E-Bike Fires: A Guide for New York’s Insured In the rapidly evolving landscape of electric bicycles (E-Bikes), also known as Micro Mobility Devices (MMD) across New York State, safety standards have emerged as a pivotal concern, especially given the massive influx of these devices. In 2021 alone, almost 900,000 E-Bikes were imported into New York…
Business Extender for SMP, BOP and Commercial Fire Our Business Extender can give the insured that little bit extra that can really make the difference during a claim. For an additional premium (SMP/CF $275 and BOP $225 or about $9-$11 per coverage) twenty-five additional coverages are offered. The extender coverage applies in excess over other…
The first payment for a new insurance policy, also known as a down payment, is many times the most important. The payment is calculated as 25% of the total annual premium, plus any applicable New York State Fire Fees in full, plus a full installment fee. If the payment plan selected is Annual, the full…
Are you the owner of a building with residential tenants? Good, let’s talk! As a residential building owner, you’ve likely gone through all the hard work – made sure your building is safe and sound, handled all your city/state code requirements, and obtained the proper building insurance coverage. And then life happens! Disaster strikes, and…
Our Statewide underwriters are eager partners ready to help your agency grow its book of business. A complete underwriting submission helps your underwriters quickly and efficiently rate your new business resulting in faster turnaround on quotes. Missing information on Statewide or ACORD applications significantly delays the underwriting process and causes additional efforts by all parties….
There is no “I” in Team yet. . . there is “me” in team. The “me” in team is about the importance of what you do that makes your team the best it can be. This “me” first mindset focuses on doing your part, first, to do all you can do, be all you can…
We are always being told that “Change is constant.” Twenty years ago, I personally added to this phrase – “Change is constant; only the velocity varies.” Actually, “velocity varies” implies there is a possibility that the rate of change might slow down. This is not true, it only accelerates. The telephone was invented in 1876,…
Business Extender for SMP, BOP, and Commercial Fire Our Business Extender can give the insured that little bit extra that can really make the difference during a claim. For an additional premium (SMP/CF $275 and BOP $225 or about $9-$11 per coverage) twenty-five additional coverages are offered. The extender coverage applies in excess over other…
The prevalence of cyber-attacks is almost unavoidable. Some cyber-attacks are so large or significant that they can make the TV news but if you are anything like me you have had your friends tell you their Facebook account was hacked, or you have received a data breach notification email from some website to which you…
The historic pandemic of 2020 brought about a significant and abrupt change in how people work and conduct business. Working from home suddenly became the new normal for millions, impacting their insurance and legal exposures. Helping clients understand the implications of working from home, both as an employer and an employee, is another value-added service of the professional insurance agent…
