A quick video explaining what Cyber Liability covers.

Call us at 716-684-3203 to get covered for Cyber Liability!

Many people want to compare their auto insurance rates with their co-worker, neighbor brother or sister. It just cannot be done! Their are too many factors used in auto rates and the "tiers" of rates insurance companies use are dependent on how they weigh those factors. They are:
*Age of drivers
*Driving records
*Claims history
*Homeowner or renter
*Credit score
*Kinds of cars driven
*How many miles driven a year
*What town or city do you live in

All these factors make are used in the insurance companies "algorithm" which then slots them in the correct tier of rates. So your neighbor doesn't have the same claim history as you or drive similar cars or have the same credit as you do. That is why any comparison with the neighbor can't be done, nearly impossible. And if they "bundle' homeowners with the auto insurance, then get a further discount that maybe you don't!

Just be a smart insurance consumer and do your own auto insurance comparison shopping. It definitely won't be like your sister's, brothers or co-workers auto insurance policy.

I did a post on LinkedIn about CARING - It went like this:

CARE!

That's the difference.

Huge difference.

When you call an 1-800-number for your insurance do you think they care?

When you go online to shop for insurance, do you think they care?

When you have an insurance claim, do you think they care?

Being transactional vs. caring - big difference.

"You'll know how much we know, when you know how much we care!"

Simple.

CARE - it's what we do.

Insuring your very beautiful antique auto is something we love to help with. These classic cars are your pride & joy, something we don't take lightly when insuring them. Classic cars coverage is very unique and several insurance companies provide this coverage. We can help cover your investment in these beautiful cars, with classic car coverage.

If a business's experience modification factor (often referred to as an experience mod or Ex-Mod or EMR) is over 1.0, it indicates that the business has had a higher-than-average number of claims or more severe losses compared to other businesses in its industry. This can lead to higher workers' compensation insurance premiums. Here's what a business should do in this situation:

OK, you had the above car accident, now who do you call? If you bought insurance online, you call the claims department, not the same person who sold you your policy. Or a vehicle change, the service department, not the same person who sold you the policy. Have a billing question, the billing department...and so on!

With an independent insurance broker like us, you call us for all of the above! No need to talk to 4 different people depending on what you need. Same person to talk to every time. Not 4 people  ONE PERSON.

​That is the difference in an independent insurance broker vs buying insurance online. Or 1-800-insurance. We are different!

So in New York, worker's compensation can be bought from an insurance company, the State Insurance fund or through a "safety group" with other like kind businesses. The common thread of these businesses, let's them spread the risk of worker's injuries among each other. Because of this, they get an upfront discount of 25% and then a back-end dividend at 12 months end, whenever that group declares their experience. This could be as much as 40% if history hold true. Watch the quick video...

This quick video will explain why underground utility is a good homeowner claim!