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Buckle up. The life you save may be your own. Thanks to mandatory seat belt laws in the vast majority of jurisdictions, drivers and passengers are more likely to wear seatbelts now than they ever have been. In 2000, drivers used seat belts about 79% of the time. Today, that number is over 90%. Every […]

Be prepared for rising premiums on your NY auto insurance policy as the number of claims from accidents caused by distracted driving booms. Most major insurers are raising their auto insurance rates due to a sudden escalation in the cost of claims. That’s been driven largely by a surge in crashes that has been blamed […]

Most companies have at least some staff in front of a computer all day, while some have legions of employees sitting at computer workstations. While the job is low-impact and the likelihood of severe injuries is slim, sitting in front of a computer all day long can have detrimental effects, particularly if the employee has […]

Looking to save money on your insurance premiums every month? You should consider taking advantage of multi-line discounts. Many insurance carriers offer significant discounts for customers who place multiple types of insurance with the same company. In some instances, annual savings may amount to more than $300, according to a new survey by Quadrant Information […]

People often think of professional liability insurance as something only doctors and lawyers need. The truth is that anyone in any profession can be sued for making bad decisions. Standard business general liability insurance policies do not cover liability for professional mistakes. They will not cover errors that cost someone else money without causing bodily […]

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 your homeowner’s insurance would only cover these […]

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 summon determines that an electrical […]

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 startup to offer insurance. This platform […]

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 addition to potential recovery for property […]

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 the deadliest period […]