risk management

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Business: Small Business Advice from Big-Time ExecutivesInternet queries for advice about finding success in life, love, and business consistently top trending charts, while self-help titles touting one route or another as the road to greatness never fail to make their mark on the New York Times Bestsellers list. So, if you've ever wondered how to make that proverbial lemonade from the lot of lemons life may have dealt you, here are some bits of entrepreneurial wisdom from some of the world's most successful people.
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All About Agua: Water Safety for HomeownersYou hear a lot about water conservation lately, but what about water quality? Where does a household's water even come from, how is it maintained, and how can you know if it's safe for you and your family? Here's what you need to know about the water in your home, and what might indicate a problem
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Inspecting and Maintaining Home UtilitiesUtilities, such as electricity, water, and natural gas, allow us to complete the tasks of daily living. Now that working from home has become the norm, it's that much more important that these critical services work reliably, day after day. As the chances of extreme weather and natural disasters continue to increase, here's what you should know about maintaining your home utilities, and what to do if there's a problem.
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Safety Tips: Buying and Selling OnlineThis year, many of us got a much more up close and personal relationship with our families, our houses, and our things. And many of us realized: we have way too much of all three. While you can't get rid of your 6-year-old or your spouse, there are plenty of places you can go to unload excess stuff.
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All About WarrantiesIn many cases, a warranty can seem like a sneaky way for manufacturers to squeeze a few extra bucks out of their customers. In some cases, purchasing a warranty might actually be a good idea. Whether you're thinking about signing up for a warranty on a major purchase, or deciding whether to pay a few extra bucks for a warranty on a small appliance while standing in line at Target, here's what you need to know in order to make the best decision.
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Maintaining Business VehiclesWhether you use a single vehicle or an entire fleet for your business, keeping them running smoothly is critical to fulfilling your business goals. And if employees are using those vehicles, that adds in another layer of complexity. Here's what you need to know about how to keep your business vehicles well maintained, and keep your employees safe on the job while using them.
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Tips for Achieving and Maintaining Good CreditWe all start the New Year vowing to do better, with our health, our relationships, and of course, our finances. But how do you even begin to make improvements if your financial situation is far less than ideal? And if you're on the right track, how do you keep it going? Here's what you need to know about building and maintaining good credit.
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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.
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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:

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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

Finance and romance, both can make people crazy. Put them together and you might just double the insanity. If you're in a committed relationship, however, there's no way around it. Whether you're already married or on your way, here are some tips for managing your money as a couple:
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In early February, the U.S. celebrates the truly American sport of football. Recently we've heard some pretty tragic stories about the effects of head injuries on professional football players but did you know that regular people who play contact sports or participate in activities like skateboarding or snowboarding are also at risk? Keep reading to find out everything you need to know about sports-related head injuries and how to reduce your risk:
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Much of our lives are spent online these days, so it only makes sense that insurance companies are starting to offer products to help protect consumers from the significant losses that can occur related to their online activity. And it's not just identity theft that's covered by these new cyber insurance and related "cyber loss" policies. Here are a few of the most popular new coverages to protect yourself online and ultimately, off.
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Kathleen Hansen -

A 5-Step Checklist for Financial Health in 2017

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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

For the average American, it's nearly impossible to get by in the modern world without taking on some debt. But, used wisely, debt can be a part of a healthy financial picture and not a chain around your neck. Keep reading to learn the difference between good debt and bad debt, what to do about old debts, and how to choose which debts to take on in the future.
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If you're heading for retirement or even if it's a ways off, you might already be writing that bucket list of things to do and places to see as soon as you don't have to show up to work every day. But before that happy day arrives, there's a different list of things you should cross off to ensure that your golden years are truly carefree.
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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.
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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.
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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.
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Kathleen Hansen -

National Fire Prevention Week is October 4th through the 10th this year. Prevent household fires and protect your family by using some of these helpful tips!

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Executive Insurance and Financial Services -

Put a hold on your mail and your newspaper deliveries, or have someone take in the mail so your home doesn’t look empty.

2.Don’t Broadcast Your Trip
Don’t tell too many people you will be away, you don’t want the wrong person to know that you left your home empty.
Don’t post your upcoming trip on Facebook, Twitter, or any other Social Networking site.
Don’t “check in” to restaurants, stores or tourist sites online while on vacation.
Don’t post daily updates or blog about your trip while you’re away.
Resist the urge to post pictures from your trip online until you get back home.
No matter how tight your privacy settings are, broadcasting your trip over a blog or social networking site allows strangers (or worse, untrustworthy friends) to know that your home is empty.
3.Have a friend watch your home.
Ask someone you trust to drive by your house daily.Give that person or a key to get in incase of an emergency like a water leak or an alarm sounding. If you have more than one person visiting your house (such as a dog walker or someone watering your plants) make sure they know about each other.
4.Make Sure You can Be Reached
The same someone watching your house should have a way to reach you by phone.If you will be out of the country or on a cruise, plan ahead and test the number, to make sure that you can give your contact person a working phone number to reach you.Give this person other important contact numbers, including your insurance agent’s phone number.(For E.I.F.S. its (888)343-7463)
5.Make Your House Look Lived In
Use timers to have lights go on and off so they think someone is home. Set at least two lights to go on and off at different times in different parts of the house.Leave curtains as you usually keep them; noticeable changes will hint that you’re not around.
Ask the person watching your house to do small things to make your home look lived in.Have them move a car, park in your driveway, or take out the trash and put the garbage can away again the next day.
6.Hide Valuables
Move expensive items such as jewelry, cash, and silver so that it is out of site. Make sure you can’t view anything valuable from the windows of your home.Put laptop and other electronics safely away and out of site. Do not leave purses or bags sitting out where they can be seen, even if they are empty.
7.Change Your Answering Machine
Callers don’t need to know you’re not home. Change your message so it says “we can’t come to the phone right now.”
8.Protect Your Home from Danger (such as Water or Fire)
Unplug all small appliances (such as the toaster oven, coffee pot, TV, and computer).
Don’t leave the house until you check that there is no water left running. If you’re going to be gone for a while turn off the water to your washing machine, icemaker and dishwasher.
9.Lock all doors and windows.
It sounds simple enough but check all doors and windows.Did you forget the garage and basement entrances?Make sure cat/dog doors are locked up tight. Remove your spare key from its hiding place.
10.Don’t Leave Burglars a Map to Your Empty Home
Don’t leave your portable GPS unit in the airport parking lot with your “home” location programmed into the system.Add a working garage door opener and you have not only left them with a convenient map to your home, but also a way to enter it. Also make sure nothing else in the car identifies the address of your empty home.
The best way to protect your home is with a good Homeowner's Insurance Policy.
Call E.I.F.S. today and let us help you relax by making sure your home is protected.
(888)343-7463
or
Contact Us By E-Mail
Now that your home is secure, have a great vacation and relax!

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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.

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EIFS -

Did you know that deaths resulting from Heart Attacks & Cardiac Arrest rise 22% or more in the weeks during and after a heavy snowfall?
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If your business promotes or markets its products or services over the Internet, there are unique property and liability risks. For example, you are vulnerable to major loss exposures from malicious attacks, loss of service or theft of customer information from your database.
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According to the National Highway Traffic Safety Administration, driver distractions are a contributing cause in approximately 25 percent of all motor vehicle crashes or about 1.2 million accidents. However, distractions can be hard to quantify, and the number of accidents due to driver distractions is difficult to define. What can further complicate matters is that there may be more than one distraction, such as texting while chastising a child in the backseat. Cell phones are considered one of the leading driver distractions. As a result, more communities are placing restrictions on drivers' use of cell phones. And more states are now passing laws banning the practice of texting while driving. The U.S. Congress is even considering a federal law related to this ban. The following tips are offered to motorists in regards to cell phone use in vehicles.
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Defective electrical wiring systems cause approximately 40,000 residential fires annually, according to a United States Consumer Product Safety Commission (CPSC) study. In addition, electric cords and plugs are involved in about 7,000 fires annually. The National Electrical Safety Foundation offers numerous tips to safeguard the home against electrical fire and related losses, including the following.
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Yes. Floods, earthquakes and acts of terrorism are generally not covered
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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.
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Today many of us have a multitude of passwords to keep track of at work and at home. As passwords multiply it is easy to succumb to the temptation of using easy to guess words or simply leaving a sticky note on your computer. But these are generally bad ideas. Better is to come up with a strong password and keep it secret.
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What is "Identity Theft" or "Identity Fraud"? Simply, identity theft is committed when another person's name, Social Security number or other personal information is used to apply for credit, buy goods and services, or commit other fraud. Identity theft is now a federal crime and recently stiffened penalties were put in place but you should still take measures to protect yourself. And if you should be victimized there are steps you can take to minimize your loss.
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