Buying a new house can be a mix of excitement, apprehension, and effort. It’s important to consider all the responsibilities and challenges that come with owning a home. We don’t normally think about “What damage could happen to our home?” as we normally think “Wow, this living room is going to be our favorite spot […]
September 1, 2015
Benjamin Franklin invented bifocals, the lightning rod, and the Franklin stove among other things. He was a founding father, scientist, author, publisher, and he adorns America’s $100 bill. And, oh, by the way, he helped establish one of the first insurance companies in America. And it’s still in business. In 1752, he founded the Philadelphia […]
August 26, 2015
Stephen King was almost killed by a car that struck him while he was walking alongside the road in Maine. It happened quite a few years ago and, thankfully for him, his family, and his fans, he survived. Whether you are walking along the road or, as so many here in the Utica area enjoy, […]
August 18, 2015
You hear it all the time, especially from younger drivers. I want some “cheap car insurance.” They’ve saved their money and put it all into a used car and they look at car insurance as a necessary evil. The car is fun. The car is freedom. But it isn’t worth much and the insurance is […]
August 5, 2015
Bikes are a blast. Riding is fun, fast, and healthy. Thing is, you are not protected like you are in a car so safety is a big concern on a bike. We consulted the National Highway Traffic Safety Administration for some tips on bike safety. Keep in mind that on the roadway bikes are legally […]
July 21, 2015
We were speaking with a friend the other day who is tired of the constant repairs he’s having to make to his 2006 vehicle. It’s one thing, then the other…steering mechanism and fluid replaced, struts, breaks, tires that can’t hold air…on and on. Then looking at the ads in the Utica Observer Dispatch, he noticed […]
July 14, 2015
As we’ve talked about in our last two posts, Cyber Security is a major concern not just for large corporations but for any business that operates with computers on the internet. Breaches of information cause lawsuits when hackers steal names, dates of birth, and social security numbers. And there are costs to report the breach […]
July 7, 2015
Do you need cyber liability insurance? As you can tell from our last post on your risk of a cyber attack, the insurance industry is starting to see real life claims for cyber security breaches and lost data. So who needs cyber liability coverage? If you are a business that collects or handles confidential information, […]
June 30, 2015
At the Home Depot about 56 million credit card records were hacked. The New York Times reported that a data breach at JP Morgan Chase affected 76 million households and 7 million small businesses. The most famous was the Target breach, where around 70 million shoppers had their data compromised (the CEO ended up getting […]
June 23, 2015
If after an accident, your car is damaged beyond repair, or the cost of repairs is more than the car is worth, your insurance company will consider it a total loss. Assuming you have Physical Damage Coverage on your car (also called Collision) your company will then, in effect, buy the car from you. Your […]
June 16, 2015
