Their are some worker's compensation programs out there that are called Pay-as-you-go, where you pay for worker's compensation along with your payroll. So when the audit is then done, your business would (should) be even on what you've paid and what you owe. Since your payroll is current and your worker's compensation would be current, there would be no big bill at the end.

For larger business with a large payroll, this worker's compensation solution could be what you are looking for.

​Tom Larsen

One of our insurance companies just announced that they have agreed with Plymouth Rock Insurance company to offer UB alumni an insurance affinity program. That means you get an extra discount on auto & homeowners insurance if you are an alumni with UB.

This is exciting news for our agency because we are affiliated with Plymouth Rock and their sister company,  Palisades for homeowners.  Exciting for the thousands of University of Buffalo alumni still in Buffalo!

​Tom Larsen

How to buy auto insurance in Buffalo, NY

I know you are confused with "15 minutes can save you 15%", "don't let mayhem happen to you" stuff. You are exposed to ads every day regarding auto insurance - online, on your drive to work, on the evening news, in your Facebook feed...but what is the truth?

The truth is nobody can make a blanket insurance statement and it be true for everyone. The factors used in rating auto insurance will be different from insurance company to insurance company. Your credit score, your driving record, your age, your home ownership status, how you use your auto's....all factors different from household to household.

How to buy auto insurance in Buffalo, NY

The fact is, years ago all auto insurance companies had, like 5 tiers of pricing - Ultra Preferred, Super Preferred, Preferred....etc.  Now every auto insurance company has 80 or 90 tiers of pricing! The algorithms used by every auto insurance company are all over the board. One might use your homeowner status (and bundling) as the main factor. Another will use credit as the main factor. Yes another will use claims history as the determining factor.

So the TV ads you see everyday are sort of misleading because they make a blanket statement that just isn't true. The auto insurance quoting field just isn't level when there are so many factors that go into pricing. Independent insurance broker's like us are the best option because we'll have 10, 12, 14 insurance companies to rate you with - thus we are doing the shopping for you. We'll give you our honest feedback and not try to sell you 1 product, like the online companies do. We build a relationship not sell a product after I talked to you 1x.

Just don't believe those misleading auto ads you hear.

Bundling means putting your home and auto insurance with the same insurance company. For homeowners, that means having your home insurance and auto insurance with the same insurance company (maybe a personal umbrella too). For a renter, that means having your personal property or renters insurance with the same company that insures your cars.

​This makes sense, as all insurance companies give a discount with bundling. It varies from insurance company to insurance company but most are 10% off your premium. So if your 2 auto's insurance costs $1,800 a year, you'd get $180 off of that. And is your homeowners insurance is $1,000 per year, you'd get $100 off of that.  So because of "bundling", you save $280 per year off your insurance costs. I'd say bundling does save you money!