Blog Archive

11
Jul

The Basics of Commercial Property Insurance Policies

What you should know about commercial property insurance.  

Your business has a lot of physical assets: your building and its contents. These pieces of property can be damaged, which is why it’s important to protect them. A commercial property insurance policy is designed to cover buildings and personal property owned by your business. While unexpected accidents and events can happen at any time, such as storms, fires, and other major setbacks, with business property insurance, you’ve got support and financial assistance to help you recover quickly.

How commercial property coverage works

Commercial property insurance coverage varies, but they are typically classified by the type of event leading to a loss, and by what things are insured. Basic property insurance usually covers losses caused by fires or explosions, theft, vandalism, and damage from vehicles and riots. You can purchase additional coverage that protects your property against mass-destruction events such as earthquakes and floods.

Commercial property insurance is designed to cover your building and outdoor items on the premises as well as key items inside such as office equipment and inventory.

Take an inventory

Before you decide to take out commercial property insurance, it’s wise to take an inventory of your business. This helps you determine what property you want to insure, what its replacement value would be, and if it’s worth insuring. The property you might insure could include:

  • The building that houses your business
  • All office equipment (computers, phone systems, furniture, etc.)
  • Accounting records and important company documents
  • Manufacturing or processing equipment
  • Inventory kept in stock
  • Fence and landscaping
  • Signs and satellite dishes

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!

9
May

3 Ways to Make Your Business Stand Out

Proven ways to make your business stand out from competitors.  

In many ways, it’s easier than ever to start up your own business but it’s becoming increasingly difficult to stand apart from the crowd. But it’s not impossible. Take a look at these tips on how to help your business to gain valuable visibility.

  • Create a dream team

We need a team of employees around us to help set up the business, achieve goals, and reach new heights. Take the time to hire the right people for your business who match your business’s culture and values. This dream team can be difficult to construct but get it right and you be able to take on the world.

  • Go digital

A lot of businesses make the mistake of thinking that what they do or sell won’t translate online. They couldn’t be more wrong. It’s time to make what you do or sell visible online because that’s where your audience is. Leverage social media and your website to reach more people.

  • Focus on customers

Your customers drive your business so it’s important not to lose sight of them and their needs. Be sure to address customer pain points and take on feedback so that your products and services adequately suit your audience.

For the right commercial 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!

18
Apr

Tips to Make Your Business More Efficient

Making your business more productive. 

Every business owner knows that making their business more efficient will save them time and money. This is often taken to mean cutting costs, but this can result in low quality work and services. With so many companies fighting for their slice of the market share, there is simply no room for those which do not streamline their business processes. This is particularly true for small to medium-sized businesses, which operate with limited resources in contrast to their larger counterparts. To help make your business more efficient, read on.

  • Use your time more effectively

In a nutshell, time is money – or the potential for money. The more time you waste on inefficient activities, the less free time you have to spend doing productive activities that will help your business grow. For a week or so, ask your employees to track their time – and track yours, too. Here, you will able to figure out which processes are taking longer than necessary and allow you to streamline processes to save previous minutes.

  • Facilitate teamwork

Messages and information between employees can now be passed around in a simple and organized manner, allowing employees to work more efficiently as a team. Talk to your team and ask them how they think they could improve on their practices to be more efficient and you may get some innovative ideas.

  • Minimize unproductive travel time

Time lost due to travel is a concern for many businesses. You can make the most of technology by allowing employees to work remotely, access documents in the cloud from anywhere, and route calls to employees’ phones so that operations can continue working even when they are out of the office.

Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business’s livelihood. With reliable commercial insurance, we can help your business’s future. Contact us today to get started.

11
Apr

5 Ways to Get Your Home Ready for Spring

Prep your home for the brighter days ahead.

Spring cleaning season is here, and it’s time to fling open the windows and get your home sparkling again. All those little cleaning and maintenance tasks are demanding your attention. Apart from regular cleaning and repairs, you need to make sure your property is ready for the spring season. Here are a few tips to get your home spick and span.

Clear the clutter

The first step to spring cleaning is to declutter. Get rid of any unloved clothing and furniture you’ve never used. Sort out items into piles which you need to throw away, donate, repair, and keep. Not only will you find things you haven’t used for months, but you can reduce the clutter in your home.

Deep clean

Giving your home a deep clean is essential if you’re serious about getting your home spruced up. Clean your home room by room so that the rest of the house is free to use. Don’t forget to clean those hard-to-reach places, such as inside the oven, the bookcase, and behind furniture.

Trim broken tree limbs

Cold winter storms and snow can leave your yard full of broken branches and twigs. That doesn’t mean you’re off the hook when it comes to pruning. Bad snaps do serious damage, so be sure to find weak and dying branches and remove them effectively.

Tend to the gutters

Winter can take a toll on gutters, and putting off cleaning and repairs can lead to bigger headaches once the snow melts and spring rains come. Make sure to clean out the gutters, removing dirt and debris, and fix any weak spots in the gutter or downspout.

Get into the habit

Now that you’ve conducted your spring clean and maintenance tasks, get into the habit of regularly tending to your property to ensure it is in good condition.

Make sure you have a policy 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.

21
Mar

Do I Need Commercial Insurance If My Business Has No Inventory?

Should you get commercial insurance if you have no inventory?

If you own a service-based business such as a hair salon or air conditioner repair shop, then it is likely that you don’t have a lot of inventory to worry about. In fact, many business owners of service-based businesses assume that there is no reason to hold commercial insurance because they have no inventory that would need to be replaced in the event of a disaster. The truth is, commercial insurance is for every type of business.

Commercial insurance policies cover a lot more than just your inventory. They work to cover your equipment, vehicles, tools, liability, and provide protection in the event of a lawsuit. For a service-dominant business, that means a policy can protect everything you need to stay in business.

Even if your business doesn’t have much in the way of merchandise, there’s a good chance that you have valuable tools or equipment to do your job. If your business was victim to theft or natural disaster, it’s possible that you’d lose all of these things. In turn, this may mean your business would be forced to close its doors.

Commercial insurance can also include coverage for the structures and real estate that your business owns. Storage building, storefronts, and manufacturing facilities can be covered under a commercial property insurance policy.

For the right commercial 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!

7
Mar

How to Prevent Water Damage From Appliances

Safeguard your property and appliances from water damage with these tips.

Believe it or not, but appliances in the household are one of the main sources of water damage to homes. That’s right, it’s not rain coming in through a window or a faucet that’s been left on. Washing machines, fridges, and hot water heaters are major culprits when it comes to causing havoc in the home. Take action and prevent water damage in the home from appliances with these tips.

  • Check for leaks often. Thoroughly check the area around appliances for any signs of leaking every couple of months.
  • Check supply hoses. Check the supply hoses regularly to ensure a tight connection and that there are no breaks or tears. It’s a good idea to replace supply hoses for washing machines and dishwashers every five years, even if there are no signs of wear.
  • Flush out your water heater. Every year, flush your water heater to remove sediment and ensure that it uses fresh water.
  • Supervise running appliances. Try to only operate washing machines and dishwashers when someone is at home.
  • Service machines as necessary. It’s a good idea to call out a professional to service your machines and appliances every couple of years. If the machines are nearing the end of their life expectancy, consider replacing it before it leaks or bursts.

Sometimes, not all losses can be prevented. However, following these tips should lower your chances of a leak in the home. Make sure that you know where your water shut-off valve is located so that you can quickly turn off the water to minimize damage.

Homeowners insurance can help if the worst does happen. Make sure you have a policy 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. 

21
Feb

Where Your Business Property Is and Isn’t Covered

Understand how to better protect your business’s property.  

Compared to all the other insurance policies, picking a commercial property insurance policy may seem like the easiest one. The premium is worth the peace of mind that your business’s property is protected. However, it is important to look closely at the policy you choose because you may find you have left your business vulnerable.

Your commercial insurance policy is designed to keep your building, furniture, equipment, and electronics protected. If a peril happens, such as theft or a fire, your insurance can step in to cover the costs of repairing and replacing your property. Keep in mind, however, that every policy has its limits.

Statistically, businesses are affected most often by the following claims:

  • Burglary and theft
  • Water and freezing damage
  • Wind and hail damage
  • Fire

Your business insurance typically covers the above claims. However, these are not the most costly claims. Vehicle accidents are a common and expensive claim among businesses. However, property insurance cannot cover your business’s cars. For your journey and business vehicles to be protected, you must acquire a commercial auto insurance policy. Keep in mind that your property insurance may not cover all of your business’s property.

Commercial property insurance also does not typically cover the following:

  • Commercial vehicles
  • Property damage resulting from employee error
  • Property that was not purchased for the business
  • Personal assets that may be used by the business
  • Property intentionally damaged by the business owner or employees

Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business’ property. With reliable commercial insurance, we can help your business’s livelihood. Contact us today to get started.

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. 

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.