Personal Insurance

Q. How do I know how much I should insure my house for?
A. Your home should be insured for the amount it would cost to rebuild it. This is called “replacement cost.” Your insurance professional can help you determine the replacement cost of your home.

Q. Does Homeowners Insurance cover flood damage?
A. Most homeowner’s policies specifically exclude coverage for flood damage. You can purchase a separate flood insurance policy that will cover damage to your home and belongings in the case of a flood.

Q. What is a Personal umbrella policy?
A. A personal umbrella policy is designed to increase your liability protection. This policy provides additional liability insurance over other personal insurance policies (Auto insurance, Homeowners insurance, Boat insurance, etc.). This allows you to purchase higher limits of liability than your other policies may allow.

Q. Does the Defensive Driving course help lower my Auto Insurance Premium?
A. Anyone who wishes to save approximately 10% off the liability and collision portion of their insurance premium can take a defensive driving course. A certificate of completion by a New York State accredited school is required and is good for three years from the date of completion.

Q. Does my credit affect my insurance premiums?
A. Credit is taken into consideration by insurance carriers when underwriting a risk. Credit is just one of the many factors taken into account by an insurance carrier when calculating premium, along with your driving record and claims history.

Q. What is the difference between collision coverage and comprehensive coverage on my auto insurance policy?
A. Collision is defined as losses you incur when your automobile collides with another car or object. Comprehensive provides coverage for most other direct physical damage losses you could incur, including theft.

Q. Why should I buy higher limits of liability for my car insurance than the state requires me to have?
A. In the event of an accident in which a lawsuit may be filed against you, and through your negligence a court awards the plaintiff damages in excess of your limits of liability you have purchased, your personal assets could be in jeopardy (your home, savings, belongings, etc.).

Business Insurance

Q. What is Property Coverage?
A. Building and business personal property (also called contents) coverage protects your buildings and equipment, stock, furniture and fixtures. Some policies include breakdown and business income coverage.

Q . What is Liability Coverage?
A . There are many different types of liabilities to be covered for a business. Business Liability may protect you from claims arising from customer bodily or personal injuries. Other items that could be covered damage to the property of others, products-completed operations, advertising, premises operations, fire, legal liability and related legal defense costs.

Q. What is Business Auto Insurance?
A. Insurance for automobiles, trucks and vans used for business purposes falls under Business Auto Insurance. If you own a business and use personal vehicles for business purposes, you should consider a Business Auto Insurance policy. Many personal auto insurance policies exclude coverage if a vehicle is used mainly for business. Business Auto Insurance is sometimes called Commercial Auto Insurance.

Q.  I own a small business in New York State and only have one employee, do I need Workers Compensation Insurance for that employee?
A. Yes. New York State requires that all employees are covered by Workers Compensation. The state also requires that employers carry New York State Disability Insurance.

Q. What is Disability Insurance?
A. Disability insurance will provide you with an income should you become sick or disabled.

Q. How do I provide proof of insurance for a business/individual I am doing work for?
A. You can obtain a certificate of insurance from your agent or insurance company that will summarize your limits of insurance.


Q. What information do I need? 
A. To expedite the claim process, please be prepared to give:

  • The date, time, location and nature of the loss
  • The make, model and year of your car and the nature of the damage
  • Information about anyone who was injured
  • Names and contact information of those involved
  • Your complete contact information, including work, home and cellular numbers to ensure that a claims person can contact you.