AJB Blog

Staying In Touch With You

Tag Archives: NYC

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.

Posted in Blog, Business Insurance, Food Manufacturers and Distributors, New York | Also tagged , , , , , , Comments Off on New York Craft Breweries Continue to Thrive

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…
Read more…

Posted in Blog, Business Insurance, Commercial Real Estate, New York, Property Insurance | Also tagged , , , , , , Comments Off on Aging Utility Lines Linked to NYC Apartment Building Fires

NYC Restaurant Insurance: Navigating Health Inspections

NYC Restaurant Insurance: Navigating Health Inspections  As most NYC eateries know, The New York City Department of Health and Mental Hygiene (NYCHD) inspects the roughly 24,000 restaurants in New York City at least once each year. Inspections evaluate each restaurant’s compliance with the food safety regulations established by the New York City Health Code and Health Department. During an inspection, the Health Inspector calculates an establishment’s compliance score based on the number and types of violations observed. After the inspection the eatery is given a letter grade reflecting the quality of adherence to the Health Code standards.  Different violations reflect different levels of risk to the public’s health and safety. Major violations are considered an imminent public health danger and often require immediate correction and/or closure of a facility. In some cases, a routine inspection can turn into a nightmare for restaurant owners and managers, when an establishment is not completely up to code. Some of the most common major health code violations include: Certified Supervision and Documentation: NYC Health Code regulations require that every food service establishment employ a supervisor of food operations who holds a Health Department Food Protection Certificate obtained through the NYCHD. At least one supervisor with the required certification and training must be on duty and present at the establishment anytime the establishment is receiving, preparing, storing or serving food and when the establishment is open to the public. Food Protection Certification must always be present, visible and available for inspection at any given time. Pests: Every facility serving, transporting, or preparing food goods should be free of rodents, roaches, flies, and other pests which could contaminate food goods and transmit illness. Avoid conditions which can create or foster pest proliferation. It is the responsibility of restaurant owners and managers to oversee that proper and lawful pest control practices are implemented, including compliance with all environmental impact regulations regarding safe pest management and pesticide usage. Improper food preparation and storage: There are strict regulations concerning the proper food preparation, storage and holding practices which mandate everything from required practices and cooking temperatures to storage lengths of time and labeling. Unclean surfaces and prep environments: Any surface which may come in contact with food or utensils must be properly cleaned, sanitized and maintained. Regular upkeep is vital to the success of any NYC eatery and could…
Read more…

Posted in Restaurant insurance, Uncategorized | Also tagged , , , Comments Off on NYC Restaurant Insurance: Navigating Health Inspections

Manhattan Photography Insurance: Protecting Your Business Gear

Manhattan Photography Insurance: Protecting Your Business Gear  It’s no secret that digital technology has revolutionized the realm of photography. From new image formats to digital darkroom capabilities, modern photographers are not only expected to be masters of light and timing, but also technology wizards. Modern photographers use high definition cameras, super powered laptops and high quality printers to deliver their goods and services. While photo-editing software and digital cameras have propelled photography to new heights, new technology can be a big expense for professionals. Cameras, extra memory, lenses, printers, image processing software, light kits and back drops are just a few of the most essential equipment pieces a photographers need, especially in the digital era. In fact, one of the largest business expenses a photography professionals encounter are some of the most essential tools of the trade. Professional photographers use a tone of gear. In fact, their livelihood is largely reliant upon the functionality of their equipment and technology. When dealing with large amounts of business equipment and technology, a lot can go wrong. It is highly important that professional photographers protect themselves and their equipment as replacements and repairs don’t come cheap. Industry professionals claim that proper cleaning and maintenance can help improve the longevity of your cameras, lenses, filters and other equipment. Dust, dirt or and other particulates on a lens or filter can interfere with your image by producing flare or blurring in your shots. Dust and dirt can also interfere with the sensor or and other mechanical components, which can ultimately cause serious problems. Gently and thoroughly cleaning all physical components can help remove hazardous particulates and increase the longevity of your gear. Even tripods, stands, packs and other equipment should be cleaned thoroughly on a regular basis to ensure that they are free of dirt, crumbs, rust, grime and other functional and esthetic menaces. At AJ Benet, we take into account the mobility, gear, professional responsibility and many other factors that contribute to the unique risk exposures photography professionals face in the course of their work. That’s why our comprehensive Manhattan Photography Insurance is specifically designed to protect professional photographers and videographers from all the risks involved with being a photography professional. Our policies as fully customizable to fit the needs of your operation and can include everything from commercial property insurance to liability insurance….
Read more…

Posted in Blog, Business Insurance, Photographer Insurance | Also tagged , , , , , , Comments Off on Manhattan Photography Insurance: Protecting Your Business Gear

Westchester County Private Client Services: High Net Worth Insurance

Westchester County Private Client Services: High Net Worth Insurance Most individuals who own a business, home or car carries an accompanying insurance policy. Hours of rifling through Google’s endless page results, contacting prospective insurers; it’s a long, arduous process that typically ends in purchasing an “x” amount of coverage for a “y” amount in premiums that are feasible for you, your assets and your finances. So, this takes us to a couple questions; why are high net worth (HNW) individuals purchasing insurance policies conducive for average salary individuals with an average amount of assets? And why aren’t these policies being written by insurance companies that specialize in high net worth insurance? According to Accenture, North America’s HNW population has risen 8.6 percent in 2010, after rising 16.6 percent in 2009. With a continual increase of wealthy individuals, it’s presumed that HNW niche insurance companies are being flooded with elite clientele vying for their services. But according to Property Casualty 360, this is not the case. Moreover, over 80 percent of HNW individuals do not carry coverage written by these niche companies. This means that over 80 percent carry an inadequate amount of coverage. Investing in protecting your valuable assets is just as important as deciphering which fine art collection or antique car is worthwhile. Right now is a fitting time to educate the HNW population that niche companies have (1) unique solutions for their particular needs and (2) private client services in mitigating their specialized risks. AJ Benet Insurance Private Client Services serves HNW individuals in Manhattan & Westchester County, NY, Fairfield County, CT & New Jersey Along with your beautiful home and appointed furnishings, you most likely have high-valued items including fine art collections that require special insurance coverage. You may have paintings and sculptures – artwork you’ve collected over time – whose value goes well beyond what a homeowners policycan provide. At A.J. Benet, we offer our clients within our Private Client Services division, insurance to cover fine art collections as part of our suite of products. This coverage can be either an addition to your homeowners insurance or issued as a separate policy to cover items such as paintings, sculptures, antique furniture, collectibles and much more. Trust AJ Benet with your Fine Art Collections Insurance

Posted in Blog, Westchester County | Also tagged , , , , , , , , , Comments Off on Westchester County Private Client Services: High Net Worth Insurance

What You Need to Know About Westchester County Yacht Insurance

What You Need to Know About Westchester County Yacht Insurance While it may still be a crisp 40 degrees here in Mamaroneck, nonetheless it’s spring! With the promise of warmer weather, it’s time to start thinking about your sunny vacation plans. Boat sales have risen ten percent this year, in the first significant boost since the recession, and yachts are a large part of that picture. But owning a yacht also exposes you to some unique exposures. Here are some tips to watch out for to make sure you have the proper coverage for your vessel. Consequential damage. This applies when a yacht is disabled due to engine failure and suffers resulting hull damage. Although it is covered in most policies as a result of a storm or other event, it may not be if it is a “consequence” of mechanical failure. Parts Depreciation. As your boat ages, the parts can lose value, and most insurers will cover only the depreciated value of the part, not the full cost of replacing it. Navigation zone restrictions. Where you are, or where you plan on boating could affect your policy. Many policies are written based on navigation zones. They may be as narrow as the Florida Keys. And it may mean that a boater insured for the Bay Area in California may not be covered for damage that occurs in Mexico’s Pacific coast. So, as a boater, it is wise to check out any geographic limitations ahead of time. Experience. Of course, as a boat owner, experience always matters. Where you travel, how many years you’ve been boating for, and your type of boat can all affect your Westchester County Yacht Insurance policy. Whether you are docked in the marina at Stamford, garaged at your house in Rye, or cruising the Long Island Sound, your boat needs its own special type of insurance. A.J. Benet, Inc. knows that not all boat owners and their requirements are the same. Our staff strives to learn your particular habits and help you find insurance that addresses your personal risks. Contact us today for more information about our Westchester County Yacht Insurance coverage. Source: P&C 360

Posted in Boating Insurance, New York, Westchester County, Yacht Insurance | Also tagged , , , , , , , , , , , Comments Off on What You Need to Know About Westchester County Yacht Insurance

What To Do After Hurricane Sandy

What To Do After Hurricane Sandy Hurricane Sandy has come and gone. However, Hurricane Sandy did not leave New York untouched. This Hurricane shook and rattled the North East for days, leaving residents confined in their unlit homes without any available resources. Hurricane Sandy was unforgiving and left many individuals grieving & emotionally stirred. From the fires igniting in Queens to the explosions in Manhattan, the cost of damages are not quantifiable at the moment. Fortunately, the President has approved a disaster declaration for New York and New Jersey, providing them federal assistance to rebuild. Below we have some tips on what to do after Hurricane Sandy. Hurricane Sandy has left the community in anomie and all that have been affected are slowly recovering. Here a few tips on what to do after Hurricane Sandy. Although the storm has passed, be sure to listen to NOAA Weather Radio and your local news for any updates. If you have been evacuated, remain in your current location until officials state that it’s safe to return home. If you are unable to return home, contact FEMA or The Red Cross for immediate assistance. The government is here to help, so please utilize all their resources. Whether you are driving or walking, keep your eyes open for any downed electrical wires, loose power lines, falling objects, debris, and sinkholes. Contact the power company if you noticed any loose power lines, and only drive if absolutely necessary. Once at home or any building, immediately evacuate if you smell gas or feel your home shifting. If you are unsure have a structural engineer or building inspector examine the property. Refrain from turning on the lights and using candles or lanterns; instead use a battery operated flashlight. Discard any food that is spoiled or has come in contact with flood water. Drink bottled water and do not use tap water for drinking or cooking. Never use a generator inside your home and never connect it to your home’s wiring. Be cautious! Since 1964, A.J. Benet has been serving residents Westchester County insurance in Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Port Chester, Rye, Salem, Purchase, Bronxville, Bedford, Mt. Kisco, and Katonah, New York. We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page.

Posted in Flood Insurance, Home Insurance, New Jersey, New York | Also tagged , , , , , , , , , , , , , , , , , Comments Off on What To Do After Hurricane Sandy

New York Auto Insurance: Auto Safety

New York Auto Insurance: Auto Safety For most individuals who do not have any experience driving in large metropolitan cities like New York, the first few times may seem exceedingly stressful. Maneuvering through a city where both motorists and pedestrians are aggressive is unlike the obstacles and challenges you have dealt with in a calm, rural town or suburb. It may be overwhelming and chaotic for those driving in cities where rush hour never seems to end. It is hard to believe that car accidents do not happen more frequently. However these regular urban city drivers have more experience of how to avert disasters. Driving around the city and familiarizing yourself with the roads, routes, and people’s driving skills will alleviate some redundant stress. Although every metropolitan may have different regulations and street names, challenges are similar and you will constantly need to exercise the following: expect the unexpected, be assertive but neither too aggressive nor too timid, and stay focus. If you are weary to drive in your new metropolitan city or need to brush up on some tips, here are a few tips on safe driving. Be alert. Procure a 360 degree vision and exercise this at all times. Although this is necessary in every size city, this is extremely important in big cities due to traffic congestion and unwarranted obstacles. Set your mirrors so that you are able to have 180 degree coverage to your rear. Do not get caught in an intersection. New York City has over 12,400 intersections with traffic lights, so exercise caution. Be aware of the car ahead of you and avoid running red lights. You will only be contributing to more congestion. Familiarize yourself with local laws to avoid tickets and car accidents. In New York City right turns on red lights are not allowed and you will not only be issued a ticket, but you may possibly hit a pedestrian. Taxi cabs and buses make unpredictable stops and swiftly swerve to the side to pick up people, so look ahead and be prepared to change your lane or slow down to let other drivers to merge onto your lane. Crosswalks are prevalent in metropolitan cities to let large herds of pedestrians and cyclist to walk across different streets. The pedestrian always has the right of way even if they are jaywalking….
Read more…

Posted in Auto Insurance, New York | Also tagged , , , , , , , , , , , , , , , , Comments Off on New York Auto Insurance: Auto Safety