annual review

A comprehensive business insurance policy is a must for any business owner. But under what circumstances do you need to take another look at that policy and make important adjustments? Here are some instances when it would be a good idea to revisit your business insurance plan and add to, or change, your coverage.
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As the end of the year approaches, it's a good time to take inventory, reflect on the past, and make plans for future goals. You might consider your relationships, professional life, health, financial situation, or all of the above. Don't forget to also take stock of your insurance coverage and make necessary adjustments based on things that have changed over the past year. Here are some of the most important areas to consider:
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Many parents rightly experience a strong anxiety when turning over the car keys to their new teen driver. There are a several things a parent can do to make sure that the teenage driving experience is a safe one. First, teenagers need to understand that driving is a privilege, not a right. With privileges come certain responsibilities. It is best to make those responsibilities and the consequences for not meeting them as clear as possible. One way to do that is with an actual contract between parents and teenagers built around the concept of graduated licensing and restrictions for high risk situations.
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When it's time to store your boat for the winter, sit down with a member of the marina's staff and discuss what you can expect to have done. Most marinas are prepared to service your boat efficiently, but you are responsible for seeing that all work is done. Ask that they call you when the winterizing is complete.
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Dear Valued Client:

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A 5-Step Checklist for Financial Health in 2017

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Tips for Parents To Help Prevent Teen Car Crashes
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Some states mandate comprehensive liability, which covers bodily injury and property damage.

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May is Motorcycle Safety Awareness Month, designed to encourage all drivers and motorcyclists to share the road with each other. Increased awareness of motorcycle safety has helped improve the number of injuries and fatalities of motorcyclists.

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Insurance policies are made to be customized for a reason. The business executive has more income and assets to protect from liability claims than the recent college graduate. Families have more people to think about than young single people or an empty nester. And it is worth noting that the single person, the recent college graduate, the business executive and the empty nester can all be the same person...at different times. We all have different pursuits, different incomes, different bank balances at different points in time. The insurance policies that make up your insurance program - your blanket of protection - need to be tweaked from time-to-time so that you are getting the right protection and benefiting from all available discounts.
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From cell phone contracts to Internet packages, bundling is a popular way for companies of all kinds to hook you into multiple services, usually at a discount to you. Insurance companies are no exception, and bundling policies can often lead to significant savings and a streamlined experience for the consumer. But if you don't read carefully, you may end up with a policy that costs the same or more than maintaining separate policies and really doesn't save you much time or inconvenience at all.
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For those of us in New York with a yard to take care of, by the end of summer, your outdoor living spaces are probably looking pretty sharp. You may have spent a lot of time and money on the outcome, but did you know that your homeowner's policy may value high quality plants, mature trees, and landscaping at just a fraction of what they are worth? Fortunately, there are things that you can do to protect your precious live assets. Here's more information:
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Have you heard of supermodels insuring their legs or singers taking out a policy on their priceless vocal chords? That's probably not necessary for most people, but many of us probably do have a few valuables that can and should be insured separately.
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If you're a proud homeowner in New York, having the right insurance is critical to your peace of mind. Before you purchase a policy, however, it's important to have a clear understanding of what homeowner's insurance does and does not cover. If you have specific concerns about your home or its location, it's likely that you can insure your home against these risks as long as you know which level of coverage or supplemental policy is required.
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The invitations have been sent, the hors d'oeuvres ordered, the house decorated, and the liquor cabinet replenished. You're ready to host a fabulous holiday party! Before you open the front door to a flurry of friends and family, however, make sure that you have the necessary insurance in place.
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In these cost-conscious days, everyone is trying to save money wherever and whenever they can. It seems that people may especially look to their insurance policies as a place to realize some savings.
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Yes. Floods, earthquakes and acts of terrorism are generally not covered
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Long Term Care Insurance (LTC) is designed to reimburse you for expenses for everyday living assistance, should something happen to you. Traditional medical insurance and Medicare will not cover extra costs should you need help with activities we take for granted like bathing, eating or simply getting out of bed. LTC insurance options can provide for nursing home costs as well as home health care and assisted living.
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Technology and social trends have driven a wave of telecommuting. Many of us work at home at least on some days while some may work from home all the time. For that reason, more and more homes contain a designated office area; with increasing frequency that area is a room.
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6 tips to manage yo ur homeowner premium:
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Your son or daughter probably needs some new, expensive computer equipment. When they were in high school they probably used a desk top computer but they now have a lap top. Lap tops, by the very nature of their portability, are much more susceptible to theft.
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7 ways to save on your car insurance.
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Maintenance for your vacation or second home is pretty much the same as for your primary residence. There are a few reasons why you may need to take a few extra measures with your second home. You are most likely away from your vacation home for periods of time and, if you have nearby neighbors, they may be away from their homes during the same intervals. Many vacation homes are situated 'away from it all' so, if something were to happen to your home, it's possible no one would notice until too late.
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