Did you know that January is Get Organized Month? This time of year is ideal for getting your ducks in a row. One of the best New Year’s resolutions we can advise is to review and update your home inventory. During this month of getting organized, it offers the perfect opportunity to make sure that your insurance policies align with your needs.
The easiest way to update a home inventory is often done by moving room by room, examining the items currently listed in each space. Then, scan the list of items and the photos to determine what additions, deletions, or corrections need to be made.
Have your high-value belongings been sitting in a storage box for some time? If so, it could be worth getting these items appraised. Some belongings, such as gemstones, increase in value over time. Pass the appraisals on to your insurance representative if you choose to insure those items separately.
Now you’ve conducted your home inventory, it’s important to save it and replace the older versions. Whether you have a written inventory or a digital document, you will want to keep this list safe. If you store it digitally, place one copy of it in the cloud so that you can access it from anywhere. Also, it is a good idea to email a copy of it to yourself – just to be safe. If you have a paper document, make copies and keep them in fire-proof safety boxes.
Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.
New York winters can be especially harsh, especially when the snow arrives. As a homeowner, ensuring that the snow does not become an expensive problem means that you have to clear up after each snowfall. Many homeowners are still unsure about their responsibility when it comes to snowfall. Here’s what you should know.
Homeowners are required by the New York law to remove snow and ice from their walkways, entryways, as well as the sidewalks and parking lots in front or attached to their properties. Under the premises liability law, property owners are responsible for taking reasonable steps to make sure the properties are free from hazards and risks that could endanger visitors.
In New York, you have a certain amount of time to clear the snow from your property.
If the snow stops falling between:
Remember to pace yourself when cleaning snow because it can be a physically-intensive and strenuous task. In cases of heavy snowfall, you may want to consider hiring a service to clean the snow from your sidewalk and driveway.
Homeowners should bear in mind that, even without the hazard of snow, they can be sued if a person falls and sustains an injury on their property. If ice and snow on your driveway cause a visitor to fall and injure themselves, you could be found negligent and liable. This can be a costly outcome for many homeowners. Not only is it a good idea to keep your property in a safe condition, but it is worth ensuring you have enough homeowners insurance protection should you need it.
For the quality homeowners insurance you need to protect you throughout the season, contact the team at Abatelli Group, Inc., serving Whitestone and neighboring cities in New York.
Black ice is one of winter’s greatest driving hazards, and it can make New York roads a dangerous place. The thin sheet of ice can appear transparent, meaning that many drivers don’t spot it on the roads and end up skidding. Equip yourself with the knowledge to drive safe and smart so that slippery conditions won’t compromise your next journey.
Now is the time to review your auto insurance and ensure you have optimum coverage for the winter ahead. To learn more about auto insurance, contact Abatelli Group, Inc. for a quote. We can help you secure reliable Whitestone, NY car insurance coverage!
With all we tend to tackle during the holidays, getting things done can sometimes take priority over doing things cautiously. Your Independent Agent and kemper would like to share some ideas on how to take care, protect your property and still enjoy the festivities in the busy weeks ahead.
The season of thanks is upon us, and the team at Abatelli Group, Inc. would like to take a minute to thank each of our clients. As an independent insurance agency, our work is only made possible when individuals, couples, and families seek our services and let us protect their finances and assets. We love doing what we do, and we are so thankful that you continue to give us the opportunity to do that every day. With your support and feedback, we are able to reach more people and offer valuable coverage. We thank you for your loyalty and support.
We wish you a happy and safe Thanksgiving holiday!
When businesses think about what active risks they face on a daily basis, they are likely to come up with a long list of cyber risks. While this is fundamentally an important issue to address, cyber risks are not the only threats that you should be concerned about. Read on for a few emerging risks to businesses that aren’t cyber.
Professional Service Mistakes
Although it’s not a new risk, it is becoming more popular now that consumers feel justified and supported when they do not get the service or product they were expecting. A business doesn’t have to make a mistake to face an allegation. One lawsuit, however unwarranted, can cripple a small business in terms of time and money. Ideally, businesses should have professional liability insurance in place to handle such risks.
Every business should have insurance to protect their physical location against fires, theft, natural disasters, and more. However, the climate is changing and weather events are becoming more and more extreme. From fires to floods, it’s a good idea to look into extra storm protection. Typically, flood insurance is not included in business insurance policies, meaning you will need to purchase coverage separately.
An emerging risk is increasing deficiencies in insurance policies themselves. Consumers are often under the misconception that the only real difference between insurance companies is the price of their policies. Buying policies that don’t cover much for a small expense every month can hurt your business rather than protect it. You should work with an insurer that is able to provide optimum coverage for the right price.
Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your company overcome emerging risks. With reliable commercial insurance we can help your business’s livelihood. Contact us today to get started.
You’ve worked hard to establish your business, spending countless hours building it from the ground up. Unfortunately, all of that hard work can be destroyed in sheer seconds if a natural disaster or other emergency happens. No business is completely immune to crisis events, medical emergencies, or disasters. Even if you have excellent preventative measures in place, unforeseen events can threaten the livelihood of your small business. To help protect your business better, establish an emergency plan.
Start your disaster plan by noting down potential risks your business faces. Possible emergencies include fire, explosions, severe weather, medical emergencies, acts of terrorism, and power outages. Depending on your business’s location, you may have additional risks to think about, such as earthquakes and floods.
Once you’ve identified potential risks, your next step is to establish emergency responses to each scenario. Most emergencies require either evacuation or shelter-in procedures, so be sure to consider both possibilities for the different disasters. Create a policy that will specify evacuation routes, an outdoor assembly meeting point, how to assist employees with medical conditions in an emergency, and more. Don’t forget to assign the responsibility of communication to employees, vendors, clients, and guest in case of an emergency.
If your business is forced to close its doors temporarily after a disaster, how will your company cope? Be sure you know how you can keep operating when the office is closed. Do employees have their own computers? How will you communicate this information to them? How far in advance can you let them know? Discuss continuity plans with your vendors, too, to ensure they have procedures for post-disaster events.
Forward-thinking can help your business recover quickly after a disaster. For all of your business interruption insurance and commercial insurance policies, 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!
We’re in a tech age, and that means hackers are finding inventive ways to get a hold of and abuse business data. From vendor details, bank account information, employees’ Social Security Numbers, login details, and more, businesses of all sizes are goldmines for hackers. Since October is Cyber Security Awareness Month, we’ve rounded up some tips on what your business can do to keep data safe.
Always back up your business data on a secure server. If possible back up to the cloud – and ensure that your login details are safe. Businesses should regularly back up data in case of a disaster, from fire, natural disasters, and cybersecurity breaches.
How many of your employees can access the sensitive information? You may find that it’s surprisingly easy once they are on the system. To safeguard your data, limit who can access the information, restricting it to only the essential team members.
Anti-malware and anti-virus software helps to detect threats – so make sure they’re installed and kept up to date!
Secure Cyber Liability Insurance
Cyber liability insurance is designed to help your business if it does fall victim to a security breach. From recovering data to keep your business’s reputation in check, this coverage is valuable to have.
Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your company data. With reliable cyber liability insurance, we can help your business if it ever falls victim to cyber security breaches. Contact us today to get started.
Whether you work on a construction site or in an office, there’s one thing that all business owners need to prepare for: a work-related illness or injury. Employees are only human and accidents happen. While you may do everything to prevent workplace injuries, sometimes they cannot be avoided.
Business owners should know how to handle an injury or illness sustained while on the job. Check out these steps to guide you through the process.
Seek medical assistance. The first thing you need to do after an injury is to get medical care for the injured worker. If it’s life-threatening or after-hours, bring them to the emergency room or call an ambulance. Do this immediately, as you may face legal backlash if the injury goes untreated. If the injury or illness is not severe, you should send him or her to the agreed upon health care provider, preferably one focused in occupational medicine.
Record the scene. Once the employee is under the medical care of professionals, return to the scene and try to preserve it for investigative purposes. Take pictures of the scene and gather information about it. Record eyewitness information and as many details about the accident as possible. This will help you to file the insurance claim.
Transition them back to work. The return-to-work program is going to be different for every injury, but the employers’ support is what makes all the difference. Set up a program that helps the employee return to their role at work. There may be some help needed, such as accommodation, time off work, reduced workload, or modified job responsibilities.
Ensuring that your business has proper coverage before the accident occurs is critical to making the injury care process run smoothly. This means complying with New York’s workers’ compensation laws and having a plan in place with an injury care provider. Not sure where to start? Talk to the team at Abatelli Group, Inc. where our team will help you find reliable coverage.
On Thursday, September 13, 2018, indulge in your favorite chocolate. Why? Not because it’s a Thursday and it’s almost the weekend, but because it’s International Chocolate Day! If you’re looking for an easy and delicious recipe to truly celebrate this wonderful day, check out these chocolate truffles below. Homemade chocolate treats are sure to impress your friends, family, and will be more satisfying than a candy bar from the store. Read on for the recipe!