Do You Need an Umbrella Insurance Policy? The Answer is Probably Yes
If you're hit with a lawsuit, your auto or homeowner's insurance may not fully cover you. Why? Do you have a dog? How about a swimming pool or a trampoline? Do you have a lengthy commute? If you responded yes to any of those prompts, you have an above-average risk [...]
Cyber Risk Questions Every Business Owner Should Think About and Why Cyber Liability Insurance is so Important
Cyber Risk Questions Every Business Owner Should Think About and Why Cyber Liability Insurance is so Important When a data breach occurs, the damages can be significant, often resulting in lawsuits, fines, and serious financial losses. Cyber exposures impact businesses of all kinds, regardless of their size, area of [...]
Jewelry Insurance
Jewelry Insurance If you’re like many of us, you own jewelry pieces that have sentimental value – an engagement ring, pair of earrings, or a family heirloom watch – and often bring these items with you when you travel. If you’re planning to travel soon, there are ways you [...]
How Does the NFIP Define A Flood?
How Does the NFIP Define A Flood? Do you live in a coastal community? Many people move to the Tri-State area because they want to live by the water. When moving to the coast, it sometimes creates unexpected new insurance concerns. Not only do many residents have to purchase homeowner’s [...]
Case Study: Family with Direct Insurance Carrier
Case Study: Successful family with a direct insurance carrier. CLIENT “A” Client “A” is a highly successful, professional, two-income family of four who initially had a direct insurance carrier. Both between 45-50 years old. He a surgeon and she an attorney. Their approximate net worth was in excess of $10M [...]
Designated Flood Zones and Homes For Sale
My client is ready to make an offer on a new home, but do I know the home's designated flood zone? Great question! Homebuyers need to take into consideration the accurate flood zone of a home when making their offer. Because it is so important, real estate professionals should confirm [...]
Under Insured Motorist and Cyclists
Are you a cyclist? Have you thought about the repercussions of being hit by an under insured driver? Do you understand uninsured/under insured motorist insurance coverage? No one wants to discuss death or serious injury. Unfortunately, if you ride a bike, you need to plan for a potential disaster. Distracted [...]
Insurance in the YouTuber Universe
Insurance in the YouTuber Universe Thomas Ayres, CPIA Digital video influencers have totally changed the way information is delivered and received in our society. The draw to become a YouTube influencer (and hopes of making millions) has overtaken the lives of our nation's youth. If you have children with iPods, [...]
Protecting Assets with Property and Casualty
Protecting Your Assets with Property and Casualty Insurance In the life of someone with a substantial net worth, there is a point when protecting the assets you have already attained supersedes the acquisition of new ones. The primary way to do this is by ensuring adequate coverage is in place [...]
Auto Insurance For Your Au Pair
Auto Insurance when you have an Au Pair Auto Insurance for Your Au Pair The idea of having a young person, that isn’t family, drive your car and your children around can be scary. That being said, some families determine that it is a necessity. When both parents [...]
Lay-Up Period in Boat Insurance
Lay-up Periods in Boat Insurance What is a lay-up period? Lay-up refers to the time period that a boat is not being used. In the Northeast, most insurance carriers have a lay-up from November to April. Depending on the size of your boat, your lay-up period will require pulling your [...]
What Happens if I Have a Gap in Car Insurance?
What happens if I have a gap in car insurance? We received a call last week from a prospective client and they are insured with a direct insurance carrier and they were explaining that they had a gap in car insurance coverage due to non-payment/late payment over the summer. This [...]
Do You Need an Umbrella Insurance Policy? The Answer is Probably Yes
If you're hit with a lawsuit, your auto or homeowner's insurance may not fully cover you. Why? Do you have a dog? How about a swimming pool or a trampoline? Do you have a lengthy commute? If you responded yes to any of those prompts, you have an above-average risk [...]
Cyber Risk Questions Every Business Owner Should Think About and Why Cyber Liability Insurance is so Important
Cyber Risk Questions Every Business Owner Should Think About and Why Cyber Liability Insurance is so Important When a data breach occurs, the damages can be significant, often resulting in lawsuits, fines, and serious financial losses. Cyber exposures impact businesses of all kinds, regardless of their size, area of [...]
Jewelry Insurance
Jewelry Insurance If you’re like many of us, you own jewelry pieces that have sentimental value – an engagement ring, pair of earrings, or a family heirloom watch – and often bring these items with you when you travel. If you’re planning to travel soon, there are ways you [...]
How Does the NFIP Define A Flood?
How Does the NFIP Define A Flood? Do you live in a coastal community? Many people move to the Tri-State area because they want to live by the water. When moving to the coast, it sometimes creates unexpected new insurance concerns. Not only do many residents have to purchase homeowner’s [...]
Case Study: Family with Direct Insurance Carrier
Case Study: Successful family with a direct insurance carrier. CLIENT “A” Client “A” is a highly successful, professional, two-income family of four who initially had a direct insurance carrier. Both between 45-50 years old. He a surgeon and she an attorney. Their approximate net worth was in excess of $10M [...]
Designated Flood Zones and Homes For Sale
My client is ready to make an offer on a new home, but do I know the home's designated flood zone? Great question! Homebuyers need to take into consideration the accurate flood zone of a home when making their offer. Because it is so important, real estate professionals should confirm [...]
Under Insured Motorist and Cyclists
Are you a cyclist? Have you thought about the repercussions of being hit by an under insured driver? Do you understand uninsured/under insured motorist insurance coverage? No one wants to discuss death or serious injury. Unfortunately, if you ride a bike, you need to plan for a potential disaster. Distracted [...]
Insurance in the YouTuber Universe
Insurance in the YouTuber Universe Thomas Ayres, CPIA Digital video influencers have totally changed the way information is delivered and received in our society. The draw to become a YouTube influencer (and hopes of making millions) has overtaken the lives of our nation's youth. If you have children with iPods, [...]
Protecting Assets with Property and Casualty
Protecting Your Assets with Property and Casualty Insurance In the life of someone with a substantial net worth, there is a point when protecting the assets you have already attained supersedes the acquisition of new ones. The primary way to do this is by ensuring adequate coverage is in place [...]
Auto Insurance For Your Au Pair
Auto Insurance when you have an Au Pair Auto Insurance for Your Au Pair The idea of having a young person, that isn’t family, drive your car and your children around can be scary. That being said, some families determine that it is a necessity. When both parents [...]
Lay-Up Period in Boat Insurance
Lay-up Periods in Boat Insurance What is a lay-up period? Lay-up refers to the time period that a boat is not being used. In the Northeast, most insurance carriers have a lay-up from November to April. Depending on the size of your boat, your lay-up period will require pulling your [...]
What Happens if I Have a Gap in Car Insurance?
What happens if I have a gap in car insurance? We received a call last week from a prospective client and they are insured with a direct insurance carrier and they were explaining that they had a gap in car insurance coverage due to non-payment/late payment over the summer. This [...]