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Solution to Every Insurance Problem-Larsen Insurance Agency (subkit.com) They wanted to ask questions about starting a small business. I gave them honest answers that I thought could help someone starting a business like I did. Look at the article to see my answers to their questions! 
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 Client calls with this exact problem and says, "I am waiting for my neighbor to come home to find out who his insurance company is." Um, Mr. client, this claim will be on your homeowner policy, not your neighbors. in insurance terms, we call it "Act of God", as nobody was negligent in having that tree fall. Doesn't matter who's land it was on, neighbors, the towns, the city...wind or soil erosion caused the tree to fall. Can't blame it on the neighbor or the town, it happened!
So the claim is your, whether fail or not. No negligence was involved in your homeowner claim. 1-Raise your deductibles
2-Get a combo policy with your house. 3-Trade in your car for a less expensive one. 4-Take an online safe driver course (10% off). 5-Drop collision if you car’s value is low. 6-Search with an independent insurance agent, like - Independent agent auto insurance YOUR TOWN It’s called a C.L.U.E. report, stands for Comprehensive Loss Underwriting Exchange and ALL insurance companies report to them. No longer hiding that car accident that there was no police report. Or that wind storm damage to your siding, that cost less than your deductible to fix (thus shows $0 paid out). We had a new insured that said “I’ve had 0 claims” and the C.L.U.E. report showed 5 claims but $0 paid out. When I asked him about it, he said my S.F. agent, when I called to ask about a damage to my property, he said “Call the 800#!”. Guess what? That then shows up on your C.L.U.E. report!   You are exposed to endless auto insurance ads on TV, on your way to work, online...it never ends! Who do you trust when they give you confusing messages - only pay what you need? What does THAT mean? The truth is nobody can make a blanket statement and it be the answer for everyone. The rating factors used are different for you, your neighbor, your sister, your co-worker!
How to buy auto insurance in Buffalo, NY Not long ago, auto insurance companies had like 4 or 5 "tiers' of pricing - like Super Preferred, Preferred, standard, etc. Today, the auto insurance companies each have 80 tiers, 92 tiers, 98 tiers! Which is why auto insurance rates can be so widely different. Your age, where you live, homeowner or renter, credit, your motor vehicle record, kind of cars you drive - all contributing factors for auto insurance. How to buy auto insurance in Buffalo, NY Buying auto insurance shouldn't be a price only determination, like the TV commercials will have you believe. What do YOU need to protect? A nice, upscale home? Nice cars that are expensive to repair? A good paying job that could be exposed to a wage garnish? This is what happens when you buy low limits of insurance, you get sued. Then everything you own is at risk. How to buy auto insurance in Buffalo, NY should not be the lowest price wins. It does go much deeper than that when everything you own is at risk. I always tell people to be a smart insurance consumer and we can help with that. A- No but it probably wouldn’t be covered anyway, even if you found a leak. In many homeowner insurance policies “earth movement” is excluded and probably the reason for 99% of slab leaks. I would look at your homeowner policy or discuss it with your agent, to see if this exclusion exists in your homeowner insurance policy.
"I am proud to sign this bill, which positions New York's farmers to be the first to grow cannabis and jumpstart the safe, equitable and inclusive new industry we are building: Gov. Hochul said.
The signing of this bill, farmers can now put seeds in the ground to meet, what will be a growing demand. What farmers have to understand, this is a conditional cannabis cultivation license for up to 2 years. It allows them to manufacture and distribute cannabis flower products without holding an adult-use processor or distributor license. Cultivators are then limited to one acre of flowering cannabis outdoors or 25,000 square feet in a greenhouse. They can also split between outdoors and greenhouse growing with a maximum total of 30,000 square feet, if the greenhouse operation is under 20,000 of that total. Cannabis will become the new burgeon industry in New York State and insurance companies are starting to realize this too. Now with Russia attacking Ukraine, there will be more & more dark web attacks on small business in US. If your business takes credit cards, stores client information of any kind, you are vulnerable to these attacks.
A real life example: An accountant prepared a tax return for a client and her assistant then sent the tax return to the wrong email address. When the client called for an update on her return, it was discovered that the email did, in fact, go to the wrong address. The client then sued and the accountants CYBER LIABILITY paid for the costs to defend the lawsuit and paid the damages too. |
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