Lower Gas Prices – Higher Insurance Rates

There’s a lot LESS stress driving up to the pump these days with lower gas prices. However, other increases in other areas are creeping up and taking money out of your wallet. Increasing insurance rates are creeping up caused by a number of possibilities. While we are...

The Rage on Road Rage

Have you honked your horn while driving because another driver annoyed you? If you answered “No”, please email me, I want to meet you! It’s tougher to drive these days, if you let the anger control you. There are more pressures to get from Point-A to Point-B. There...

What You Should Know About Snow

We're in the insurance business. That’s a euphemism for being a Party-Pooper. Since insurance is all I've ever known, I’m THAT girl at the party noticing handrails lining the stairwell, decks needing repair or gas grills that are too close to the house. When not...

Stop Making Excuses

"If you really want to do something, you'll find a way. If you don't, you'll find an excuse." ~ Jim Rohn It's easy to think that excuses will excuse us. But who are we really kidding? Excuses are a veil.  When we're embarrassed to admit honestly to our fault, we hide...

Venting on Renting

Ho Ho Ho. 'Tis the season for holiday decorations, gifts, travel and...the cost for rental car insurance. You’d probably like to spend a little extra money on gifts for family and friends and travel to see them vs. extra insurance on rental...

Laboring Over Labor Laws

There are a lot of great things about New York, the Empire State. One thing NOT so great, and our many contractor clients would agree, is the cost of the Commercial General Liability insurance for New York based contractors.  One such contractor, an excavation...

The Fear of Facebook

Fear is an interesting emotion. It helps protect us against an imposing threat. Sometimes, our bodies translate experiences that trigger fight or flight, such as jumping out of a *%$@# airplane. However, fear can be misplaced, such as being late for an important...

Your Brain

The brain is a muscle. And just like any other muscle, as the cliché goes, if you don't use it, you lose it. Exercise not only keeps your body in shape but your brain sharp. Exercise increases your heart rate, which pumps more oxygen to the...

The Buyout Blues

Dear Fellow Family Business Owner: This is a personal experience I wish to share. Please bear with me. This may be brutal at times, and it will definitely be very, very, personal. We do not come into this world with an innate ability to defy our parents’ orders. We...

Distracted Driving Awareness Month

7April is Distracted Driving Awareness Month. Mobile devices have become a tool to maintain communication and access information. However, the key word is mobile. Handheld technology has created dangerous situations. One thinks mostly of...

“Bailando con Doctores”

¿Cuál es la diferencia entre el paracaidismo y el baile de salón? Uno NO es tan aterrador como el otro. Adivina cuál. PISTA: NO es el paracaidismo! Saltar de un avión era un gran quehacer de mi lista de cosas por hacer, tan grande que lo hice dos veces. Me encantó la...

Si tú lo construyes…

Construirías o comprarías una casa sin techo? Si se comprase un coche nuevo y no estuviese obligado, por ley, a tener un seguro, ¿lo compraría igualmente sabiendo cuánto vale su coche? El seguro de responsabilidad Profesional, también conocido como Errores y Omisiones...

Tu Cerebro

El cerebro es un músculo. Y al igual que cualquier otro músculo, como dice el cliché, si no lo usas, lo pierdes. El ejercicio no sólo mantiene tu cuerpo en forma, sino tu cerebro agudo. El ejercicio aumenta el ritmo cardíaco, que bombea más oxígeno al cerebro. También...

Mes de la Educación Financiera

Abril es Mes de la Educación Financiera. No me refiero a ser un purista acerca de esto, pero tengo que ser yo misma, así que permitirme escribir esto en voz alta, cada mes debería ser el Mes de la Educación Financiera. Es decir, a menos que usted tenga una gran...

Financial Literacy Month

April is Financial Literacy Month. I don’t mean to be a stickler about this, but I gotta be me, so let me type this out loud, every month should be Financial Literacy Month. That is, unless you’re independently wealthy and can pay someone else to worry about your...

El 411 en el 911: cuando un accidente sucede

Nunca oí a nadie decir: he tenido un "a propósito"! Es por eso que se llaman accidentes, y que suceden. Recibí una llamada de un cliente que reveló que su hijo adolescente ahora con licencia tuvo su primer accidente. Él no había sido añadido a la póliza. Esta no era...

Tu Crédito Importa

No podemos expresar lo importante que es mantener un alto puntaje de crédito. Abre puertas, no sólo para prestar oportunidades, pero también ahorro de costes. Las compañías de seguros obtienen una "calificación de seguro", basada en su puntaje de crédito. Es parte del...

La rotura de tuberías puede llevar a la Quiebra

Recibimos una llamada de última hora de nuestro inquilina que no tenía agua caliente. Pensamos: " No hay problema, ella no va a necesitar para ducharse tan tarde. Nos encargaremos de esto por la mañana". Y yo estaba segura de que el fontanero se haría cargo de todo....

Porque los Seguros son “Caros”?

Gracias a una reciente encuesta que realizamos, esta nos reveló la preocupación de que la gente tiene acerca de por qué el seguro parece tan caro. Queríamos tomarnos un momento para abordar esta cuestión. Hay varias variables que afectan a cómo se obtiene una prima....

Pipe Bursts can be a Bust

We got a late night call from our tenant that she had no hot water.  I'm thinking, "Pilot light went out. No problem. She won't need to shower this late. We'll deal with it in the morning." I was confident that the plumber would take care of everything. Not so fast....

If You Build it…

Would you build or buy a house without a roof? If you bought a new car and weren’t required by law to carry insurance, would you still buy insurance knowing how much your car is worth? Professional Liability, also known as Errors & Omissions or Malpractice Insurance,...

Your Credit Matters

We cannot express how critical it is to maintain a high credit score. It opens doors for not only lending opportunities but also cost-saving opportunities. Insurance companies derive an “insurance score” based on your credit score. It’s part of the process. Period....

“Dancing with the Doctors”

What’s the difference between skydiving and ballroom dancing? One is NOT as terrifying as the other. Guess which one. HINT: It was NOT the skydiving! Jumping out of a plane was such a big bucket list item, that I did it twice. I loved the adrenaline, the thrill, the...

Hard Market is Not Easy

There’s good news and there’s bad news. The good news is, it’s not your imagination. Because the bad news is, the insurance industry is a shit show, right now. Did I just type that out loud? You bet I did. Why? Well, the bottom line…is…the bottom line. An insurance...

To Bounce or Not To Bounce

Trampolines are supposed to be fun. That is, until someone gets hurt. Then who pays? Insurance companies are in the business of issuing policies to pay claims. It’s called a promise to pay as long as you pay your premium. When a peril is excluded, it’s because the...

Why is Insurance “Expensive”?

Thanks to a recent survey we conducted, we uncovered a concern that people have on why insurance seems so expensive. We wanted to take a moment to address this. There are several variables that affect how a premium is derived. However, there has been extra hype over...

Protect Your Business In Three Easy Steps

A business is only as safe as the tools it uses. One of the best tools a business can use to protect its assets is commercial auto insurance. Understanding insurance can be tricky. One of the first steps toward making an informed decision is to understand coverage and...

The 411 on a 911: When an accident happens

You never heard anyone say I had an “On Purpose”!! That’s why they’re called accidents, and they happen. I received a call from a client that disclosed that her now licensed teenage son had his first accident. He had not been added to the policy. This was not the...

4 Ways to Make the Claim-Filing Process Easier

Written by Linda Rey for Equifax Sometimes the hardest part of the insurance business is the waiting game. You file a claim, and then you receive a check to cover your claim—right? Anyone who has filed an insurance claim knows it’s not always so easy. You can do...

5 Mistakes My Customers Make with Their Insurance

Written by Linda Rey for Equifax Mistakes happen. The benefit of mistakes is the ability to learn from them. It may be cliché, but the fastest way to save money on your insurance is to stop making the mistakes I see so many of our clients making. Insurance Mistake #1:...

Insuring a Home Office

Written by Linda Rey for Equifax Over my twenty-five years in the insurance business, I’ve not only become an expert in the ins and outs of insurance coverage, but I’ve also learned a thing or two about being a business owner. As an independent insurance office, Rey...

Umbrella Insurance: The FAQs

Written by Linda Rey for Equifax An umbrella isn’t just for rain. We live in an extremely litigious society. Every day, judgments are won, settlements are awarded, and new precedents are set. My company was working with an affluent client who had relocated from a...

Business Insurance Can Help Your Business Grow

Written by Linda Rey for Equifax We hear stories on the news every day about more layoffs and unemployment claims. Right now, more Americans have been unemployed for twenty-seven weeks or longer than has ever been recorded. More than 65 percent of families have been...

Seven Ways to Save on Auto Insurance

Written by Linda Rey for Equifax Economy got you down? You’re not alone. But here’s the good news: you may be able to save some cash on your car insurance. When insurance companies consider your application for auto insurance or a request to lower your premiums, they...

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