liability insurance

The following blog posts have the category Liability insurance

Blog Home | View all blog categories


Homeowner's Insurance, Part 1: Back to BasicsFor any homeowner, a robust insurance policy is a must. But if you're new to homeownership, or if you're thinking about updating your policy, you may not know much about what it does and doesn't cover, along with how to find the best policy for you and your family.
Continue Reading...

Business: Eight Steps for Effective DownsizingFor a small business owner, having to let go of employees is never easy. When employees have become like friends or even family, it can be especially tough to make a decision to do what's right for your business. So how do you know when it's time to let people go, and how do you downsize in the most humane way possible? Here are some things you should consider before downsizing, and some tips for going through the process.
Continue Reading...

Back to School (or not): Keeping Kids Healthy During COVID-19This fall, we're heading into an unknown future with the COVID-19 virus. While some schools are doing their best to re-open, other schools and some parents have decided it's best for kids to stay home, at least for now. As adults, we know how to social distance, wash our hands, and do whatever we can to minimize our risk of infection, but these practices are harder to enforce with kids and teens. Whether or not your kids are going back to school in the fall, here are some things you can do to keep them healthy.
Continue Reading...

Insurance for PoolsSo you're thinking of buying a pool and imagining those lazy, hot summer days when you'll get to slip into the cool water, sunbathe, play with the kids, and invite friends and neighbors to share in your good fortune. But there's more to owning a pool than just the fun stuff. Make sure that it's truly something you want and are willing to put in the work to maintain. Here are a few things to consider before you "dive in" -no pun intended.
Continue Reading...

Preventing Falls Inside and Outside of the HomeAccording to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.
Continue Reading...

Kathleen Hansen -

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.
Continue Reading...

Categories: annual review, annuity, asset protection, atv, automotive, boat , boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, new york, ocean marine, online safety, outdoor safety, paid family leave, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, winter storage, winterizing, work safety, workers compensation | View all Categories
Kathleen Hansen -

Dear Valued Client:

Continue Reading...

Categories: annual review, annuity, asset protection, atv, automotive, boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, new york, ocean marine, online safety, outdoor safety, paid family leave, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, work safety, workers compensation | View all Categories
Kathleen Hansen -

A 5-Step Checklist for Financial Health in 2017

Continue Reading...

Categories: annual review, annuity, asset protection, automotive, boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, ocean marine, online safety, outdoor safety, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, work safety, workers compensation | View all Categories

Summer is wedding season, and couples throughout New York will be tying the knot. If you're one of the lucky couples, wedding safety might be the last thing on your to-do list, but if something goes wrong on your big day, you'll wish it had been the first.
Continue Reading...

Kathleen Hansen -

Before signing on the dotted line, it's important to know what exactly comes with the new house you're about to buy. In addition to that amazing kitchen, fabulous master bath and lush green backyard, could there be foundation issues? Or maybe a rotting roof in need of replacing? You may not be required to have a home inspection, but it is highly recommended and almost always worth the money. Help reduce your stress and take the guesswork out of potential issues by working with a qualified home inspector.
Continue Reading...

Kathleen Hansen -

No matter what the climate is like where you live, keeping the temperature comfortableinside your car often means battling foggy windows. If you live in a climate with cold winters, staying warm in your chilly car means turning on the heater — and battling the resultant fog on the inside of your windows. In warm, humid areas, turning on the AC can cause the opposite issue — fog blurring your windows from the outside.
Continue Reading...

Thanks to the Internet, almost anyone in New York can go into business for himself or herself these days. Whether you're a carpenter, web designer, or accountant, online resources and professional networks make it possible for just about anyone to connect with potential clients and take care of basic day-to-day business operations on their own. For employers, this ever-expanding pool of freelancers and self-employed skilled laborers means that hiring an independent contractor to provide a service for your business is now easier than ever.
Continue Reading...

Personal and commercial auto insurance is VERY important for everyday life. You never know when an accident can happen. Many people ask, "Do I have enough coverage?" or maybe they think, "I have too much auto coverage." Most consumers don't grasp what auto liability coverage is all about, so let us break it down for you. Auto liability covers you for two major items...

Continue Reading...

In the United States, gun ownership is still a hot button issue. A 2014 study in the Annals of Internal Medicine reported that having a firearm in the home puts those in the household at higher risk of committing suicide or being the victim of a homicide. And approximately one third of American households keep at least one firearm in the home.
Continue Reading...

Executive Insurance & Financial Services -

For More Information Call Us at
(888)EIFS INFO or (631)563-8433

Continue Reading...

Executive Insurance and Financial Services -

How Technology E&O Coverage Differs from General Liability:
You Should Buy BOTH General Liability and E&O Insurance from the same company. This helps ensure that there are no unintended gaps in coverage between the two policies.It also eliminates the issue of coverage disputes between carriers if a claim triggers both policies.
At E.I.F.S we know that insurance is not your business.While we encourage you to understand the basic differences between General Liability and E&O Insurance, it is important to discuss your coverage needs with an insurance professional who has experience working with technology companies. EIFS will be happy to discuss your insurance needs with you and find the best coverage for your company.
For more information call us at (631)563-8433 or e-mail us.

Continue Reading...

EIFS -

NEW LIABILITY ISSUES THAT ARE NOT COVERED
UNDER YOUR GENERAL LIABILITY INSURANCE.
READ FOR MORE INFO OR CALL US
631-563-8433

POLICYHOLDER ALERT
NEW LIABILITY PROBLEM
Dear Client:
We would like to make you aware of a new liability problem if you own or rent property in New York (other than a one or two family house). This notice will explain that liability and how you can take action to avoid it.
If someone doing work on your property is injured, you may be held “absolutely liable” under the New York Labor Law. This means that for certain kinds of accidents (a fall off a ladder) the worker does NOT have to show you were negligent or did anything wrong in order to win a lawsuit. In many of these cases you will have NO DEFENSE to liability at all under your insurance contract since an insurance contract covers you for negligence.
We have identified two ways to try and avoid this problem and there may be others. We strongly recommend that you discuss these with your own attorney and start using one or more of these methods as part of your routine business practices when allowing contractors onto your premises to do work.
Additional Insured-
Make certain that any contractor doing work for you provides you with a current certificate of insurance naming your organization as an ADDITIONAL INSURED and indicates that the coverage provided is primary and covers both direct and vicarious liability. In addition to getting the actual certificate, your written contract with the contractor should also recite that they are going to provide this insurance on your behalf.
Indemnification Agreement-
The second way is to have a written contract with the contractor. The contract must contain an “indemnification agreement” so that if a worker gets injured and sues you merely because you are the owner or lessor of the property, the employer (the contractor you hired) will have to pay to defend the case and any other money owed.
Contact EIFS for a sample “Indemnification Agreement.”
Of course, it is always important for you to seek your own legal advice for any contract you sign.
In addition to being named as an additional insured and signing a contract that contains an “Indemnification Agreement, it is always important for you to ensure that the contractor has both workers compensation and general liability insurance.
If we can be of any further assistance, please call us.
Executive Insurance and Financial Services
(631)563-8433
or Toll Free: (888)343-7463

Continue Reading...

We've said it before: the distinction between a small and large business is somewhat arbitrary. At what point in the business growth life cycle do you cross over? One way to answer the question is when your business no longer qualifies for a Business Owners Package Policy. The BOP bundles up several kinds of insurance protection in one policy. But as business become larger the risks they pose become more varied and difficult to address in one policy.
Continue Reading...

Personal Umbrella Policies are liability insurance policies with very high limits of protection, typically starting at $1,000,000. They are designed to add a layer of protection above other kinds of personal liability coverage such as the liability protection found in a personal auto, homeowner or boat insurance policy. These kinds of policies are meant to protect you should you be deemed legally responsible for injury to persons or property. Personal injury can include non-physical injury like libel or slander.
Continue Reading...

View all blog categories

Executive Insurance & Financial Services

Top