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Insuring Your Albany NY Collectibles the Right Way

Many of us have stuff we've collected and consider treasures, from old train sets and coins to rare photos and books. Sometimes these collections can be quite valuable and it would be a tremendous loss if they were stolen or damaged in a fire.  Unfortunately it’s most likely ...

Does Your NY Property Insurance Overlook Equipment Breakdown Protection?

Imagine it's a typical July day. You own a 30,000-square-foot office building that is 85% occupied. And the air conditioning and ventilation systems stop working. The outside temperature is in the '90s and the humidity is high. It doesn't take long before the tenants start to complain. The contractor you ...

Why NY Insurance Agencies Trump Online Insurance Platforms

Many startups have attempted to help consumers cut cost and bring insurance purchasing directly to the buyer. For the most part, this has not been successful after many attempts to bring their new platforms and methods to the internet. Attempts include: ECoverage which is probably the earliest online insurance ...

NY Business Insurance – Does IT Cover a Partial Shutdown?

What happens if your business suffers property damage or a supply chain disruption and is forced to stop operations either fully or partially? Will your insurance cover the work stoppage or slowdown?  It is important to understand how your insurance can protect you from the resulting financial loss. In ...

NY Insurance - Inexperienced Teen Drivers Are Three Times More Likely To Cause Fatal Accidents

A recent study conducted by the AAA Foundation for Traffic Safety showed that teen drivers between the ages of 16 and 17 were three times more likely than adults to be in fatal car accidents. Researchers chose to release the study recently since the period between Memorial Day and Labor Day marks ...

Insurance in NY - Despite Risks, Few Small Businesses Worry about Data Breaches

As the number of data breaches involving smaller businesses continues to grow, a survey by The Hartford finds 85% of small business owners said a potential breach of their own data was unlikely, and many are not implementing simple security measures to help protect their customer or employee data. "Most of ...

NY Property Insurance - Water Damage Coverage Explained

In some instances, water damage is covered by insurance. However, there are limitations. The best way to ensure that damages will be covered if they happen is to frequently inspect the home to find any problems that may be causing water damage. When Is Water Damage Covered? If a sudden ...

Insurance In NY - Misconceptions That Make The Roads More Dangerous

In recent years, motor vehicle deaths have increased significantly, and the National Safety Council recently identified some of the most common driver beliefs and behaviors that put everyone on the road at risk. During the past year, NSC surveys showed the surprising rates of dangerous habits and opinions. Researchers said ...

Albany NY Auto Insurance - High-tech Safety Features Cost More To Insure

Many people assume that safer cars always mean lower insurance rates. While this used to be true in the days of daytime running lights being a major safety innovation, many of today's advanced safety features do not lower premiums. High-tech features that require apps, computers and other expensive electronics to ...

NY Business Insurance - Does Your Firm Need Professional Liability Coverage?

A majority of companies are leaving themselves exposed in one crucial area as they take on high-end professional services work.  As more companies' work is intangible, many firms are missing a critical element of protection for their professional services. Professional liability insurance in the past was mainly purchased by ...

NYS Insurance - Anatomy of the General Liability Policy

UNDER A GENERAL liability insurance policy, the insurer is obligated to pay the legal costs of a covered business in a covered liability claim or lawsuit. Covered liability claims most of the time include bodily injury, property damage, personal injury and advertising injury (damage from slander or false advertising). The ...

NY Car Insurance - Will You Have to Pay a Judgement in a Serious Auto Accident?

Severe, tragic, auto accidents happen every day. An unfortunate fact is that someday, that accident could be your fault. And the financial consequences of being found liable in an accident can be devastating as these stories illustrate. In 2013 a California driver ran a red light at 50 to 70 mph ...