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endorsement Archives - Horan Companies - New York Insurance Agency, Baldwinsville, NY

Blog Post - Over-InsuredGeneral Topics

Yes, you can be over-insured.

Ask most insurance agents, and you’ll get the same answer: “You can never have too much insurance” they’ll say. Well, if that were true then we’d all be insuring our chest hair like Tom Jones, or our booties like J-Lo. Tom and Jen aren’t over-insured. You, me, and pretty much everyone you know, would be over-insured with those policies.  Being over-insured doesn’t have to just be about some money-making body part. There are many ways you can become over-insured. These are the policy types that are most often selling you more than you might need:      1. Homeowners Insurance…
February 17, 2022
Business InsuranceCommercial Endorsement

What is Mechanical & Electrical Breakdown Insurance?

Question 93 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/9UcPkHUTw1A Restaurant refrigeration suddenly ceases up and quits overnight due to a power surge. Equipment is damaged, food is spoiled, and you have to close for 3-days.  You've lost income, your staff has lost pay, inventory must be replaced, and the refrigeration needs replacing. Typical business insurance policy...what happens? Watch this brief video explanation to learn more.
November 7, 2017
Business InsuranceCommercial Endorsement

Is there insurance to cover breaking something of my customer’s?

Question 68 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/-Wjoz2GoW9M With something called Voluntary Property Damage protection, you would have insurance for the accidental breakage or destruction of a client's property. However, this is not always a given in the policy and when it is, the limits can be lower than you might like. Watch this video to learn more!
October 13, 2017
Business InsuranceEmployment Practices Liability Insurance

Should a business owner carry sexual harassment insurance?

Question 30 in 100 Insurance Questions in 100 Days Video Series. https://youtu.be/c9wyxU0saZc As a business owner, you are subjected to all of the missteps of not just yourself, but your employees and anyone else who sets foot on your property. Employment Practices Liability Insurance (E.P.L.I.) is a category of coverage you want to rank at the top when putting together your insurance portfolio. See the video and learn how this important coverage can shield your New York business from lawsuits stemming from sexual harassment, wrongful termination, failure to promote, breach of employment contract, and more.
September 5, 2017
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