We Insure Snowmobiles

Top questions to ask about snowmobile insurance With the crisp winter air, it won't be long before you're able to take your snowmobile out on the trail, if you haven't already. Before you do, you may want to ask your insurance agency some questions about snowmobile insurance coverage. The Southcott
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Save Money on your…

I want to let you in on the knowledge I have accumulated as an insurance professional because I have found time and again my willingness to provide an honest assessment of your needs has been critical in building my business.  You can undoubtedly find cheap insurance on-line!  But, I won’t
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Cyber security Update

Why you Need Cyber-security Insurance On Wednesday, April 18th, 1906 at 5:12am the famous San Francisco earthquake hit. Over the next three days eighty percent of the city was destroyed and over three thousand people lost their lives. Believe it or not, it was not the shaking earth that caused
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Buying a Vacant Home

What to know about buying a vacant home. Why buy a vacant home? One of the biggest perks is being able to make the home whatever you want it to be. You can make it your new home, create a vacation home, rent it out, or fix it up and
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Outdoor Fire Safety

If you are having a bonfire, whether it’s to get rid of garden waste, brush, or part of a celebration, take care. Follow the simple tips below to make sure you, and others, are safe. Building a bonfire Fire can spread easily, so where and how you build your bonfire
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Reduce Your Insurance Costs…Beware…

Many Americans are struggling financially in the current economy, particularly those struck by lay-offs, and are faced with tough decisions about how to reduce expenses. As a result, much has been written in recent months about how to reduce insurance premiums as one aspect of a belt-tightening strategy. Unfortunately, too
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Insuring Classic Cars

I have a soft spot for classic cars. It's probably partially a result of my father who could tinker and fix almost any vehicle.  Now we enjoy celebrating automobiles every time we see a well-maintained vintage ride rolling down the road. There's just something about seeing one that makes me
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Personal Property Protection –…

Congratulations! You just bought an ATV or received a diamond anniversary band. Do you have an art collection or heirloom silverware and china? That’s wonderful, but no matter how much personal property insurance you have on your homeowner’s policy, there are special limits of liability and certain items that are
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Building an Effective Crop…

The key to providing accurate information in a timely manner is good communication. When we call our clients to remind them it is time to collect accurate information, an acreage report, or production report, we understand they do not wake up every morning thinking about their crop insurance agent or
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The Importance of Accurate…

There are two things, very important things, which if you keep in mind & properly execute, will take you 90% of the way to building an effective crop insurance program. Accurate information reported in a timely manner. Understanding unit structure.   Let us start with accurate information. What information and
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What is Employment Practices…

Liability is the state of being liable, or your legal obligation or responsibility to someone. Employment practices are a farm’s or business’s actions as they relate to hiring practices, proper training, providing a safe work environment and dismissal or firing practices. Most farm insurance policies in New York State have
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What is Additional Living…

Additional Living Expense (ALE) is a coverage that may be included with the policy you purchased to insure your home. It applies after a covered loss when your home is considered not fit to live in. Your policy will pay the actual, reasonable, and necessary increase in your living expense
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COVID-19 Financial Stress​

A recent Executive Order issued by Gov. Andrew M. Cuomo set forth the details that insurers must abide by in implementing the premium relief that has been mandated for policyholders financially impacted by COVID-19 pandemic In order to take advantage of these extensions, the insurer or finance company will need
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Watch Out! New Driver…

Sometimes I am amazed at how distracted I can be while driving. Just last week, I asked myself a series of "have you ever" questions: Have you ever arrived at your destination without really paying attention to how you got there because it’s so routine? Have you ever picked up
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Crop Insurance Actual Production…

Why have you been selected for an APH Review? APH Reviews are used as a safety check to ensure that your reported production is correct.  The review is required on all crop insurance claims when the indemnity paid on a single crop goes over $200,000.  Crop Insurance Companies also reserve
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Personal Umbrella Insurance

If you watch television, read the newspaper or listen to the radio, you know that lawsuits are an all too common part of life in America.  People sue each other for all kinds of silly reasons.  Some reasons are not that silly.  Often, people sue and win, and if you
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Tips for Buying Your…

Buying your first home can be a great experience, but for many of our clients it has been…complicated, to say the least. The market in Western New York (where I live) is bursting at the seams with young dreamers hoping to make their first home purchase, but we are not
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Identity Theft

How to protect yourself against identity theft and respond if it happens. Equifax, one of the three major credit reporting agencies in the U.S., announced a data breach that affects 143 million consumers. The hackers accessed Social Security numbers, birthdates, addresses, and driver’s license numbers. Equifax has launched a tool
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Fireplace and Generator Safety…

Things to Know Before You Spark Up the Logs With natural gas and propane prices continuing to rise, you'll likely be looking to the old fireplace this winter to help cut your home-heating bills. But before you spark up the logs, take heed that fireplaces and chimneys are involved in
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Space Heater Safety

Small space heaters are typically used when the main heating system is inadequate or when central heating is too costly to install or operate. In some cases, small space heaters can be less expensive to use if you only want to heat one room or supplement inadequate heating in one
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Winter Storm Safety (continued)

Learn how to stay safe during a blizzard. Each year, hundreds of Americans are injured or killed by exposure to cold, vehicle accidents on wintry roads, and fires caused by the improper use of heaters. Learn what to do to keep your loved ones safe during blizzards and other winter
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Winter Storm Safety (Freezing…

Take immediate precautions if you hear these words on the news: Winter Storm WARNING: Life-threatening, severe winter conditions have begun or will begin within 24 hours. Blizzard WARNING: Sustained winds or frequent gusts of 35 miles per hour or greater, plus considerable falling or blowing snow reducing visibility to less
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New York State requires…

Starting January 1, 2018, New York State mandated that employers must provide all employees paid Family Leave benefits along with their statutory New York State Disability coverage. Traditionally farms were exempt from New York State Disability laws and requirements.  Farms were only required to provide statutory New York State Disability
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The Structure of a…

Federal crop insurance is often misunderstood and people find it somewhat frustrating. They think of it as bureaucracy on top of bureaucracy sprinkled on top with a little more bureaucracy. Now please understand it is insurance, which most people find daunting and it does start with the word "Federal"! Where
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How to File an…

Auto accidents happen all the time and they are scary events.  When you are in an accident, you are overwhelmed and shaken-up even if you are not physically hurt.  Thankfully you’re reading this now and not after an accident.  There is a lot to remember to do, and very little
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9 Ways to Save…

You’ll find that these nine points are very simple ways to save money on your auto insurance: 1. Higher Deductible + Lower Premium The deductible is the amount you pay before the insurance company will pay if you have a claim.  For example, if you have a $500 deductible and
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Personal Auto VS Business…

We are a very mobile society. We drive every day for some reason, work, school, shopping, and vacations. Most families own more than one vehicle. When you add the farm business now, we have multiple vehicles and in some cases very large trucks. Most insurance companies will offer you two
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SAVE on your Property…

1. Higher Deductible = Lower Premium The deductible is what you must pay first before the insurance company will begin paying. A $1,000 deductible means you pay $1,000, and then your insurance will start paying. If the damage costs $5,000, you pay $1,000 and the insurance company pays the rest:
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Homeowners and Property Insurance

Get the coverage you need at the price you can afford. For most people, their home is the most expensive thing they own, and it contains all of their prized possessions. If your home is damaged or destroyed and you don’t have enough insurance, you are not only left out
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Farm Insurance Review! Do…

While reviewing some insurance matters with a very diversified farm client (he grows apples, grain crops and processing vegetables) he turned to me and said “Remember last week when the weather forecast included thunderstorms, high winds and possible hail?  Well in the past I would lie awake all night with
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No Fault; what does…

There is a coverage on your New York State personal Auto insurance called “Personal Injury Protection”, abbreviated P.I P, also known as “No Fault” coverage.           New York State is known as a “No Fault” state.  What that does NOT mean is when we are in a car accident that
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Equipment Breakdown Protection

When is it Excluded? When is it Covered? The Random House College Dictionary defines the word Insurance: The act, system, or business of insuring property, life, etc. against loss or harm in consideration of a payment proportionate to the risk involved.Coverage by contract in which one party agrees to indemnify
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The Importance of Federal…

In 2018 American farmers purchased 1.1 million separate crop insurance policies investing over 3.6 billion dollars in premiums providing production coverage on over 130 crops.Federal Crop Insurance covers over 90 percent of all planted crops in America.Since 2000 American farmers have invested over 54 million dollars of their own hard-earned
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Are you covered if…

On Wednesday, April 18th, 1906 at 5:12am the famous San Francisco earthquake hit. Over the next three days eighty percent of the city was destroyed and over three thousand people lost their lives. Believe it or not, it was not the shaking earth that caused a majority of the property
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Grain Bin Safety week…

Every year farmers, their family members and employees are injured or killed in grain bin entrapments. Grain owners store grain to hedge market price fluctuations as well as to keep their harvest on schedule. Pristine grain management is the key to preventing the need to enter a grain bin.  In
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How Do Deductibles Work?

How Do Deductibles Work? Deductible: that is the amount of money you pay first on any covered property loss before the insurance company pays a claim. You do not have to use the same deductible amount across all property sections of your farmowner’s insurance policy. You could have a smaller
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The Foundation of your…

The Foundation of your Insurance Program A good starting point and foundation for building an insurance program for our farms and families is to understand your farmowners policy. Generally the farmowners policy has four parts, or four sections of coverage protection. A section for our homes, personal property, and other
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What Stinks?

Animal waste, farm pesticides, herbicides and farm fertilizers are a vital practice in many farm operations to sustain their businesses. The need for pollution liability insurance is evident for farms whose business involves the application, transport and storage necessary for farm operations. Many pollution liability policies built in your Farmowner
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The Cold, wet, wet…

Flooding can happen anywhere at any time. If you take a moment and think about all the bazaar weather storms that have happened in the areas of the United States in the past few years you will agree that what was once considered “ NOT possible for a severe, devastating
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Be on the Defense

Defensive –driver courses are offered locally in many areas of Western NY. If you rather take a course in the comfort of your recliner, online courses are now available. Insurance companies will accept a certificate from an approved, defensive- driving course. Check the online site or establishment that is offering
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