Asset Protection

14
Nov

4 Ways to Protect Your Business from Fires

Safeguarding Your Business Property from Fires 

Is your business fire safe? Are you confident that you are taking every possible precaution against a fire breaking out? If the worst does happen, is your business ready to cope with it safely and effectively? Failing to take the appropriate steps to prevent and manage fire risk isn’t just a foolish oversite. It is your legal obligation to protect your premiums, workers, and customers from the risk of fire.

Here are four essential steps you should take to safeguard your business from fires:

  1. Create an emergency evacuation plan. Your employees and guests should know how to leave your business at any time by locating the nearest exit, which should be clearly marked and unobstructed. Conduct an evacuation drill at least once a year to ensure that your employees know how to handle an emergency.

 

  1. Install and maintain fire suppression systems. This means installing fire alarms, sprinklers, and ensuring all employees know how to use a fire extinguisher. Regularly check these systems to ensure that they are in good working order.

 

  1. Understand your risk. Conduct a risk assessment to understand what kind your business faces. Keep in mind that electrical equipment is responsible for a high number of fires, so be sure to maintain this equipment, tidy cords away, and allow air to circulate machinery.

 

  1. Review insurance. Your commercial property insurance helps to replace your business’s belongings after they have been destroyed in a fire. Make sure that you have plenty of coverage that protects all of your business equipment, furniture, electronics, inventory, and more.

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!

24
Oct

How to Prepare Your Home for a Safe Halloween

Make this Halloween a safe one with these useful tips.

Plenty of people love a good Halloween scare – as long as no one gets hurt. Even though tricks, spooks, and haunts are welcome on Halloween night, accident and injury are not. To ensure Hallows Eve is a safe night in your home, read on.

Light it up. Party guests and trick-or-treaters will need to be able to clearly see the path to your front door once the sun sets. Ensure that there is ample lighting, especially around steps.

Use LED lights instead of real candles. Fill your jack-o-lanterns with LED lights instead of real candles. An open flame, even if placed safely inside a carved pumpkin, poses a fire risk for children, pets, and adults.

Tighten the railings. If you have stairs on the way to your front door, ensure that the railing is secure. Wobbly or broken porch railings is a trick-or-treating safety hazard as they can cause severe injuries.

Keep the pets inside. Whether you’re hosting a Halloween party or are waiting for trick-or-treaters, Halloween night can upset your pets. Keep them calm by confining them to an area or one room of the house. It only takes one spook for your dog or cat to run out the door when you greet trick-or-treaters.

Clear the curb. Reduce risks to little pedestrians by clearing parked cars from the curb for better visibility and placing a reflective ‘Watch for Children’ sign at the edge of the road. If the street is busy, consider having adults take turns maintaining safety.

These tips can help prevent your home from facing horrors on Halloween night. Another great way to protect your property is to secure reliable homeowners insurance coverage. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.

10
Oct

4 Great Lessons to Learn for Driving Safely in the Dark

Know how to stay safe while driving in the dark.  

The nights are starting to draw in and winter is rapidly approaching. Now, you may find yourself driving to and from work in poor weather and visibility conditions. To help, we’ve rounded up some essential tips for driving safely in the dark.

Pay attention to your lights

Your lights will prove to be your best friends while traveling in darkness. Before you set off, check that all of your lights are working correctly. Remember to check the signal lights and ask a friend to help you check the taillights. Remember to use dipped beams in urban areas. When there are no cars in front of you and there isn’t any oncoming traffic, feel free to use high beams. Remember to turn them back to low beams when other vehicles approach so that you don’t dazzle other drivers.

Keep the windows clean

Enhance your visibility by keeping your car’s windows clean and clear – both inside and out. Failing to do so will make them more prone to steaming up, and the glare from other vehicles on the road will also worsen.

Scan the road ahead

Read the road ahead for signs of oncoming drivers or wildlife activity. Watch out for pedestrians and cyclists, too, that become difficult to spot after dark.

Take breaks

It’s always recommended that you take regular breaks when driving long distances, but this is even more vital when you’re driving overnight.

We hope that these tips help you to drive safely in the dark this season! 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.

19
Sep

3 Preventable Home Insurance Claims

Avoid Common Home Insurance Claims with These Tips

Your home is your castle. While many homeowners think of home insurance claims as only possible from mass-destruction events, such as hurricanes and tornadoes, the most common claims are the ones that homeowners least suspect. Fortunately, many home insurance claims can be entirely preventable. To protect your castle, take a look at these home insurance claims that are preventable.

  • Loose/damaged washing machine hoses

Unfortunately, the nature of the washing machine makes it possible for disasters to occur – alternating water temperatures, shaking machines, and containment in low-traffic areas. To prevent claims, it’s wise to replace plastic hoses at least every three years and inspect them regularly for any damage.

  • Roof damage

Most home insurance policies will offer coverage for roof deterioration caused by unpreventable triggers, such as vandalism or fire. Unfortunately, leaks and pest infestations can weaken a roof and cause more damage in the event of a disaster. Basics roof maintenance, such as gutter cleaning and shingle replacement, is key to a longer life.

  • Cooking/candle fires

Open flame (or gas) is often necessary for cooking, warming, and illuminating the house. Next to water damage, fire devastating is the number one source of homeowners insurance claims. You can prevent fires by taking care in the kitchen, placing candles away from children and pets, and switching to electrical tealights.

Make sure you have a homeowners insurance 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.

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.

14
Feb

3 Signs You Should Consider a New Roof

Consider a new roof when you see these signs.

A commonly overlooked factor of home protection is the roof. Most homeowners are under the misconception that roofs last a lifetime and only need the odd repair. However, this simply isn’t the case. Your roof is constantly exposed to weather conditions and natural disasters. Over time, this takes a toll. Below are just a few common signs that it’s time to replace your roof.

Curled Shingles

The shingles all add up to create a protective barrier for your home. Broken, missing, or damaged shingles could mean that your home’s roof is vulnerable. Buckled shingles can occur because of moisture in the attic space forcing nails to push up and out of the roof’s decking. This can leave your home exposed to outside elements.

Missing Granules

If you notice that there are missing granules on your roof, it could be a sign that it is dramatically losing its weatherproofing properties. Check in the gutters to see if there is granule build up, and you will be able to tell if you should consider roof replacement.

Age

A roof over twenty years old is most likely in need of some repair, if not replacing altogether. Roofs are exposed to the element’s on a daily basis, and all of these conditions will take a toll over time. If your roof is pushing the age of twenty, consider replacing it. 

Bear in mind that roof maintenance and replacement is up to the homeowner. Your homeowners insurance policy will only help to repair or replace the roof if it has been damaged by a covered peril, such as a fire or natural disaster.

Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.

24
Jan

Tips for Parents with New Teen Drivers

Safe driving tips for parents.  

It’s a momentous occasion – Your teen just got their driver’s license! Although you’re incredibly proud of them for completing this milestone, it’s also a nerve-racking time as they take the wheel. After all, the statistics are concerning – motor vehicle crashes continue to be the leading cause of death in the U.S. for 15 to 20-year olds. If your teen has recently received their driver’s license, take a look at these tips.

Set driving boundaries

Discuss driving guidelines and boundaries with your teen before letting them have the keys. Perhaps you don’t want them driving more than 30 minutes away from home, driving at night, or driving their friends – at least until they have built up their confidence behind the wheel.

Explain the consequences

As an adult, you are well aware of the driving risks that motorists face every day. However, your teenager may not understand the consequences of their driving actions. Talk to your teen about how even a moment of distraction can have damaging effects.

Lead by example

Practice safe driving when you’re behind the wheel. Follow the rules of the road, avoid distracted driving, and your teenager is more likely to follow suit.

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

10
Jan

It’s Get Organized Month: Update Your Home Inventory

Easy ways to review and update your home inventory for 2019.

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.

  • Move room by room

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 valuables appraised

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. 

  • Update all copies and store them safely

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. 

8
Nov

Emerging Business Risks Worth Watching (That Aren’t Cyber)

Top Business Risks to Address 

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.

Property Damage

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.

Policy Deficiencies

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.