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liability Archives - Page 2 of 3 - Horan Companies | New York Insurance Agency, Baldwinsville, NY

How does Fire Legal work?

By Business Insurance, Business Liability

Question 57 in 100 Insurance Questions in 100 Days Video Series. As a business when you rent space, you are liable for what damage occurs within it. However, the portion of your policy that covers general liability excludes damage done to your specific space. The fire legal section of your policy is what covers your liability to the building owner. Without it, or without enough, you’d be on your own for the cost of damages to your space. Watch this brief explanation for more.

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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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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.

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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…

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How does an umbrella policy work?

By Auto Insurance, Homeowners Insurance

Question 33 in 100 Insurance Questions in 100 Days Video Series In New York State, motorists and homeowners continue to find themselves in the middle of liability suits. The numbers of frivolous lawsuits continue to pile-up causing more and more New Yorkers to have to find counsel to defend themselves. We’re missing time from work, digging into savings (if there is any) and spending time feeling nothing short of stress. However, those of with an umbrella insurance policy find these otherwise painful situations to be less burdensome. Watch the short video to learn more.

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New York Defensive Driver Course; is it worth it?

By Auto Insurance, Discounts, Rates Prices

Question 32 in 100 Insurance Questions in 100 Days Video Series When deciding whether or not to take the defensive driver course in New York State when trying to save extra money on your auto insurance. You’d be wise to consider the information in this short video. It’s not all that it seems and you could be doing yourself a disservice if your savings is MORE than it is supposed to be.

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