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Tag Archives: New York

Driving Safely on Thanksgiving

The holiday season is quickly approaching. Malls are filled with garlands and sky-high Christmas trees and everyone is the Christmas spirit. However, there is the case of the crowded roads and the higher chance of accidents during this time of year. It’s important that you stay protected with New York Automobile Insurance. In an article in West Bend, they explain a few tips for staying safe on the roads during Thanksgiving and the rest of the holidays. Try to take off work early. Typically, Wednesday’s and Sunday’s are the busiest days to travel during Thanksgiving. If you have extra vacation days, try to use them to start your holiday travels early. Avoid traffic by leaving Monday or Tuesday and coming back Saturday. If you’re in the situation where you have to travel during peak times, then consider taking other routes to your destination. Try to avoid traffic by picking the scenic route. Make sure to have your phone fully charged before charging. If not, bring your charging cables with you. All of us use maps on our phones, so it’s essential that your smartphones are charged. If you’re delayed because of traffic, make sure to have distractions ready for you. Pack snacks and water and it’s a known fact that a full stomach equals happy people! When you know you’re taking a long road trip, get plenty of rest before. Take breaks while traveling because it helps you stay awake. At AJ Benet, we make sure that your New York Automobile Insurance includes more than the simple general liability and product liability. Our policies extend in cases where you underlying limits are exhausted. Our team of experts is willing to go the extra mile and not only protect your business but understand it. For more information, call us today at 888.639.4560.

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Securing Your Boat During a Hurricane

Whether you’re near the eye of the storm or not, understanding how to secure your boat in the event of a hurricane is imperative. Make sure you stay protected with a New York Boat Insurance policy and ensure your investment is hurricane-ready. According to an article in Boating, here are a few tips to protect your boat from a hurricane. Staying afloat is essential. A storm-engineered floating dock system can survive category 4 hurricanes. Make sure you are in protected waters because you never know when mild rains can turn canals into rivers. Consider hurricane-rated dry storage facilities and other boatyards that will offer contracts to store your boats during the storm season. Make sure you to anticipate at least one cleat because piling or line will fall. Give each line a mate running in the same direction but attach them to different places on the boat and the dock. Set your anchor across the marina and pull the rode right with the windlass. Consider renting a trailer out or an empty warehouse big enough for your boats. This can save you money in damage from debris and other more serious damages. Get the boat close to a strong building and avoid trees, power poles and construction sites. Place blocks beneath the trailer frame and deflate tires. Avoid open anchorages because of hurricane holes. If you’re using a fixed lift, lower it two feet and tie the boat as if it were on a slip, then raise the lift and put tension on the lines. Secure boat on the lift. At AJ Benet, we make sure that your New York Boat Insurance policy includes more than the simple general liability and product liability. Our policies extend to all types of boat owners and covers injury, harm or damage. Our team of experts are willing to go the extra mile and not only protect your boat, but understand it. For more information, call us today at 888.639.4560.

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Is Your Small Business Hurricane Ready?

It’s essential that your Small Business is hurricane ready. According to an article in Hurricane Safety, forty percent of small businesses that close as a result of hurricane damage do not reopen. To avoid becoming this statistic, stay protected with New York Small Business Insurance policy. By following the Business Survival Plan, enforce an emergency plan in the event of a disaster. Protect your property. This includes investing and installing shutters to protect windows and doors, having the roof of your building be evaluated, and removing branches and trees that could potentially fall and damage it. Furthermore, make sure to sandbag an area that is prone to flooding and anchor any large furniture to wall studs. In addition, you should relocate any valuable or fragile possessions. Keep important documents and information safe. Some of this documentation is crucial for your business operation and must be safe. Make sure to have back-ups in case of a disaster. Seal all documents in waterproof containers and save all your other documents in an alternate location. Have a preparedness checklist ready to go. Below are just a few items that you should keep in one location at your place of work in case a storm hits. Battery operated radio or television Non-perishable three-day food supply for you and your employees Three-day supply of water for you and your employees (One gallon of water per person, per day) Coolers and containers for water and washing Blankets, pillows, cots, and chairs First Aid Kit and first aid manual Flashlights, batteries, light-sticks Tool kit (basic tools, gloves, etc.) Camera and film for documenting damages At AJ Benet, we make sure that your New York Small Business Insurance Policy includes more than the simple general liability and product liability. Our policies extend in cases where you underlying limits are exhausted. Our team of experts is willing to go the extra mile and not only protect your business but understand it. For more information, call us today at 888.639.4560.

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The Business Risks of Augmented Reality

Pokemon Go, the new augmented reality game, has taken the world by storm. Due to the widespread popularity of this game, many businesses have begun to incorporate this game in to their marketing strategies. While offering incentives seems like a proactive step toward engaging new customers, there are certain cyber and injury risks to identify if you have employees who are active users of this app. It’s imperative that your small business recognizes the risks that augmented reality games present. Even more important is ensuring your business is protected with a New York Business Insurance policy. According to an article in Marsh, employees should think twice about bringing Pokemon Go to work. As a business owner, you should look for ways to minimize claims. One way to do this is by making safety a priority. Implementing a safety control program will help not only educate your staff on common risks, but also provide a platform for discussing common augmented reality risks. Augmented reality games can leave your business vulnerable to cyber crime. Hackers have created  knock off games to implement malware into smart devices.  If a smart device is provided by the company, then all the data is at risk for exposure. Ensure that your employees are separating their work and personal phones to avoid data privacy risks. Educate staff on how this could  At AJ Benet Inc. Insurance Agency, we make sure that your New York Business Insurance policy includes more than the simple general liability and product liability. Our policies extend in cases where you underlying limits are exhausted. Our team of experts are willing to go the extra mile and not only protect your business but understand it. For more information, call us today at 888.639.4560.

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Going Beyond Your Automobile Policy

Protecting your vehicle with a New York Auto Insurance Policy is a top priority. However, what if you find yourself in a situation where your auto coverage is not enough? What happens if the limit fails to fully cover the other driver’s needs? The purpose of your umbrella policy is to protect your assets from an unforeseen event. In the event of a lawsuit, your umbrella coverage will pay for the damages you’re responsible for up to the policy limit. For example, if you’re at fault in a car accident, your automobile insurance will cover the other driver up to the limit you selected. According to an article in Nerdwallet, you might need umbrella liability insurance if you own property or have a lot of money in the bank. The best way to decide if you need umbrella insurance is by determining your net worth. If your net worth exceeds the amount of liability insurance you can purchase for your home or  vehicle, then consider the umbrella policy. For example, most insurers won’t sell you umbrella policy unless you have $250,000 worth of liability coverage on your car and $300,000 on your home. At AJ Benet, we make sure that your Umbrella Liability insurance includes more than the simple general liability, auto liability, and product liability. Our policies extend in cases where you underlying limits are exhausted. This provides protection from personal injury, liquor law, contractual and vehicle. Umbrella insurance policies also provide coverage for risks that might not be included in your primary commercial liability insurance policies. For more information, call us today at 888.639.4560.

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Virtual Reality: A Risk Management Tool?

As technology continues to evolve for the better, industries are using it to their benefit. The newest craze is the idea of using the virtual reality seen in video games, as tools for the insurance field. It’s also important to protect your business with New York Cyber Liability Insurance. There are a few ways the insurance world can use virtual reality to reduce costs and protect employees. According to an article in Workers’ Compensation Institute, using virtual reality can prevent workplace injuries in warehouses when it comes to using forklifts. Tactus Technologies have built a virtual reality training program for forklifts that will allow operators to practice with a video-feed-like gaming system in the typical environments they work in. the program is called 3D Forklift Trainer and is meant to be interactive and puts aside the passiveness of classroom-based lecture training. This virtual reality program provides a risk control element that enables you to look at possible hazards and how to handle them before the real deal. While preventing injuries, it’s also cost efficient for insurance companies. Insurers won’t have to spend the money to send their employees to different locations to train and will be able to hire more staff without the fear of extra costs for training. The idea of virtual reality seems to have a lot of benefits as a risk management tool. As mentioned before, this program is representative of how innovative technology is becoming and how industries like insurers can use it to their advantage. At A.J. Benet, Inc. Insurance, we understand the harm cyber crimes can have on your business and that’s why we take the time to review exposures including cyber attacks, data breaches, and privacy risks. We are also proud to say that we offer cyber policies that provide first and third party coverage for security and data breach events. For more information on how we can provide you with your insurance needs, call us today at 888.639.4560.

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New York Craft Breweries Continue to Thrive

There is no doubt about it, the craft beverage industry in New York hast reach new heights in the last few years. According to reports, New York’s artisan and craft brewery industry grew 59 percent between 2013 and 2014. The industry now holds upwards of 200 craft breweries, as well as a number of local wineries, distilleries and cider houses, which produce roughly 859,535 barrels of beverage goods in the last year alone. Over all, a recent report funded by the state Brewers Association and the New York Wine and Grape Foundation, showed that the number of craft breweries more than doubled between 2012 and January 2015, from 95 to over 207 breweries. Much of the widespread growth has been attributed to less stringent regulations governing alcoholic beverage production and distribution in the Empire State, as well as a number of state and local government grants for small beverage goods producers. Last November, New York state legislators enacted the Craft New York Act, which lowered licensing fees and increased the production cap for small breweries throughout the state from 60,000 barrels to 75,000 barrels. The state also funded a $2 million grant program to help local craft beverage makers market and promote their goods and brand. Combining these factors with the growing interest in artisanal brewing and spirits across the nation has undoubtedly led to the surge in fresh New York breweries, distilleries, cider-houses and wineries. As New York food goods manufacturing industry members, these operations face a number of unique business challenges and risk exposures. Whether you currently own or are looking to start a microbrewery or similar operation, it is important to consider the loss and liability concerns involved. At A.J. Benet, we specialize in helping New York businesses balance the coverage they need with prices their budget can afford. One of the many specialty industries we provide service to are New York City Food Manufacturers and Distributors. We offer a wide selection of property and liability insurance coverages that are specially targeted to the needs of these operations. From commercial property coverage to product liability coverage, our New York City business insurance specialist can help piece together the protection you and your operation need. To learn more about us and all our offerings, contact us today at (888) 639-4560.

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Why Should You Insure Your Spring Fundraiser?

There are many different types of fundraisers, for a myriad of different noble pursuits. Fundraising events are a means by which non-profit and for-profit organizations can obtain money to operate or extra funds for a specific pursuit. While fundraisers can take a number of forms, they all face many of the same inherent risks. Whether you are throwing a spring gala event or organizing a local bake sale, it would be unfortunate to leave the event vulnerable to legal claims of injury or loss from others. Luckily, organizations can protect themselves against such claims by buying NY fundraiser event insurance. A strong fundraiser insurance policy will provide the accident and liability insurance that your event will require. A seasoned Manhattan insurance agency will be able to help you determine your event and operation’s exactly needs based on your fundraising goals, the type of activity you plan to hold, your participants and the requirements placed on you by your host site. Single event insurance is usually quite affordable, and it can cover your organization’s liability for a range of risks, including property damage and injuries. Should a guest be injured during the event and claim that your operation is at fault, this coverage would protect not only the raised funds but your operation’s assets as well by providing coverage for any legal complications that may arise. At A.J. Benet we can help you protect your fundraising events so that you can focus on raising the funds you need. We specialize in working with non-profit organizations, religious organizations, and a number of other specialty industries throughout the New York area. To learn more about our operation, contact us today at (888) 639-4560.

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Aging Utility Lines Linked to NYC Apartment Building Fires

An unexpected explosion rocked New York’s East Village Thursday afternoon, sparking a 5 alarm blaze. According to reports, a total of 19 individuals were injured, including five emergency responders, and at least two others remain missing. Luckily, reports indicate that none of the injuries thus far have been life threatening. The blaze reportedly started after an explosion occurred which officials believe was the result of work being preformed on gas line inside a NYC apartment building. The fire quickly spread to three neighboring apartment buildings causing the further evacuation of other buildings in the surrounding area. In total, 11 buildings were evacuated, 3 structures collapsed and a fourth suffered significant damages. Recent events occurred just over a year after a similar explosion and fire broke out in East Harlem, killing 8 individuals. The recent catastrophes have raises serious concerns about the safety and security of New York City’s utilities and infrastructure. In 2014, the NYC Center for an Urban Future released a report detailing the state of New York City’s aging infrastructure. According to the report, both of New York City’s major utility providers are using outdated and aging lines that are upwards of 50 and 60 years old. By the numbers, sixty percent of Consolidated Edison’s gas mains and 48 percent of National Grid’s lines are reportedly made of leak-prone materials, totaling some 3,321 miles of potentially leaky gas lines running throughout the city. Gas lines and pipes made of unprotected steel or cast iron are still widely prevalent in older cities such as NYC, and are cause large scale catastrophes, property damage and even loss of lives. Consolidated Edison reportedly aims to replace approximately 30 miles of their outdated pipes each year, however these adjustments are expensive, costing between $2.2 and $8 million per mile, and time consuming. For NYC commercial and residential real estate owners, utility infrastructure and failure has become a serious property loss and liability concern. The threat of a gas line exploding without warning, a water main leaking and causing flooding, or electrical wiring malfunctions resulting in fire are very real. As such, it is vital that NYC commercial property owners secure complete property and liability insurance to protect their assets. At A.J. Benet Insurance, we offer property and liability coverages along with workers compensation and management liability insurance for your business operations. Our…
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Vital NY Wealth Management Liability Insurance Coverages

  Wealth managers face a myriad of liability exposures through the course of their professional service. By nature the risks are high for these professionals because handing the finances of others places additional pressure, responsibility and liability onto one’s shoulders. Clients have a lot to lose should a wealth management professional make an error or misjudgment in their work, and an unhappy clients won’t hesitate to pursue legal action against your operation. The risk of being responsible for fraud, mismanagement, or other wrongful acts is exactly why New York wealth managers must employ strategic risk management planning and risk transfer strategies. The right New York business insurance program can help wealth managers, investment advisors and any who handle financial assets on behalf of clients protect themselves from a number of risk, loss and liability exposures that can accompany the performance of their professional services. There are three main types of liability coverage that all wealth management firms should secure. Professional Liability- New York professional liability coverage is designed to protect businesses and their employees against allegations of failure to preform professional duties, or claims that errors, omissions or negligence on the part of your operation resulted in financial harm to another. Fiduciary/ Crime Liability- As professional who are in charge of the money of others, there is much at stake when it comes to crime. As such, it is essential that your firm acquires coverage for a broad range of risks, including employee theft, theft of clients’ property, forgery and alteration of checks, credit cards and personal accounts, fraud, and other key coverages. Directors and Officer Liability- This coverage is specifically designed to protect business owners, directors and officers, and key executives against the potential consequences of alleged wrongdoings, such as financial mismanagement, misappropriation of funds, and negligence. These policies also offer protection from suits alleging a lack of proper “corporate governance” and company management. In this increasingly litigious world, your New York wealth management firm can’t afford to be caught off-guard by a liability lawsuit. At A.J. Benet, our NY wealth management liability insurance programs can be customized to cover multiple professionals in the asset management field, including family offices, independent brokerages, franchises and more. We offer workers compensation, directors and officers insurance (D&O), general liability and property insurance for all your commercial needs and can tailor a solution…
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