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As natural disasters continue to increase in number and severity, and insurers pay out record amounts of claims for damaged homes in many parts of the country, homeowner’s insurance rates are on the rise. In recent years, that’s prompted some homeowners to hunt for the lowest possible premium they can find, but that can end […]

A new study by the AAA Foundation for Traffic Safety has found that too many drivers are unaware of the safety limitations of the advanced driver-assistance systems in their vehicles. As a result, they are taking for granted that these systems will always warn them or help them take corrective action before a collision occurs. […]

While most companies focus on driver training to help reduce the chances of accidents pushing up premiums charged by NY insurance companies, many executives have been frustrated to see their rates climb. The top two factors affecting your commercial auto premiums are your history of claims and the driving records of your individual drivers. To […]

Mold is a perennial problem for homeowners and, if left untreated, can cause health problems for members of your family. People exposed to mold on a daily basis can have a number of reactions, including: Asthma Eye irritation Itchy skin Sneezing and runny nose Coughing and sore throat. While these symptoms can be signs of […]

WHEN YOUR car gets damaged in an accident or stolen, the repair or recovery cost is only part of the story. Without another vehicle available, your only recourse may be to rent one. The good news is that your policy may already include coverage to defray the cost of a rental unless you chose to […]

Survey: NY Commercial Insurance Rates to Continue Rising in 2021 The commercial insurance rate hikes that have been ongoing since 2017 are expected to continue into 2021 with double-digit increases for most lines of insurance, according to a new report. The survey of insurance executives by Alera Group Inc. forecasts that commercial rates will increase […]

Much has been made of people’s identities being stolen through cyber attacks and other online means, but the majority of identity thefts are still being carried out the old-fashioned way by criminals finding documents bearing social security numbers and other personal information. Identity theft is a growing problem with consumers reporting more than 490,000 incidents […]

What would you do if your business got SLAPPed? SLAPP stands for “strategic lawsuit against public participation.” A business that gets SLAPPed has been sued for speaking out against or about a person or entity. In these actions, the plaintiff accuses a person or business of harming them by speaking out publicly with malicious intent. […]

Besides your loss of property, one of the main concerns you may have if your home has been damaged by a fire or other calamity is how to pay for your living expenses as you wait for it to be repaired. Fortunately, the standard homeowner’s policy will cover you for “loss of use” – meaning […]

Imagine several small businesses located around the country. Each is well-established and profitable. Each of them bought business insurance – property, liability, automobile and workers’ compensation. They told their agents they wanted the lowest possible price for coverage, and the agents came through. But they didn’t also take their agents’ recommendations to purchase additional coverage. […]