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

War Insurance

Are Acts of Terror or War covered on home and auto policies?

By Auto Insurance, Homeowners Insurance

Question 99 in 100 Insurance Questions in 100 Days Video Series! War Insurance? An act of terror. An act of war. They are not the same. One will be insured while the other will not. If you have a homeowners or auto insurance policy or any other sort of insurance policy that protects your property, if an act of war were to occur within the United States causing damage to any of your things, then you would not be covered. Acts of war are not at all included in a home or auto insurance policy. Anything caused via that particular…

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What is Mechanical & Electrical Breakdown Insurance?

By Business Insurance

Question 93 in 100 Insurance Questions in 100 Days Video Series! 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.

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Do Golf Carts require separate insurance?

By Auto Insurance

Question 90 in 100 Insurance Questions in 100 Days Video Series! 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.

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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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Does a new business have difficulty getting insurance?

By Business Insurance

Question 87 in 100 Insurance Questions in 100 Days Video Series! 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.

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Do I need to list non W2 employees on a New York Workers Compensation policy?

By Business Insurance

Question 78 in 100 Insurance Questions in 100 Days Video Series? As a business owner, having to figure out who to put on a workers compensation policy and who not to, is probably not your idea of a good time. I can relate. However, in New York state we have some rules (surprise) and those rules say that if you are paying someone, they’d better be listed. The cleaner of your office, the person you hired for social media, the outside sales person, and more could end up needing to be accounted for. See this brief video explanation for more.

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