Insurance Since 1949
While business insurance policies, by definition, provide coverage for the business itself, individual company officers may still be personally exposed to financial losses resulting from a lawsuit. To protect your company’s leadership, you may want to consider purchasing directors and officers (D&O) liability insurance. What Is D&O Insurance? Directors and officers is a type of … Read more
Renters insurance is an important policy that offers financial protection to renters. However, if you have roommates, you may wonder if you need individual policies or if a single renters insurance policy will suffice. Here’s what you need to know about renters insurance for roommates: Individual Renter’s Insurance Policies Each roommate should have their own … Read more
Employment Practices Liability Insurance (EPLI) is an insurance for businesses to protect them against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to … Read more
Home insurance policies are not permanent; they typically have a set term, often one year. As the end of your policy term approaches, you’ll need to go through the renewal process. Here’s an overview of the process for renewing homeowners insurance and why it’s important: Homeowners Insurance Renewal Process The renewal process for a home … Read more
Cyber insurance provides robust financial protection to businesses if they incur a data breach, and is an essential part of any plan to mitigate cyber risks, according to a video released by the Insurance Information Institute.* Cyberattacks and losses related to data breaches are the top risks facing businesses, a global survey of company directors … Read more
Are you trying to figure out if you need commercial auto insurance? Let’s take a look at what business car insurance is and then talk about who needs it. What is Business Auto Insurance? If you or an employee get into an accident while operating a company vehicle, or using a personal vehicle for business … Read more
Experiencing damage or loss to your home can be a stressful situation. However, understanding the necessary steps of how to file a home insurance claim can help ease some of that stress and ensure a smoother claims process. Below is a general outline of what to do in the event of an emergency which may … Read more
All businesses need insurance coverage. But which types? In this article we’ll discuss a few types of liability insurance for restaurants and hospitality businesses. Liability insurance policies can help cover the costs that might be associated with damage to property, as well as liability claims. Without the right coverage, business owners may have to pay … Read more
Many homeowners entertain the idea of renting out their homes as a source of income. With people traveling to the Sacandaga region for vacation you may have considered renting out your home, but have you wondered if your home insurance covers renting your home. However, it’s essential to understand that your standard home insurance policy … Read more
Home insurance is a critical component of protecting your most significant investment—your home. While it provides valuable coverage for unforeseen events, you may be looking for ways to reduce your home insurance premiums without compromising the protection it offers. Fortunately, there are several strategies you can employ to save money on your home insurance. Below … Read more