Blog Archive

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.

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.