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

Blog Post - Renters InsuranceLandlord InsurancePersonal Insurance

Landlords, Protect Yourselves and Have Your Tenants Purchase Renter’s Insurance

When leasing a house or an apartment to others, I recommended that you have your tenants purchase a renter’s insurance policy. Do not be passive here, no matter how eager you are to find someone to rent your available property. As the house, condo, townhome, multi-family, or apartment building owner, the buck stops with you. You carry the weight of responsibility and are liable for injuries on your property. That is difficult because you rely on your tenant’s (or your tenant’s children’s) judgment to keep you from being exposed. Even the most well-meaning tenant might not be able to prevent…
March 25, 2022
Blog - Hooded Man Posing in the ForestPersonal Insurance

Insurance For Vacant Land

Vacant land insurance is one of the easiest things for an insurance agent to quote, and it’s especially easy when the land is actually vacant. To know when a property is considered vacant, you must first see how an insurance company defines vacancy. Without understanding this specific definition, you could find yourself with an insurance policy that ends up being void when it comes time to file a claim. Vacant Land: A tract or parcel without any structures or improvements. Whether you have an empty lot, acres of woods, or a stretch of water frontage on a unique parcel, they…
March 10, 2022
EPL Insurance in the workplaceBusiness InsuranceEmployment Practices Liability Insurance

#MeToo and EPL Coverage

#MeToo and EPL Coverage   Since the #MeToo movement started in October of 2017, many powerful predators and employers have been brought to justice and been rightfully punished for not only preying on their employees, but for violating laws regarding discrimination and wrongful termination. While this is a great improvement for people in the workplace, some business owners feel they might be at risk for being sued because an employee might file a suit believing they were terminated or not hired based on sex – a clear violation of Title VII of the Civil Rights Act of 1964. In the…
January 10, 2020
Example of a an employee getting injured and needing workers compBusiness InsuranceWorkers Compensation

What does workers comp insurance do?

Question 100 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/zicjRLQFXZI Workers’ Compensation is typically the largest part of a business’s insurance expense. It applies to workers who are injured or become ill due to their job function or environment. It also compensates for lost wages. The wages are replaced up to a certain percentage amount. There is a seven-day waiting period in order to do that. It is not the same as short-term disability. Short-term disability covers for injuries and sicknesses that occur away from one’s employer. Workers’ Compensation also covers unlimited amounts of medical expenses that happen…
November 14, 2017
Personal Insurance

Do Golf Carts require separate insurance?

Question 90 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/Cd1HNR5yAaE Many times certain things that we think would be insured through another policy, often times are not. That is why if you own something like a golf cart and you are using it away from your residence (as most do), that you make sure you have something in place that will step in if you injure someone or damage something while driving the cart. See more info on this topic in this brief video.
November 5, 2017
Business InsuranceGeneral Liability Insurance

How does Completed Products and Operations liability work?

Question 88 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/-c4Lv31AEE4 If you've ever delivered a product back to a customer after you've worked on it, or built something new for them, what would happen if you forgot to tighten the last screw? What if as a result someone was injured? How would that work on your insurance policy? Take a look at this brief video to learn more.
November 2, 2017
Business Insurance

Does a new business have difficulty getting insurance?

Question 87 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/JnMoP7GJV2c When beginning a new business there are many things that an owner must do. Many times the setting up of the insurance plan is an afterthought. However, this is something that should be met with extreme detail and coordination. This is the tool that will ensure your new business stays open. Getting a new policy might not be as difficult as you think.
November 1, 2017
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