• What Would a Cyber Attack Mean to You?

    Cyber Attacks….   No, they aren’t science fiction – they’re real and they are happening to many businesses who never thought they would be a target of such attacks.  According to some reports, 85% of all cyber attacks are aimed at small businesses.  You don’t hear about these since they aren’t worthy of the national media attention that is garnered […]

    September 13, 2011

  • How Much Auto Liability Insurance Do I Really Need?

    When thinking about Liability, it is best to determine what you are protecting. Someone who has a 10-year-old car, limited possessions and rents an apartment has very little that can be won in a lawsuit. Someone with a house, two new cars, expensive furniture and clothing, lots of “toys” and a half a million in […]

    September 1, 2011

  • Volunteer! It’s good for you.

    It’s what they do.  Other than insurance, I mean.  Gary Scalzo & Steve Zogby are involved in the community so much it’s usually a surprise when they’re not on a Board of Directors or committee for a not-for-profit or other organization.  Volunteering.  That is what Gary was talking about when he was invited as guest […]

    August 22, 2011

  • I Hit a Deer in the Adirondacks. Am I Covered?

    Yes…Your auto policy will cover your car as long as you have comprehensive or “other than collision” coverage on it.  You will have to pay your deductible and then your company will pay you the amount over that to repair the damages.  The deer population is increasing since the human population is expanding into rural […]

    August 9, 2011

  • Is My Car Covered When I Use it for Business?

    Well sure, if you have a business or commercial auto policy it is. Otherwise… Probably no. There are no absolutes here but most insurance companies who write personal auto policies exclude Business Use for a personal vehicle. That means if you’re delivering a pizza, picking up office supplies, or doing your firm’s daily mail or […]

    July 28, 2011

  • I’m Renting a Car, Do I Need to Buy the Insurance?

    The Smiths recently traveled to Florida for a family vacation and when they got there, they needed to rent a car.  When they get to the rental car counter, the clerk insisted they purchase the insurance directly from the rental car company.   Fortunately for the Smiths, they had already called us before leaving. They know […]

    July 19, 2011

  • Introducing Our New Website

    Your New Online Resource for Insurance Information, Advice, and Money Saving Tips Welcome to our brand new website! We think you’re going to like it because it’s packed with information you can actually use. We’re especially happy to help you navigate the unique insurance challenges we all face living here in Central NY…things like harsh […]

    July 15, 2011