Insurance News

We are all looking to cut costs when it comes to our insurance premiums. The first step you should take is to talk to an independent insurance agent who represents multiple insurance companies. This will help you to choose the best insurance company for your needs. It will also help you to choose the right policy, which may not be the least expensive option. If you do not have the proper coverage in place, you will o

Commercial Umbrella Insurance, sometimes called Excess Liability Insurance, supplements the limits of your other underlying insurance policies such as general liability, automobile liability and employer’s liability. In simple terms, an umbrella policy will pay out when the limits of your other insurance policies have been reached. As an example, if you have $1 million in general liability coverage and a claim is set

Many of us have dealt with the issue of deciding whether our elderly parents should still be driving. We worry about them getting into accidents. Most people assume that accident rates increase as drivers age. In fact, studies have shown that drivers aged 70 and older are less likely to be involved in crashes than in previous generations. They are also less likely to be seriously hurt if they do crash. Older drivers

What is a Data Breach? A Data Breach is a security incident in which sensitive, protected or confidential data is stolen, copied, transmitted or used by an individual unauthorized to do so. Data Breaches may involve financial information such as credit card and banking information or personal health information. In the largest known online security breach to date, at least 420,000 websites were hacked by a central Ru

Winter driving is no fun. Editor’s Note: This article first appeared on CarInsurance.com and is reprinted here with their permission. Click here for the original post. Before the next storm hits, learn how your car insurance coverage applies to common winter driving hazards. 1. I had to abandon my car! Before leaving your stuck car, call for emergency roadside service, says Mary Bonelli, senior vice president o

After a snowy week, with several more storms on the way, it seemed like a good time to share this article on winter driving.  As always, stay home if you can.  If you must drive, take a look at these tips and be careful out there.  AAA Expert William Van Tassel, Ph.D., provides five tips on staying safe on snowy roads. Photo via iStockphoto.com. No matter if you grew up in the blistering cold of Western New York wint

The following is simple explanation of the coverages you will need in order to have your automobile properly insured. Working with experienced professionals such as Berkely Brokerage Corp. will help to ensure that you are not underinsured. It is equally as important to make sure that you are not paying for expensive coverages that you may not need. BASIC COVERAGES: BODILY INJURY LIABILITY – This will protect your ass

Crowded parking lots at holiday time can be hazardous. The busiest shopping season of the year is here: the three short weeks between Thanksgiving and Christmas. In addition to the crowds in the stores, we’re facing more traffic in store and mall parking lots as well. And that means an increased risk of auto accidents. Here are some tips from AAA on how to survive those holiday shopping expeditions. Head for th

Errors & Omissions insurance covers your company, or you individually, in the event that a client holds you responsible for a service you provided, or failed to provide, that did not have the expected results or outcome. It insures you for errors or omissions that you have made or that the client perceives you have made. Errors & Omissions policies usually cover the cost of damages incurred by your client as