Blog Archive

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. 

13
Dec

Snow Removal and Your Insurance – Is It Covered?

What New York homeowners should know about snow removal.

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:

  • 7:00 a.m. and 4:49 p.m. – you must clear within four hours
  • 5:00 p.m. and 8:59 p.m. – you must clear within fourteen hours
  • 9:00 p.m. and 6:59 a.m. – you must clear by 11:00 a.m. the next day

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.

6
Dec

How to Avoid the Dangers of Driving on Black Ice

Top tips for driving in bad winter weather.

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.

  • Black ice is more likely to occur at night and in the early mornings when temperatures are low. Keep in mind that the days are usually warmer, but that doesn’t mean the roads will be clear of black ice.
  • Clear the windscreen and lights between setting off so that you can see the roads clearly.
  • When moving off, only a light acceleration is needed. Anything more, you risk skidding and losing control.
  • If you see black ice, move slowly and steadily over it. Keep a straight wheel as turning the wheel could cause you to lose control of your vehicle.
  • Leave as much space as possible between yourself and the vehicle in front. Your stopping distance will increase significantly in wet, snowy, and icy conditions.
  • If you do hit a patch of ice, steer in the same direction as the rear of your car is sliding. Never stamp your foot on the brakes as this could cause your wheels to lock up.
  • Remember that studded tires, snow chains, and a four-wheel drive won’t help. These features can be helpful in heavy snow, but they are virtually useless on black ice.
  • Ensure you have a fully-stocked winter emergency kit in case an accident does occur and you need provisions until help arrives.

Now is the time to review your auto insurance and ensure you have optimum coverage for the winter ahead. To learn more about auto insurancecontact Abatelli Group, Inc. for a quote. We can help you secure reliable Whitestone, NY car insurance coverage!

15
Nov

Thank You and Happy Thanksgiving From the Abatelli Group

Happy Thanksgiving!

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!

18
Oct

Tips to Set Up an Emergency Plan for Small Businesses

How to develop your emergency action plan.

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.

Assess hazards.

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.

Develop procedures.

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.

Include Continuity

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!

4
Oct

How to Keep Your Data Safe for National Cyber Security Awareness Month

Tips to protect your business’s data.

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.

Back Up

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.

Limit Access

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.

Update Software

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.

20
Sep

Your Employee Got Hurt at Work. Now What?

How employers should respond to workplace injuries.

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.

6
Sep

Delicious Chocolate Truffles for International Chocolate Day

Enjoy these easy and delicious chocolate truffles to celebrate Chocolate Day!

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!

Ingredients

  • 1 cup light coconut milk
  • 3 oz. dark chocolate
  • 3 tablespoons coconut oil
  • 1 teaspoon vanilla bean paste, or vanilla extract
  • 1 handful of desiccated coconut
  • 1 handful of mixed nuts, such as pecans, hazelnuts, macadamias
  • 2 tablespoons quality cocoa powder

Instructions

  1. Pour the coconut milk into a small pan over a low heat and heat through.
  2. Snap the chocolate into a bowl, add the coconut oil, then pour over the coconut milk and stir gently to combine – it’s important not to mix too quickly.
  3. Stir in the vanilla, then place in the fridge to set for at least 4 hours.
  4. When the truffle mixture is almost set, toast the desiccated coconut in a dry frying pan over a medium heat for 1 to 2 minutes, or until lightly golden, then tip onto a plate.
  5. Return the pan to the heat, scatter in the nuts and toast for 2 minutes, or until golden. Leave to cool for a few minutes, then finely chop and place onto a second plate.
  6. Spread the cocoa powder over a third plate.
  7. Using a teaspoon, scoop out little balls of the truffle mixture and roll in the palm of your hands, placing them onto a tray as you go. It’s totally up to you how you decorate them – roll the balls in the toasted coconut or chopped nuts, or for a simple finish, roll them in cocoa powder.
  8. Return the decorated truffles to the fridge for around 10 minutes to firm up, then serve.

The team at Abatelli Group, Inc. hope that you enjoy this recipe! For all of your personal and commercial insurance needs in Whitestone, NY, contact us today.

23
Aug

Does Your College Kid Need Insurance?

Finding the right insurance for your studying student.

Fall is rapidly approaching and that means parents are getting their college kids ready for the new semester ahead. You may have already purchased supplies, textbooks, electronics, and fun furniture to deck out their dorm room, but are you forgetting how to protect them best? Insurance coverage looks out for your studying student and finances. Before you send your kid off to college, check out the top insurance coverages they should have. Please open our links in a new tab to continue enjoying our content.

When your college student stays on campus and in the dorms, generally, your homeowners insurance policy will protect the possessions that they take with them. Be sure to ring your insurer to confirm the details, and create an inventory of the items that they take to college. If your student lives off campus, he or she will need renters insurance. This will protect their belongings and offer liability coverage, should any accidents occur.

Is your child taking the car to college? If so, you’ll need to alert the insurer to this fact. The premium is largely determined by the location of the vehicle, so moving it to college, even temporarily, may impact the coverage and rate. If your child is leaving the vehicle at home, let your insurer know. If he or she is attending college more than 100 miles away from home, you may be entitled to a discount.

Umbrella coverage may be one of the last policies you would expect to have to consider for your student, but college opens up new risks. From liability on social media to fraternity pranks, umbrella insurance can help protect your college kid from perils that they may face.

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

9
Aug

What Insurance Do You Need for a Second Home?

Homeowners insurance for a second property.

Owning a second home can be great. Whether it’s a vacation home, apartment in the city or a rental property, an extra home is often a bonus. However, homeowners need to be aware that each of their properties needs reliable and accurate insurance. When it comes to finding quality insurance for protecting your investment, seasonal homes can pose unique challenges you’ll want to consider.

Issues like the following will impact how much you pay to insure a second home, as well as the type of coverage your carrier is willing to provide.

  • Personal Property

You keep your vacation home stocked with a few necessities, whether it’s sun loungers or snowboards. You’ll want to cover as much of your personal property as possible under your vacation home policy. Create a separate home inventory for your second home and update it as you add new belongings or move items out. Knowing the value of your possessions can help you select the right level of personal property coverage on your policy.

  • Home Sharing

It makes financial sense to rent our your property while you are not using it to generate some extra income. However, your insurance carrier may not cover damage while the home is being occupied by anyone other than yourself. Before you list your vacation home for rent, be sure you understand whether or not you’re covered. In some cases, you may need to purchase additional coverage.

  • Additional Cover

When you’re not living in your property, you aren’t there to check up on it often to ensure all is well. For this reason, you may want to purchase additional cover in case something does happen – and it gets quickly out of hand. For example, a flood or earthquake can damage a property within minutes. These two perils are often excluded from standard coverage so be sure to take out separate policies to protect your property.

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