Did you know that your homeowners insurance policy covers your stuff everywhere? Here it is, straight from the policy, “We cover personal property owned or used by any Insured while it is anywhere in the world.” Wow! So unless your chest of drawers is on the moon, it’s covered! That is, of course, subject to […]
September 20, 2016
Have you ever thought, “What do I do if my car catches fire?!” It could be after an accident or for a mechanical reason. And we just read in the Utica OD that a Tesla car caught fire in France during a promotional tour. So how do you prevent car fires in the first place? […]
September 13, 2016
Are we as a country getting better at motor vehicle safety…or worse? The U.S. Department of Transportation and the National Highway Traffic Safety Administration (NHTSA) publishes an annual summary of the statistics that give us an accurate picture of the state of motor vehicle accidents in the U.S. It’s called, “Traffic Safety Facts.” And the […]
September 6, 2016
Let’s look at a data breach insurance from a different angle. Most cyber insurance policies have multiple coverage parts. Network Security provides coverage for a failure to protect your data. Privacy Liability covers a failure to protect information such as Personally Identifiable Information (PII) and Personal Health Information (PHI). When handling PII and PHI, there […]
August 30, 2016
Tornadoes and flash floods are likely to happen in Upstate NY, according to the latest forecast. Previously, residents in Mohawk Valley were warned about potential power outages and wind damage in the event of a tornado. They were advised to be prepared for these risks. The warning specifically mentioned the importance of being aware of […]
August 23, 2016
We are excited to announce that Denise Conti of Whitesboro has joined our staff as a Commercial Lines Account Manager. She will be marketing, quoting, and servicing commercial insurance programs for our business clients. She’s been in the insurance industry for over 16 years. She started out as an assistant to a senior vice president […]
August 16, 2016
We just talked to a friend of ours who drove to Rhode Island on the 4th and then Vermont last week to visit family. The thing he noticed with all that driving was the many motorized recreational vehicles on the roads. With gas prices so low, it’s no wonder. It’s a great way to travel […]
August 9, 2016
We noticed in the Utica OD the other day a column by John Pitarresi about the New York State DEC I Fish NY Beginners’ Guide to Freshwater Fishing. So we took a look and were very impressed with the Guide. We went first to the section called, “Safe and Responsible Angling.” As insurance agents, we […]
July 27, 2016
A friend of ours told us the other day that he knew of someone locally who had installed solar panels on his roof. We’ve heard about the Oneida County Solar Panel Project and other larger projects, but what about solar panels for homes? And what’s the status of solar power here in New York State. […]
July 19, 2016
Have you noticed the popularity of fire pits here in the Mohawk Valley? So many people enjoying a few beverages around the glowing blaze. You can easily buy inexpensive “bowls” to enjoy in the backyard. Many people are installing sophisticated stone enclosures that are permanent fixtures. Are you thinking of buying or installing a fire […]
July 12, 2016
