Abatelli Blogging Team

11
Jul

The Basics of Commercial Property Insurance Policies

What you should know about commercial property insurance.  

Your business has a lot of physical assets: your building and its contents. These pieces of property can be damaged, which is why it’s important to protect them. A commercial property insurance policy is designed to cover buildings and personal property owned by your business. While unexpected accidents and events can happen at any time, such as storms, fires, and other major setbacks, with business property insurance, you’ve got support and financial assistance to help you recover quickly.

How commercial property coverage works

Commercial property insurance coverage varies, but they are typically classified by the type of event leading to a loss, and by what things are insured. Basic property insurance usually covers losses caused by fires or explosions, theft, vandalism, and damage from vehicles and riots. You can purchase additional coverage that protects your property against mass-destruction events such as earthquakes and floods.

Commercial property insurance is designed to cover your building and outdoor items on the premises as well as key items inside such as office equipment and inventory.

Take an inventory

Before you decide to take out commercial property insurance, it’s wise to take an inventory of your business. This helps you determine what property you want to insure, what its replacement value would be, and if it’s worth insuring. The property you might insure could include:

  • The building that houses your business
  • All office equipment (computers, phone systems, furniture, etc.)
  • Accounting records and important company documents
  • Manufacturing or processing equipment
  • Inventory kept in stock
  • Fence and landscaping
  • Signs and satellite dishes

For the right commercial property insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!

20
Jun

How Are Your Auto Damages Estimated?

Understand how your auto damages are estimated after an accident.

If your vehicle is damaged in a car accident, it is natural to want to know how to get it repaired as soon as possible so that you can get back on the road. One of the first questions you’re likely to ask, “What will it cost to repair my vehicle?” This can be an intimidating question since most of us are not in the auto repair business and have no idea what it costs for parts, labor, or paint. When you file a claim, your insurer will often send out an appraiser who will investigate the damage. Keep in mind that this isn’t an instant solution, but it does take the necessary steps to get your vehicle back on the road.

Once you call your agent or insurance company and let them know about the accident, you will be able to talk to a claims adjuster. After you give your statement about the accident, and you have coverage for the damage, the adjuster will send out an appraiser to inspect your vehicle or you will need to take your vehicle to a certain body shop. The appraiser will take pictures of the entire vehicle as well as the damaged areas. The reason for this is so that the insurance company can be sure that they are only paying for damages from the accident, rather than wear and tear.

The auto estimate will break down what work needs to be done to restore the vehicle, as well as itemizing parts, repairs, paint time, labor, and tax. The appraiser will compare part prices to ensure they are in line with guidelines your insurance carrier uses for vehicle repairs. Once this estimate is generated, the work will commence. Keep in mind that the shop may find additional damages down the road when the repair work is being completed. If this happens, the shop will submit another estimate, which can slow down the process.

Make sure that you have an auto insurance policy that works for you. To get started on quality coverage, contact Abatelli Group, Inc., serving motorists in Whitestone and neighboring cities in New York.

6
Jun

Renters Insurance – Why You Should Consider It

Should you get renters insurance coverage? 

As a renter, you may be tempted to skip the thought of purchasing renter’s insurance coverage. After all, you don’t own the space and you only have a few belongings – coverage can’t help you that much, right? Think again. All people who rent an apartment or condo should consider taking out a policy to protect their belongings, wallet, and more. Here’s why.

What does renter’s insurance cover?

Most renters are under the impression that the landlord is responsible for repairing and replacing their property after an incident, such as fire or theft. This is a costly assumption to make. The landlord will have insurance that covers the whole building, excluding your own personal property. This means that if you don’t have insurance, you leave your belongings and pocket vulnerable to risk.

Renter’s insurance covers:

  • Personal property damage: If your personal property is damaged in a covered peril, your renters insurance company will cover the cost of the damage up to your policy’s limits. A covered peril is a damaging event listed in your policy such as fires, wind, and certain type of water damage.
  • Personal liability: If someone is injured on your residence, and the event is found to be due to your negligence, your policy will cover the costs of legal liability. A standard policy covers up to $100,000 in liability costs.
  • Additional living expenses: If your rental home or apartment becomes uninhabitable, your renters insurance policy will cover the expenses.
  • Medical Payments: Coverage for medical costs if a guest is injured on your property.

Common perils include:

  • Fire and lightning
  • Wind and hail
  • Explosions
  • Smoke damage
  • Theft
  • Vandalism
  • Water damage
  • Mold
  • And more!

Ready to gets started on quality renters insurance coverage? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.

16
May

Top Tips to Prepare Your Vehicle for Summer

Get your car ready for the summer months.

Road trip season is almost here! Now is the time to make sure your vehicle is ready to handle some sun-drenched driving. Summer’s high temperatures, flurries of dust, and occasional rainfall can take a toll on your vehicle and driving. To help ensure your car is ready for the summer roads ahead, be sure to follow these car maintenance tips.

  • Get your oil and oil filter changed

This is particularly important if your last oil change was a while ago. Intense weather conditions can put extra demands on your oil and oil filter, and breaking down in the hot sun isn’t an option. A clean filter and new oil make for a healthier, happier engine!

  • Top up the fluids

The fluids often get neglected in summer because motorists likely topped them up before winter. However, now is the time to double check the fluid levels such as transmission fluid, power steering fluid, coolant, and even windshield wiper fluid. Coolant fluid is especially important to keep an eye on before the heat of the season.

  • Test the tire pressure

Potholes and difficult road conditions wear on your tires and their air pressure. Make sure that your tires (including your spare) are properly inflated before hitting the road for a big summer road trip. Tires with low air pressure tend to wear out much quicker and will lead to inefficient fuel consumption.

  • Replace the wipers

It may sound ridiculous to get new wiper blades in the summer months, but summer isn’t always about the heat. When there’s rain or mist, you’ll want good, functioning wiper blades that are clean and effective.

To learn more about auto insurancecontact Abatelli Group, Inc. for a quote. We can help you secure reliable Whitestone, NY car insurance coverage!

9
May

3 Ways to Make Your Business Stand Out

Proven ways to make your business stand out from competitors.  

In many ways, it’s easier than ever to start up your own business but it’s becoming increasingly difficult to stand apart from the crowd. But it’s not impossible. Take a look at these tips on how to help your business to gain valuable visibility.

  • Create a dream team

We need a team of employees around us to help set up the business, achieve goals, and reach new heights. Take the time to hire the right people for your business who match your business’s culture and values. This dream team can be difficult to construct but get it right and you be able to take on the world.

  • Go digital

A lot of businesses make the mistake of thinking that what they do or sell won’t translate online. They couldn’t be more wrong. It’s time to make what you do or sell visible online because that’s where your audience is. Leverage social media and your website to reach more people.

  • Focus on customers

Your customers drive your business so it’s important not to lose sight of them and their needs. Be sure to address customer pain points and take on feedback so that your products and services adequately suit your audience.

For the right commercial insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!

18
Apr

Tips to Make Your Business More Efficient

Making your business more productive. 

Every business owner knows that making their business more efficient will save them time and money. This is often taken to mean cutting costs, but this can result in low quality work and services. With so many companies fighting for their slice of the market share, there is simply no room for those which do not streamline their business processes. This is particularly true for small to medium-sized businesses, which operate with limited resources in contrast to their larger counterparts. To help make your business more efficient, read on.

  • Use your time more effectively

In a nutshell, time is money – or the potential for money. The more time you waste on inefficient activities, the less free time you have to spend doing productive activities that will help your business grow. For a week or so, ask your employees to track their time – and track yours, too. Here, you will able to figure out which processes are taking longer than necessary and allow you to streamline processes to save previous minutes.

  • Facilitate teamwork

Messages and information between employees can now be passed around in a simple and organized manner, allowing employees to work more efficiently as a team. Talk to your team and ask them how they think they could improve on their practices to be more efficient and you may get some innovative ideas.

  • Minimize unproductive travel time

Time lost due to travel is a concern for many businesses. You can make the most of technology by allowing employees to work remotely, access documents in the cloud from anywhere, and route calls to employees’ phones so that operations can continue working even when they are out of the office.

Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business’s livelihood. With reliable commercial insurance, we can help your business’s future. Contact us today to get started.

11
Apr

5 Ways to Get Your Home Ready for Spring

Prep your home for the brighter days ahead.

Spring cleaning season is here, and it’s time to fling open the windows and get your home sparkling again. All those little cleaning and maintenance tasks are demanding your attention. Apart from regular cleaning and repairs, you need to make sure your property is ready for the spring season. Here are a few tips to get your home spick and span.

Clear the clutter

The first step to spring cleaning is to declutter. Get rid of any unloved clothing and furniture you’ve never used. Sort out items into piles which you need to throw away, donate, repair, and keep. Not only will you find things you haven’t used for months, but you can reduce the clutter in your home.

Deep clean

Giving your home a deep clean is essential if you’re serious about getting your home spruced up. Clean your home room by room so that the rest of the house is free to use. Don’t forget to clean those hard-to-reach places, such as inside the oven, the bookcase, and behind furniture.

Trim broken tree limbs

Cold winter storms and snow can leave your yard full of broken branches and twigs. That doesn’t mean you’re off the hook when it comes to pruning. Bad snaps do serious damage, so be sure to find weak and dying branches and remove them effectively.

Tend to the gutters

Winter can take a toll on gutters, and putting off cleaning and repairs can lead to bigger headaches once the snow melts and spring rains come. Make sure to clean out the gutters, removing dirt and debris, and fix any weak spots in the gutter or downspout.

Get into the habit

Now that you’ve conducted your spring clean and maintenance tasks, get into the habit of regularly tending to your property to ensure it is in good condition.

Make sure you have a policy that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.

21
Mar

Do I Need Commercial Insurance If My Business Has No Inventory?

Should you get commercial insurance if you have no inventory?

If you own a service-based business such as a hair salon or air conditioner repair shop, then it is likely that you don’t have a lot of inventory to worry about. In fact, many business owners of service-based businesses assume that there is no reason to hold commercial insurance because they have no inventory that would need to be replaced in the event of a disaster. The truth is, commercial insurance is for every type of business.

Commercial insurance policies cover a lot more than just your inventory. They work to cover your equipment, vehicles, tools, liability, and provide protection in the event of a lawsuit. For a service-dominant business, that means a policy can protect everything you need to stay in business.

Even if your business doesn’t have much in the way of merchandise, there’s a good chance that you have valuable tools or equipment to do your job. If your business was victim to theft or natural disaster, it’s possible that you’d lose all of these things. In turn, this may mean your business would be forced to close its doors.

Commercial insurance can also include coverage for the structures and real estate that your business owns. Storage building, storefronts, and manufacturing facilities can be covered under a commercial property insurance policy.

For the right commercial insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!

7
Mar

How to Prevent Water Damage From Appliances

Safeguard your property and appliances from water damage with these tips.

Believe it or not, but appliances in the household are one of the main sources of water damage to homes. That’s right, it’s not rain coming in through a window or a faucet that’s been left on. Washing machines, fridges, and hot water heaters are major culprits when it comes to causing havoc in the home. Take action and prevent water damage in the home from appliances with these tips.

  • Check for leaks often. Thoroughly check the area around appliances for any signs of leaking every couple of months.
  • Check supply hoses. Check the supply hoses regularly to ensure a tight connection and that there are no breaks or tears. It’s a good idea to replace supply hoses for washing machines and dishwashers every five years, even if there are no signs of wear.
  • Flush out your water heater. Every year, flush your water heater to remove sediment and ensure that it uses fresh water.
  • Supervise running appliances. Try to only operate washing machines and dishwashers when someone is at home.
  • Service machines as necessary. It’s a good idea to call out a professional to service your machines and appliances every couple of years. If the machines are nearing the end of their life expectancy, consider replacing it before it leaks or bursts.

Sometimes, not all losses can be prevented. However, following these tips should lower your chances of a leak in the home. Make sure that you know where your water shut-off valve is located so that you can quickly turn off the water to minimize damage.

Homeowners insurance can help if the worst does happen. Make sure you have a policy that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage. 

21
Feb

Where Your Business Property Is and Isn’t Covered

Understand how to better protect your business’s property.  

Compared to all the other insurance policies, picking a commercial property insurance policy may seem like the easiest one. The premium is worth the peace of mind that your business’s property is protected. However, it is important to look closely at the policy you choose because you may find you have left your business vulnerable.

Your commercial insurance policy is designed to keep your building, furniture, equipment, and electronics protected. If a peril happens, such as theft or a fire, your insurance can step in to cover the costs of repairing and replacing your property. Keep in mind, however, that every policy has its limits.

Statistically, businesses are affected most often by the following claims:

  • Burglary and theft
  • Water and freezing damage
  • Wind and hail damage
  • Fire

Your business insurance typically covers the above claims. However, these are not the most costly claims. Vehicle accidents are a common and expensive claim among businesses. However, property insurance cannot cover your business’s cars. For your journey and business vehicles to be protected, you must acquire a commercial auto insurance policy. Keep in mind that your property insurance may not cover all of your business’s property.

Commercial property insurance also does not typically cover the following:

  • Commercial vehicles
  • Property damage resulting from employee error
  • Property that was not purchased for the business
  • Personal assets that may be used by the business
  • Property intentionally damaged by the business owner or employees

Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business’ property. With reliable commercial insurance, we can help your business’s livelihood. Contact us today to get started.