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.
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.
Businesses maintain incredible amounts of confidential, sensitive, and private information about their consumers, clients, and employees. Because of this, they are often targeted by online thieves who are looking to make the most out of valuable information. Cyber attacks on the rise, making it all the more important to increase your business’s cybersecurity. Check out these tips to get started.
Limit the type of personal information that is collected. Whenever possible, a company should try to limit the type of personal information collected to a minimum, while adhering to the law and accomplishing business objectives. Quite simply, the less information you store, the less you have to protect.
Limit access to personal information. Ensure that such personal information cannot be obtained from any and every computer in the workplace. Be sure that when employees leave the company, the passwords on computer systems change. Restrict access to personal information to qualified personnel.
Store personal information on secure computerized systems. Enable firewalls and other high-security settings on network and wireless systems to prevent unauthorized access by employees or third parties. Use encryption technologies to protect data systems.
Train employees on compliance measures. All employees should be trained in the company’s security and privacy policies. A company’s security and privacy policies should also be enforceable by contract on any third-party vendor that manages personal information on behalf of the company.
Secure cyber liability insurance. Cyber liability insurance is designed to address cyber risks. It typically provides protection for costs associated with data breaches and extortion events. The right insurance program also provides access to skilled professionals to manage the event from start until finish.
There’s nothing quite like hitting the open road during the summer on an unforgettable journey. It’s often the start of amazing memories! Before you get caught up in planning your next trip, be sure that you don’t overlook safety on the road this summer. Here are some easy safety precautions you can take to remain safe on your road trip.
Prep your vehicle. Perform regular maintenance like oil changes, tune-ups, battery checks, and tire checks. If you’re not sure where to begin, have a qualified technician inspect your vehicle.
Focus on the road. Avoid distracted driving at all times! Leave your cell phone out of reach when you’re behind the wheel so you’re not tempted to pick it up and scroll through social media.
Pack snacks. Sure, picking up food from a drive-thru may be convenient, but it isn’t often healthy food and multitasking behind the wheel takes your attention off the road. Instead, pack snacks like fresh or dried fruit, bottled water, nuts, and seeds.
Take regular breaks. Fatigue and decreased visibility at night can make it harder to drive safely and respond quickly to sudden changes. When you’re feeling tired, pull over for a quick nap or to grab some coffee.
Keep an emergency kit in your car. Prepare for the unexpected by keeping these items in your trunk:
Check your auto insurance. Your auto insurance coverage should be able to help you if you face accident or disaster on your journey. With quality coverage, you can feel rest assured that you are protected.
Whether you’re finally moving out of your home and into an office or you’re starting a new business fresh, finding the right workplace is imperative. Your surroundings can directly affect how well you work – and therefore, how likely your business is to succeed. Treat a checklist for setting up a small business office as one of the essential tasks in getting your business off the ground.
Any long-term storage for warehousing product or storing archived documents can be done at an inexpensive offsite storage facility. Check that this place has a strong gate with a combination lock for security. For storage in the office, use cabinets and closet space up first. You can maximize your storage space as much as possible by buying storage you can stack as opposed to anything that would take up extra floor space.
Desks, chairs, and tables are all essential office furniture pieces. You can pick up used furniture in your local area or opt for new pieces, depending on your budget. Utilize cabinets as tables to save on buying more furniture, too. For example, place the printer on top of the filing cabinet rather than buying a separate table for it.
You will need a phone system, computer, Wi-Fi, and more to run your business. Look into professional phones that have intercom and more. Computers, screens, and laptops can be found second-hand or bought new and kept throughout the years. Depending on your size and budget, it is a good idea to have good quality systems in place. Additionally, you’ll want to supply your team with notepads, paper, pens, and pencils for any notes or recordkeeping that they may need to do.
A small investment business insurance for your small business can pay huge dividends if an accident happens. For the business insurance your company needs, contact Abatelli Group, Inc. in Whitestone, New York today!
When was the last time you reviewed your auto insurance? When you first got the policy? A year after? Generally, it’s a good idea to review your coverage on a regular basis. Coverage needs can change as the years pass. There is also a good chance that rates have fluctuated since you first bought the policy. Reviewing your coverage and your coverage options help you maintain the right amount of insurance for the right price. For tips on how to get the most out of your coverage, check out how and why you should enhance it.
In most states, there are minimum amounts of coverage needed within an auto insurance policy. If you have opted for the bare minimum to keep your costs down, you may want to think again. Property damage may run much higher than your coverage limit, meaning that you could be left in the lurch if you’re found at-fault for an accident. Along with property damage, medical bills and liability can rack up some high costs – so it’s safer to increase your limits so that you’re well protected from digging into your own pockets.
While you may have adequate insurance if your vehicle is damaged, you can’t predict what coverage the other driver will have – or won’t have. When you’re involved in an accident with another driver who is at fault, you rely on their insurance policy to cover the cost of damages. If they don’t have insurance, or not enough of it, you could be left paying for damages and repairs yourself. Uninsured motorist coverage protects you from this additional cost.
You only find out just how good your home insurance is when you make a claim. That’s when you really find out just how good your insurer is. What you want is an insurer who will handle your claim swiftly and efficiently, and actively look to help you, rather than trying to wiggle out of paying what you are due. But you also have to play your part – by filing your claim correctly. Check out these tips to help you file a claim.
Report any crime to the police. If you are the victim of theft or your home has been vandalized, report it to the police. Get a police report and the names of all law enforcement officers that you speak with as you may need to provide the details of the event to your insurer.
Call your insurance professional. Alert your insurance company to the disaster as soon as possible. Ask if you’re covered, how long you have to file the claim, and if the claim will exceed your deductible. If your loss is lower than your deductible, you probably won’t want to go through the claims filing process.
Have the insurance adjuster inspect the damage. Your insurance company will likely arrange for an adjuster to come and inspect the home. He or she will be able to determine how much the insurance company should pay for the loss by inspecting the damage.
Make temporary repairs. Photograph or videotape the damage and then take reasonable steps to prevent future damage. If possible, avoid throwing out damaged items until the adjuster has visited your home. Save receipts for what you spend as you may be able to submit them to your insurance company for reimbursement.
Prepare a list of damaged articles. Supply the adjuster with a list of damaged or destroyed items, saving a copy for yourself. Having a home inventory will speed this part of the claims process.
Don’t hesitate to ask questions. Always ask your insurer questions if you are unsure!
One of the most important parts of protecting your home is securing a homeowners insurance policy from a professional agency that can help you in the claims process. Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.Top of FormBottom of Form