Abatelli Group, Inc.

22
Apr

Harnessing Technology to Prevent Rear-end Collisions

Using technology to prevent accidents and reduce insurance claims.

Technology that prevents rear-end collisions can reduce the occurrence of accidents or at least mitigate their severity. This often translates to lesser damages and reduced insurance claims. A recent study showed that rear-end collisions constitute about 29% of all road accidents. While this type of collision does not often result in serious physical injuries, damages to the vehicles can be costly to repair. For example, a damaged bumper will cost about $350 to repair for a minor accident and go up to as high as $10,000, if the vehicle was involved in a severe crash.

The good news is car manufacturers are pushing out new innovative technology to help prevent rear-end collisions. By preventing these collisions or simply reducing the severity when they occur, these technology solutions help reduce insurance claims.

Automatic Emergency Braking

Rear-end collisions at low speeds have been reported to be the most common type of accidents. City Safety was designed to tackle this problem. First introduced in 2008, City Safety is an automatic emergency braking (AEB) technology made by Volvo. It is a groundbreaking technology as the first auto brake system designed specifically to avoid low-speed collisions when driving in stop-and-go traffic. The system becomes active when the car is moving at a speed that ranges between 2-18 mph. It uses a laser that is mounted on the front bumper of the car, which measures the distance between the front of the car and any object in front of it. If the car approaches an object within a certain range, City Safety automatically applies the brake. This stops the car, thus preventing a possible collision. It works perfectly both during the day and at night; however, its performance can be affected by some weather conditions such as fog or snow. These days, many other vehicle manufacturers are installing similar emergency braking systems.

While this technology may be unable to completely eradicate rear-end collisions, it reduces the severity of the accident if it happens. This, in turn, reduces the damage to the vehicles and saves both the car owners and insurance companies some money.

Rear automatic emergency braking

Another emergency braking system detects an imminent back-end collision and automatically applies the brakes to either avoid it completely or lessen the impact. It uses cameras or sensors mounted on the rear bumper of the car. The software constantly retrieves data from either the sensors or cameras and uses it to calculate the probability of a crash occurring. If the results fall within some pre-determined parameters, the automatic braking system is activated.

Between 2010 and 2017, insurance claims for rear collisions for amounts under $2,000 represented about 17% of overall claims, resulting in a total of $8 billion paid for damages. Rear automatic braking systems can reduce these claims by at least 28%.

Buying a car with built-in technology to prevent the occurrence of rear and front-end collisions will save you both time and money. You won’t have to file insurance claims very often, and when you do, it will be for smaller amounts. This will prevent insurance companies from increasing your premium. If you are looking for a reliable insurer for your car in Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York, you can check us out at Abatelli. We will help you find a suitable insurer for your car in no time. Contact us today!

8
Apr

Tips to Choose the Right Commercial Insurance for Your NY Business

As a business owner, you must ensure your business has the right amount of insurance coverage to protect it against unpredictable events. For over 100 years, Abatelli Group has been meeting the commercial insurance needs of businesses in the NY area, and we will be happy to walk you through the process while ensuring we pick the best policy for your business. Making an uninformed decision when choosing the amount of coverage your business needs could have costly consequences.

To get you started, here are 4 features to look out for when choosing commercial insurance for your business.

1. Coverage for your commercial vehicles:

If running your business involves driving company-owned vehicles, then your commercial insurance should include coverage for such vehicles. Commercial auto insurance covers damage to the vehicle or another person’s property in the event of an accident, as well as injury to the driver of the vehicle or someone else. Business vehicles can include vans, construction vehicles, trucks, etc. Personal car insurance will usually not cover any damage caused while using the car for commercial purposes, hence the need for this type of coverage.

2. Cyber liability coverage

: Businesses are relying more and more on technology to solve problems and ensure the smooth running of their operations. While this may boost efficiency and help the business to keep up with its competition, it also makes the business more vulnerable to cyber threats. Having a business insurance plan that covers cyber liabilities will help mitigate financial losses that come with data breaches and other covered cyber events. This may include covering the costs of restoring stolen data or paying litigation fees if a client’s personal information is leaked or stolen, and they decide to sue your business.

3. General liability coverage:

This protects against damages inflicted to another party during your company’s operations. Such damages include property damage, bodily injury that occurred on your business premises, and harm inflicted by your product. It may also cover any damage that was caused by an employee in a location outside your premises.

4. Property coverage

: Commercial property insurance protects your business properties in the event of unforeseeable circumstances. Circumstances such as theft, fire, vandalism, and explosions are covered by this policy. The physical assets that are protected include your building itself, important business documents, all office equipment, manufacturing equipment, inventory, and other outdoor items within the premises.

You’ve worked hard to build your business. The cost and risk of leaving your business unprotected are not worth it. Talk to the team members at Abatelli Group, Inc. to find out how we can protect your business from unforeseen circumstances. With a reliable commercial insurance, we can help your business if it is located in Whitestone, Flushing, Bayside, Little Neck, or surrounding cities of New York. Contact us today to get started.

18
Mar

Involved in an Accident? Here’s How a Car Insurance Claim Works

If you have recently been involved in an accident it could, unfortunately, translate to financial liabilities on your vehicle, depending on how badly it was damaged. If you have insurance, congrats! However, navigating the car insurance claim process can be tricky. There is a lot of emphasis placed on buying insurance, but not many people know what to do during the claims process. In this guide, we will break down the car insurance claim and what to do if you ever get in an accident.

Talk to Your Claims Representative

The first step of the claims process is talking with a claims representative after your accident. This claims representative will discuss damage to your vehicle, estimate of repairs, your policy coverage, and other relevant information to ensure you’re on the same page with your insurer. It is often easy to monitor the progression of your claim by logging into your account on your insurer’s website.

Use a Rental Car

While the claim validation is ongoing, you will need to make arrangements for a rental or another car you can use while the process continues. Most auto insurance policies have a rental reimbursement allowance which will cover the daily charge of your vehicle, eliminating additional out-of-pocket costs.

Await the Investigation

When there is more than one vehicle involved in the accident, you will need to wait for the insurance representative to conduct an investigation. This investigation will cover all parties involved and ensure that all areas are covered. The representative will determine liability, cost of repair and parties to be settled.

Repair Your Vehicle

Once the investigation is complete, your vehicle can then be repaired at any auto repair shop of your choosing. Some insurers have partner shops they will recommend for you but the decision rests in your hands, especially if you have a repair shop you already trust.

Give Feedback

Although it may not seem important, feedback is crucial to help you improve the processes of your insurer. This will help them to fix any problems they may have with their processes and offer better service to you and other customers the next time around. Giving honest feedback is a critical procedure that will help your insurer fine-tune their process and make your next claims experience faster and better.

If you have never gone through the claims process, this is a guide that will help you get through smoothly. If you are having problems during your claims process, contact your insurer for immediate resolution. If you are looking for a reliable insurer for your vehicle, you can check us out at Abatelli. We will help you to find a suitable insurer for your vehicle in no time. Contact us today!

4
Mar

Cybersecurity Tips to Protect Your Business-Related Emails

If you run a small business, then it may be difficult to get external help like most public and large corporations do. One area where small businesses might need help is email security. In this article, we have highlighted a few tips which you can use to protect your business emails, even if you cannot afford external IT help.

Here are five cybersecurity tips for small businesses that can help you protect your email:

1. VPNs

VPNs, virtual private networks, are used when individuals want to browse privately and anonymously on the internet. If you have employees or vendors who will be accessing your business emails from outside the office using unprotected WiFi services or public WiFi, they should use a VPN to hide their activity. This is advantageous for small business security because it helps prevent breaches from leaked data caused by the use of unsecured internet infrastructure.

2. Strong Passwords

Passwords are used to protect your email from intruders who try to break in. You must use a password that cannot be easily cracked. Some email providers recommend that you use a mixture of upper and lowercase letters, numbers, and symbols to create a sturdy and impenetrable password.

3. Encryption

Information that is sent over the internet, like messages, photos, videos, and emails, can be encrypted. Information that is not encrypted can be intercepted and the information can be stolen. You should invest in low-cost encryption tools that can be used while sending sensitive information over email.

4. Two-Factor Authentication

Two-factor authentication is a process where you attach a trusted number to your email account, generating a code that is required to log in to your email account. This is a security system designed to protect your account in the event intruders gain access to your email password and try to get into your account. Without this unique password, they will be unable to access your account. To further improve security, ensure the phone number isn’t easily accessible.

5. Avoid Suspicious Emails (Phishing)

Hackers will sometimes send out malicious email messages resembling legitimate companies in a bid to get you or your staff to click on harmful links. These links could allow them to gain access to your emails, bank account information, or any other credible information they need to steal from you. Train your staff to recognize suspicious emails that promise them rewards if they click on a link.

Is It Dangerous to Share Your Email Id with Social Sites?

Social media platforms may ask for your email id to connect you with friends. However, there have been privacy-related lawsuits against many of these platforms. So, it is better to avoid sharing your email login credentials with such sites.

There are numerous ways bad actors can gain access to your small business emails but these useful tips will help keep you safe from harm. Identifying cybercrime and stopping hackers before they can breach your system is of the utmost importance. Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business from potential cyber-attacks. With reliable commercial insurance, we can help your business’s future. Contact us today to get started.

 

18
Feb

Simple Ways to Balance Your Work and Personal Life

As reported by the Organization for Economic Cooperation and Development (OECD), the Netherlands ranks first with a rating of 9.3 out of 10 for countries that offered their workers the best work-life balance. Several factors, including average work hours and personal time, were considered. Sadly, the United States did not rate as well. This indicates how maintaining a work-life balance is difficult for an average American.

According to research, people who work long hours are at a 33% greater risk of having a heart attack and are 13% more susceptible to cardiovascular diseases. Luckily, a better work-life balance is achievable in simple but pragmatic steps.

Move with a Planner

Maintaining a sound mind at work can sometimes feel like a job itself. If you want to achieve work and personal goals, a good habit to get into is writing down a plan every day. Keeping a small journal that outlines your plan for the day can keep you in check and allow for a healthier balance of life and work.

Filter Your Activities for the Day

If you find that you regularly waste time on low-value activities, you most likely find yourself working long hours, too. If you’ve identified this as a problem, use a recorder to capture every minute of your time for a few days. Then, review what you captured and cut out non-value adding activities. Spending time on social media platforms or making personal calls are examples of no-value activities at work. Also, activities that are out of your job description should be delegated or passed to the appropriate person since maximizing every minute is paramount to work-life balance.

Have A Regular Time Out

Isolation increases the risk of dying by 50 percent. That is why an active social life is essential for work-life balance and for healthy living in general. You can plan a picnic with your closest friends once a month. Organize your work around the picnic to force a time out to disconnect and have fun. View it as a meeting with an important client that you cannot miss. Remember, the goal is to balance your work and life.

Manage Your Stress Well

You cannot escape stress as an entrepreneur. However, you should attempt to avoid chronic stress that can affect your health. Try to develop the habit of momentary withdrawal from stressful situations to calm down and clear your head. Managing your stress wisely will bring about a better work-life balance.

As an entrepreneur, you must priortize your health. For all your insurance needs, 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 are ready to assist you with all of your insurance needs.

4
Feb

Will I Need Collision Insurance if My Car is Paid Off?

Anytime your car is involved in an accident, besides the scratches and dents, you also need to think about the effect of the accident on your auto collision insurance coverage.

Although collision insurance is not mandatory, if you’re buying or leasing a car, you will be required by your lender to purchase both collision and comprehensive coverage. However, if the car is paid off, it becomes your decision if you need collision coverage or not.

Here are a few things you need to consider while deciding whether to get auto collision insurance coverage.

Listen to Your Wallet

Collision coverage costs a few hundred dollars every year, but it covers the cost of repairing or replacing your car in the event of an accident. However, collision coverage may be significantly more expensive if you have a history of accidents on your driving record. So, your decision could depend on how much you’re spending on the coverage and whether that amount fits into your budget.

Know Your Car’s Value

Can you afford to repair or replace your car without an auto collision insurance coverage? If you’re not financially buoyant to take on major repairs out of pocket, you probably need to maintain your coverage. Also, a car-specific insurance bundled with collision coverage could save you on the major repair costs associated with luxury vehicles. Additionally, if the impact of staying without a car is enormous and will significantly affect your daily life, you would probably benefit from collision insurance.

Estimate Your Exposure to Risk

Car insurance with high risk may require a collision coverage. If you live in a high-risk location with a high propensity for collision or accident, or if you are a high-risk individual of a certain age, you may need to have collision insurance coverage.

Choose the Best Fit

Research your costs, weigh your options and choose a policy with a deductible that fits your budget. If you plan to use your collision coverage for only major damages, you may want to consider setting the deductible higher, that will help lower the cost.

If your car is paid off and you are aware of the potential disruption to your life if you were to be involved in a car accident, then it is essential to have the right collision insurance coverage.  For all of your auto insurance needs, visit Abatelli Group, Inc. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage. We are ready to assist you with all of your insurance needs.

21
Jan

4 Ways to Protect Your Business from Cybercrime

With more and more people working from home, the risk of cyberattacks for a business owner or an employer has increased significantly. Understanding how hackers can break into your network is essential, and preparation is key to prevent cyberattacks from being successful. Establishing sufficient cybersecurity measures is crucial if you plan on keeping your internet environment protected and intact.

1. Properly Train Your Employees

Provide your employees the proper training they will need to identify potential cyber threats and take the necessary steps to prevent data corruption and loss. Administering proper training to employees will allow them to stay current with the latest threats and tactics being used by hackers. Make sure to give them the tools they need to shut down a threat and prevent damage from occurring. Each employee must have the necessary training to succeed when it comes to protecting their work environment.

2. Two-Factor Identification

Two-factor identification is a great tool for employees that can be used to protect themselves and their work environment. With this type of access, a person would need to provide two different kinds of information to gain entry into their online accounts. This may be a combination of a PIN and security question or a PIN and fingerprint. As long as two components are used, it makes it much more difficult for hackers and internet intruders to gain access to your private files and network.

3. Use Up-to-Date Technology

Providing your employees with the most up-to-date technology is the best way to keep your company protected from a cyberattack. Through the use of firewalls, enhanced cloud security measures, two-factor identification, and other useful tools, you can protect your business and personal files from cyberattacks and hackers who are trying to gain access to your confidential files. If you need assistance with adding more sophisticated cybersecurity equipment, hire an IT professional who can evaluate your needs and provide you with the type of system that will work best for you.

4. Implement a Cybersecurity Environment

All employees must understand the importance of their role in maintaining a safe and productive internet environment. Every person is a vital member of the team when it comes to monitoring and identifying potential threats. With the proper training, equipment, and the right security protocols, each employee will be able to take the steps that are necessary to maintain a secure network.

Cybersecurity is an essential part of any business, especially with many people working virtually. Identifying cybercrime and stopping hackers before they can breach your system is of the utmost importance. Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business from potential cyber-attacks. With reliable commercial insurance, we can help your business’s future. Contact us today to get started.

 

7
Jan

How Do I Obtain Workers’ Compensation for My Business?

Workers’ compensation insurance is a necessary business expense. Not only is it mandatory in many states, once it is in place, it will also protect your business from financial loss if an accident does occur. In addition to providing employees with workers’ compensation insurance, it’s up to you to make sure they have a work environment that is safe and free from hazards. Taking the necessary precautions is the best way to ensure your workers remain safe on the job.

Is Workers’ Compensation Insurance Mandatory?

Most states require that businesses carry workers’ compensation insurance for their employees. There is an exemption that would exclude businesses from purchasing workers’ compensation insurance, but they would still need to self-insure their employees through a different type of policy. In most cases, it is better to purchase the workers’ compensation policy simply because it is specifically designed to cover work-related injuries that may impact your employees’ future.

Where Do I Get Workers’ Compensation Insurance?

Most insurance companies and brokers offer workers’ compensation insurance. These policies can be found online through larger companies, or you can choose to buy from a local agent who is familiar with your area and can be hands-on in determining the type and amount of insurance for your business. You may be able to get the workers’ compensation coverage you need from a state-funded program. Because the insurance is mandatory, many states offer assistance in helping companies make sure they remain in compliance.

How Much Workers’ Compensation Insurance Does My Business Need?

While some states don’t require workers’ compensation for companies that have fewer than five employees, it’s still a good idea to provide some type of insurance coverage. The amount of workers’ compensation you need will depend on how many employees you have and the type of work they do. The nature of your business will determine how much your premiums will cost you each month. In most cases, the more employees you have, the more cost-effective your policies will be. Understanding how the cost is determined will give you an idea of how much you will have to pay for each employee.

Finding the Right Insurance Agent

The key to buying the right workers’ compensation policy is to find the right insurance agent or broker. The appropriate agent will listen to your concerns and answer any questions you may have. They will be able to guide you through the process, so you can understand your premium costs and how the claims process works once an injury has occurred. Your insurance agent will be the person you go to when you need proper compliance with state guidelines involving workers’ compensation coverage.

As a business owner, it’s up to you to be compliant with state guidelines. Securing the right workers’ compensation doesn’t have to be difficult. The right agents are here to help you. For the right workers’ compensation 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. We are ready to assist you with all of your insurance needs.

23
Dec

Home Winterization Tips to Help Protect Your Home This Winter

With the change in seasons and the onset of cold, chilly days, you know it is time to prepare your home for winter. Having a home winterization plan in place is extremely important. Your home is one of your most valuable assets, so you must protect it.

To assist you in preparing for the change in seasons, here are some home winterization tips.

1. Create a Home Winterization Checklist

One of the first things you should do to prepare for the upcoming changes is to create a winter checklist. Make sure that you have all of the necessary equipment in case of an emergency. Keep at least two snow shovels in store. If you aren’t a fan of shovels, purchase a snowblower. Make sure to possess a case of salt to treat the snow and reduce the risk of a potential slip and fall accident on your property. Store up extra water and canned food in case a blizzard leaves you unable to travel.

Check your gutters. If you checked your gutter during the fall, it’s important to check them again before winter sets in. Clean all of the excess debris and leaves out of your gutters. This will prevent potential drainage issues during the winter. Check your roof shingles to see if they are damaged, and clean your chimney before heavy snowfall occurs. If necessary, add some sealer to your deck, which will make it more likely to withstand the harsh winter conditions.

 2. Examine Any HVAC Issues

Check all of the doors and windows inside your home for potential air leaks. Add caulk or weatherstripping to areas where warm air can leak out. You can increase your home’s energy output by installing double-paned windows. Tune-up your heating system and make sure to get the filter replaced by an experienced HVAC contractor who will check your furnace for any issue. This way, you will not only protect your home but also ensure cheaper energy bills.

3. Check Hidden Areas

Don’t forget to check the walls, attic, and basement to see if they are properly insulated. Disconnect all of your outside faucets and shut off the water, sealing off any possible outlet of warm air. Check all of the electrical outlets and plates for cold air and add more insulation if needed.

4. Check for Carbon Monoxide

Carbon monoxide is regarded by many as a silent killer. The poison is invisible, tasteless, and odorless but has deadly consequences. Carbon monoxide can leak out into your home from any equipment that uses gas or oil. As you start running your heating system regularly, consider having an air quality test to see if there are any potential carbon monoxide leaks.

5. Check Your Generator

In the event of a power outage during the winter, consider adding a backup generator so that you and your loved ones can stay warm despite the blackout. To ensure that your generator is functioning properly, check the oil and change the fuel. If you have a fireplace, check the same for any gaps or exposed walls.

6. Unplug Appliances

If you aren’t using an appliance, be sure to unplug it to save some money on your energy bill. Consider using LED bulbs throughout your home as they make efficient power savers.

How are you protecting your home from winter damage this season? Let us know! Want another great way to protect your home? Secure reliable homeowners insurance that protects you through disasters. Call one of our trusted advisors at Abatelli Group, Inc. We are ready to get you the protection and peace of mind you need.

 

15
Dec

5 Ways to Ensure a Stress-Free Holiday During COVID-19

The holiday season is known for being one of the happiest times of the year. You have the opportunity to relax and spend time with your loved ones. However, for many people, the holiday season can be stressful. Planning a schedule, trying to stick to a budget, and ensuring that everything remains stable can leave you overwhelmed. With the current pandemic situation, the stress levels are bound to escalate, as one is faced with several uncertainties both on the economic and social fronts.

Luckily, there a few things that you can do to manage stress around the holidays. Here are a few ways that you can ensure proper holiday stress management.

1. Keep Track of the Dates

As you start planning your holiday activities, make sure that you mark your calendar. Labeling the important dates will help you plan your celebrations and stay organized. It also allows you to set aside enough time to take care of everything when it’s most convenient. Trying to perform a lot of activities at the last-minute leads to poor holiday stress management.

2. Create a List of Your Major Priorities

Make a list of all the tasks you plan to accomplish throughout the holiday season, as having an organized list will help you manage stress around the holidays. It also enables you to prioritize those activities that are relatively more important while the other less significant ones can wait until later. This way, you can keep your schedule from being overloaded while accomplishing a lot, even within a limited time frame.

3. Focus on the Positives

For many people, the holiday season is a time to be thankful for the good things in their lives. Focusing on the positives will help you maintain the right attitude throughout the festivities. If you are planning to spend time with your loved ones during the holiday season, make sure that you keep a positive attitude at all times. You may disagree with some of your family but instead of holding grudges, learn to let go of the offenses. Though this has been a trying year for everyone because of the pandemic, you can always find something to be thankful for.

4. Take Care of Yourself

The holiday season is often a time to relax and reflect. Amidst all the festive celebrations, you may find it difficult to maintain some of your regular habits. While it is fine to indulge in some treats, try to stick to your health routine as far as possible. Continue working out and eating healthy. If you find yourself being overwhelmed, make adjustments to your schedule as necessary. Eating healthy meals and getting adequate rest, especially during COVID-19, is a great way to keep the stress in check.

5. Give from Your Abundance

Another way to stay in the holiday spirit is to give back. Putting a smile on someone’s face will help you feel better as well. It’s important to keep things in perspective. There is always someone who is dealing with more serious and painful times than you are. Think of the people who have lost a loved one during this difficult pandemic. If you know someone who is feeling low, give them a call or send them the much-needed word of encouragement.
While the holiday season can be overwhelming, you can help make things go smoothly and reduce your stress levels by following the above-mentioned stress management tips. If you’re looking for personal or commercial insurance during this time, call one of our trusted advisors at Abatelli Group, Inc. We are ready to get you the protection and peace of mind you need.

COVID-19 Update

Our office remains open and our staff is working remotely to continue to service our clients. You can reach us at (718) 352-6000 Letter to Policyholders