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claims Archives - Page 2 of 4 - Horan Companies | New York Insurance Agency, Baldwinsville, NY

What are loss runs?

By Business Insurance

Question 89 in 100 Insurance Questions in 100 Days Video Series! If you are a business owner, or an employee of one who has the responsibility of handling the insurance, you’ve probably been asked for these before. To see what loss runs are, and why it’s hard to change insurance companies without them, click on this brief video explanation.

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What is off premises utility interruption coverage?

By Business Insurance

Question 75 in 100 Insurance Questions in 100 Days Video Series!   If you are a New York State business owner this is a must. If you were to lose power, or have no water, or be without heat…what would that do to your business? Would your sales suffer? Would you potentially have to cut hours for your staff? I assume that in order to operate you would need those utilities to be running smoothly. Sometimes there is a lengthy outage, and your business insurance policy can be the place to look to see if you might not have to…

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Can I spouse be liable to the other in a car accident?

By Accidents, Auto Insurance, claims

Question #61 in 100 Insurance Questions in 100 Days Video Series! There is a little known limit of coverage that one can add to an auto policy in New York. It is called supplemental spousal liability coverage. It essentially allows a spouse to sue the other spouse for bodily injury they sustain as a result of an at-fault accident committed by the other spouse. Watch this brief video for more information.

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Would a home policy cover me if a hot-air balloon crashed into my house?

By Homeowners Insurance

Question #58 in 100 Insurance Questions in 100 Days Video Series! Now it isn’t often that things like this happen. No insurance company has ever advertised on the platform of random objects falling onto houses. However, that does not mean that it can’t happen. If it should, then going to your New York State home owners insurance policy will show you that you are in-fact insured for falling objects. So, meteors, hot-air balloons, and other random things that should fall from the sky should not make you worry.

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Are certain dogs not allowed?

By Homeowners Insurance

Question 50 in 100 Insurance Questions in 100 Days Video Series On a New York State home or renters insurance policy, you are likely to be asked whether or not you own a dog. Your answer can very much determine if you’ll be moving forward with the policy or not. Many, if not most companies, exclude Pit Bulls, Rottweilers, and Dobermans. Watch this brief video to learn more.

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What is Underinsured Motorists Coverage?

By Auto Insurance

Question 49 in 100 Insurance Questions in 100 Days Video Series Uninsured motorist coverage is one of the least expensive portions of a New York auto insurance policy. It protects you from those driving around our state with very limited liability coverage and no money to go after, If you have not looked at your coverage in a while, now’s a good time. If you’re not sure about this valuable protection, watch this brief video!

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