Blog

  • Can You Be Sued for a Million Dollars?

    YOU DO NOT HAVE TO BE A MILLIONAIRE TO BE SUED FOR A MILLION DOLLARS. If you operate a vehicle and get distracted while driving, you are at risk. If you own a swimming pool and it causes injury to someone while on your property,you are at risk. If you own a boat and injure a water skier while boating, you are at risk. If you host a party with alcohol, you are at risk. Personal umbrella insurance is additional liability insurance. Coverage starts with limits of $1 million and offers coverage wh

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  • Insurance Shopping

    How many of you search for insurance online, hoping to find a “great deal”? Shop Do you discover that it’s confusing and difficult? Working with a Finger Lakes Independent Agent will help you cut through the clutter and find all possible discounts and savings available to you in far less time.  Our agents work for you when you purchase your policy and anytime you need to file a claim.  Contact a Finger Lakes Independent Agent today and get started finding the best available savings for your ins

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  • Commercial Package Policies

    What is a Commercial Package Policy? It’s a type of package policy that bundles coverages together for several things including liability, property, boiler & machinery and other optional coverages. The options available create flexibility that allow a Package to be customized for most kinds of business. When it comes to your business, no matter how careful you are, someone can sue you for matters related to your company’s operations and you could be found legally liable for negligence. Your bus

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  • Tips for Hosting a Safe Super Bowl Party

    The Super Bowl is this Sunday. Many of us are planning parties and inviting family and friends into our homes to enjoy the big event. Party hosts need to understand their responsibilities when inviting people into their homes and serving food and drinks. Before hosting a party for the big game, homeowners/renters may want to consult with their Finger Lakes independent agent to review their policy. You need to be aware that if someone drives drunk or becomes sick after consuming food at your part

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  • The Dangers of Geotagging

    Today everyone who uses social media like Twitter, Facebook, and Instagram is most likely utilizing this technology in some form – whether they realize it or not. When the GPS is linked to a phone’s camera, and you take a photo, your phone will tell you exactly where you were and when you took the photo. You can even pull up the photo on a map—down to the exact street. But, while you are letting friends and families know where you are with your posts, you are also at risk from burglars. They can

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  • Ringing In the New Year!

    If you are planning a New Year’s party, here’s a few safety tips to keep in mind. Although they may seem obvious, statistics suggest far too many get ignored. Serving Alcohol? If drinkers have not prearranged a designated driver, provide one. Or call a cab. Remind guests to monitor their alcohol intake. Encourage drinkers to eat hearty to avoid drinking on an empty stomach. Bring out coffee and a final dessert or snack to let guests wind down before heading home. Provide plenty of alternative

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  • Getting Engaged? Thinking of a Christmas Proposal?

    It doesn’t matter if you’re the one who bought the engagement ring or you’re the one wearing it, you’ll want that sparkler to be insured. A homeowner’s or renter’s policies can be adjusted to include a personal property rider to cover the cost of replacing the ring. Talk to your independent agent for more information. In the name of love—insure that precious ring! It’s easier than you think.

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  • Protect Your Packages...

    You might think that tossing your purchases in the trunk keeps them safe, but this may not be a good choice. Technology is helping crooks with a tool called “scanner boxes” which can override key-less entry systems. Once the thief is inside your car, they can open the trunk, take your gifts and go. Are you being watched? Criminals keep an eye out for shoppers who stash purchases in their cars. You can reduce your theft risk by putting your items in the trunk and then moving your car to a diffe

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