Skip to main content
Tag

legal defense Archives - Horan Companies | New York Insurance Agency, Baldwinsville, NY

Unmarried Couples & Insurance

By Homeowners Insurance, Renter's Insurance

Unmarried & Uninsured? As people continue to delay marriage and cohabitation rates increase, the amount of unmarried partners buying insurance will increase. However, being “unwed” while living together can cost you money or protection from an insurance perspective. When married couples are on the same policy there are more discounts . Not to mention improved tiering, consolidated billing, plus other benefits. This is changing rapidly and now many unmarried couples can buy insurance at a competitive rate compared to married couples. Caution… However, there are some nuances to be aware of especially if you decide to move in with your…

Read More

Will an insurance carrier pay for legal expenses?

By Auto Insurance, Business Insurance, Homeowners Insurance, landlord protection, Renter' Insurance

Question 51 in 100 Insurance Questions in 100 Days Video Series In New York State (like so many others) we face the distinct possibility of being sued. Whether it’s our business or us as people. there is never a shortage of people looking to make a buck (deserved or not). That is why your liability coverage is so critical. Take a look at this video to see why it’s so.

Read More

What’s a Declarations Page??

By Auto Insurance, Business Insurance, Homeowners Insurance, landlord protection, Renter' Insurance, Uncategorized

Question 42 in 100 Insurance Questions in 100 Days Video Series The place to see what you are actually covered for exists on your declarations page. This is where you find out how much protection you have (or don’t have) for liability, property damage, physical damage, medical payments, and so much more. Your New York insurance policy hinges on the information displayed on these pages. If you don’t see a charge for something you hoped would be covered, it probably isn’t.

Read More

Is having a Trampoline a liability risk?

By claims, Homeowners Insurance

Could your Trampoline Bounce you into a Lawsuit? Trampoline injuries and your homeowner’s insurance are joined at the hip. As a homeowner, you might find it tempting to purchase things like a trampoline for your kids to play on. They are a lot of fun and when used correctly are usually pretty harmless. Unfortunately, correct use tends to be forgotten when friends come to play. Should one of those friends get hurt, (regardless of how or why) you, the homeowner, will be left with the financial liability. Consider the short term and long term medical needs, legal fees, pain, and…

Read More

Should a business owner carry sexual harassment insurance?

By Business Insurance, Business Liability

Question 30 in 100 Insurance Questions in 100 Days Video Series. As a business owner, you are subjected to all of the missteps of not just yourself, but your employees and anyone else who set’s 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 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.

Read More

IS there a way to verify that a contractor is currently insured?

By claims, Homeowners Insurance, Uncategorized

Question 18 in 100 Insurance Questions in 100 Days When hiring a contractor, one of the 1st things you should ask is: “Are you insured?” If they say yes, ask for proof (watch the video to see what to ask for). If they say no – well that next step is up to you. Just know that as a property owner, you are liable for what happens in your home. If one of their employees gets hurt, you would be on the hook if an insurance policy was not in force. As the owner of the property you are the…

Read More

Why is Renter’s Insurance Important?

By Renter' Insurance

Question 14 in 100 Insurance Questions in 100 Days Renter’s Insurance is one of the least expensive methods of insuring your belongings while also picking up liability protection. If you rent a home, renter’s insurance should be part of your budget. On average, it starts at about $10/mo. Watch more to learn what else it does.

Read More

Are General Liability and Professional Liability the same thing?

By Business Insurance, Business Liability

Question #8 in 100 Insurance Questions in 100 days! The primary reason for professional liability coverage is that a typical general liability insurance policy will only respond to a bodily injury, property damage, personal injury or advertising injury claim. Other forms of insurance cover employer’s, public and product liability. But various professional services and products can give rise to legal claims without causing any of the specific types of harm covered by such policies. Common claims that professional liability insurance covers are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice.

Read More
Skip to content