Personal Umbrella Insurance Explained.

Personal Umbrella Insurance Explained. So many consumers (and some of our clients), make the mis-conception that a personal umbrella policy replaces all other insurance policies. Somehow, the thinking goes that EVERYTHING is now covered by this 1 policy. Noting could Continue reading Personal Umbrella Insurance Explained.

Explain the difference between Insurance Agent and Insurance Broker.

Insurance agents are typically an agent for a particular insurance company. If you imagine a Geico representative, who sells insurance through their own agents, who work directly for that company. Or a State Farm office, who also sells through their Continue reading Explain the difference between Insurance Agent and Insurance Broker.

Auto Insurance Exclusion – Delivery Use of Your New York Car!

Every day, people are getting jobs at pizzeria’s and restaurants, delivering food items to homes. This has the potential to be a huge mistake, as almost all auto insurance policies EXCLUDE using your vehicle for delivering. Since that was not Continue reading Auto Insurance Exclusion – Delivery Use of Your New York Car!

Customer Service in 2013.

Customer Service in 2013. Isn’t it amazing in today’s “social media” world, that many companies still think the Press 2, Press 4, Press 1 answering phones is Customer Service! People want to deal with people, not a machine. This is Continue reading Customer Service in 2013.

Why I hate Progressive Insurance commercials.

Why I hate Progressive Insurance commercials. First, let me say that I sell Progressive insurance as an independent broker, as they sell direct to the consumer and through independent brokers. I don’t like this either but use them sparingly, usually Continue reading Why I hate Progressive Insurance commercials.

The 7 Factors That Impact Your Auto Insurance Rates.

“The 7 Factors That Impact Your Auto Insurance Rates.” A Free White Paper By Tom Larsen, licensed insurance broker There are basically 7 factors that all auto insurance companies use to determine what price you’ll pay for coverage. Despite many Continue reading The 7 Factors That Impact Your Auto Insurance Rates.

You may have a broken auto insurance policy.

“You Too Might Have a Broken Insurance Policy” “True stories about our clients Matt, Byron & Adel, who put their house at risk by not knowing the truth about their complete insurance protection.” Williamsville, NY You hear the squawking ads Continue reading You may have a broken auto insurance policy.