In Mastic, New York, I have a start-up business, should I buy commercial insurance immediately?

It’s understandable that your funds might be limited, but keep in mind that every business in Mastic, New York needs certain types of commercial insurance protection starting with the following:

* Insurance covering theft
* Fire insurance to cover fire, lightening strikes from storms, and smoke damage, electrical fires, among others
* Liability insurance that covers bodily injury that might happen on your premises
* workers’ compensation insurance for employees
* health insurance

As your independent agent it’s hard to completely advise you without additional specific business information about your business that we don’t have. It’s important that your business is covered and it’s a good idea to contact us so we can obtain more information and make informed suggestions about the various types of insurance, amounts and packages that will effectively cover your needs.

If you take liability as just one example, if you don’t have coverage and someone falls down the stairs and sustains injuries, you are liable. It’s not wise to put yourself in that position, and it’s not fair to your employees, clients, or visitors.

This example comes to minds because we just started working with a new client with offices in a beautiful triplex with two flights of stairs to various levels. Everyone loved the office and with good reason. The insurance was fine except that she didn’t have liability insurance. When we advised her she said that she would attend to it shortly, but that never happened for some reason.

During the summer, she hired a very bright intern and things were going well. The young intern had a habit of running up and down the stairs with open back shoes. One day, she fell half way down the stairs and hurt her back. Fortunately, the girl did not sue, and the woman immediately decided to buy liability insurance.

A hard way to learn a lesson.

My son, while playing catch with a friend, accidentally hit the neighbor’s windshield on his car and broke it. Will my homeowner policy afford coverage for this act in Selden, New York?

If your son accidentally hits the neighbor’s windshield on his car while playing catch in the back yard – your Selden, New York homeowners insurance should cover the damage. Your homeowner’s policy takes care of accidents like breaking a window or damaging the foundation of your home with the lawnmower. You will probably need to ask your neighbor to submit 2-3 quotes to repair the damage and then make a claim with your homeowner’s policy.

An independent agent will be able to analyze your plan and make sure you are covered for these types of incidents. Accidents happen all the time, especially if you have children. You will want to look over your current home policy and make sure you have enough coverage and that you’re deductible is not too high. Our independent agent can compare quotes and rates with several different companies to find a plan that will fit into your budget.

Don’t make the kids stay inside just because you are worried about a possible accident while they are playing ball in the yard. Although your children shouldn’t intentionally throw things at your neighbor’s vehicle, if a ball accidentally breaks the window, you should be covered. Insurance is meant to protect you from spending a lot of money out of pocket. You will want to make sure your deductible is reasonable and won’t cost more than the cost of fixing the windshield. Speak with one of our agents today and you may be able to save money on your homeowner’s insurance plan.

Can I use my parents’ auto insurance policy to cover a car that’s in my name in Mastic, New York?

Under certain circumstances you can use your parents’ auto insurance to cover a car that’s in your name in Mastic, New York. If you are still living at home and the car is garaged at the same residence, you should be able to continue coverage under your parents’ auto insurance. You will want to make sure you add the vehicle to make sure it is covered and you should probably also speak with an independent agent about any other requirements.

Car insurance usually covers the drivers on the policy and the vehicles listed determine how much coverage you need. If you drive the family vehicles or if your parents drive your car occasionally, you should all be covered by the auto plan. The most important aspect is that you are listed as a driver on your parents’ policy and your vehicle is also listed. Our independent agent in Mastic, New York can help you determine if you have the right amount of coverage for your situation.

An independent agent can compare rates and quotes from different companies to make sure you and your parents are not paying too much for your insurance policy. Often you will qualify for a multi-car discount and other savings when you use the same company for several policies. You should always check your automobile insurance plan coverage at least once or twice a year to make sure you have the protection you need. Before you purchase a new policy or cancel a current policy, talk to one of our independent agents and get a rate quote. Just give us a call today for answers about all of your insurance needs.

Under certain circumstances you can use your parents’ auto insurance to cover a car that’s in your name in Mastic, New York. If you are still living at home and the car is garaged at the same residence, you should be able to continue coverage under your parents’ auto insurance. You will want to make sure you add the vehicle to make sure it is covered and you should probably also speak with an independent agent about any other requirements.

Car insurance usually covers the drivers on the policy and the vehicles listed determine how much coverage you need. If you drive the family vehicles or if your parents drive your car occasionally, you should all be covered by the auto plan. The most important aspect is that you are listed as a driver on your parents’ policy and your vehicle is also listed. Our independent agent in Mastic, New York can help you determine if you have the right amount of coverage for your situation.

An independent agent can compare rates and quotes from different companies to make sure you and your parents are not paying too much for your insurance policy. Often you will qualify for a multi-car discount and other savings when you use the same company for several policies. You should always check your automobile insurance plan coverage at least once or twice a year to make sure you have the protection you need. Before you purchase a new policy or cancel a current policy, talk to one of our independent agents and get a rate quote. Just give us a call today for answers about all of your insurance needs.

What does my XL Brokerage auto insurance policy cover if personal items are stolen from my vehicle in Selden, New York?

In most cases, your auto insurance policy won’t cover stolen personal items in Selden, New York or anywhere else in the nation. However, you should check your auto insurance policy language and contact your independent agent to learn if any personal items are covered.

Since your car insurance covers your vehicle and named drivers, there is seldom coverage for stolen personal property. Most often, your homeowners or renters policy covers your personal property. If your car stereo or NAV system is stolen, your auto insurance may cover this loss, however.

While it’s always a good plan to lock your vehicle when you leave it unattended, whether it’s locked or not, you’ll probably not be covered for stolen personal property by your auto policy. It is your homeowner’s policy that may protect you, unless you have a separate "theft rider" for your vehicle insurance. You should be sure your homeowner’s policy will cover your iPod, diamond ring or smartphone, if you leave them in your car.

Don’t forget about your auto or homeowners policy deductible. For example, if your iPhone is stolen and cost you around $500 to buy, when your auto or home deductible is also $500, it makes little sense to submit a claim. However, should an $8,000 diamond ring be stolen (why did you leave it in your car, anyway?), your $500 deductible will not hinder replacement of this valuable item.

Be aware that when an insurance company receives a claim for stolen valuables from a vehicle, they first may investigate for fraud. They do not doubt you personally, but, like the diamond ring example, the company may question the probability that such a valuable item would be left in an unattended vehicle. In this case, the question of an unlocked auto, with a valuable item inside, may become important to approving or denying your claim.

In all cases, before a theft occurs, contact us, your independent agent, to learn what is or is not covered. We will help you understand the protection you have and offer advice on how to increase your coverage. If your independent agent is XL Brokerage in Selden, New York, is comfortable that we’ve been helping your neighbors insure their valuable property for over 25 years.