Does your Business Need Additional Coverage?

Here is an excerpt from a new blog post at GreggMarcus.com:

As a business owner you have probably had to decide in the past whether your business insurance is over covering your business or under covering it. Too much coverage can become quite costly and in turn ineffective. While not having enough coverage can in the end put your business out if something unfavorable were to occur. Most companies’ policies possess the most basic of all coverage; including liability insurance, property insurance, and services such as worker’s comp. In this post, Long Island Insurance Executive, Gregg S. Marcuswill explain why this basic coverage may not be enough in regards to your personal business.

The basic coverage mentioned earlier is normally okay if all your business consists of is a building and employees and you do not expect anything out of the ordinary to happen. There are some additional coverage options available that are crucial for businesses to acquire on top of their basic insurance policy. Most individuals believe the following are covered under their basic business insurance policy, when in fact more often than not they are not.

To Read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Does your Business Need Additional Coverage?

Here is an excerpt from a new blog post at GreggMarcus.com:

There are a staggering number of scenarios in which a home is to become vacant for an extended period of time. In many cases this is for more than just a weekend or couple week’s vacation. There are many people who believe that their vacant home, for whatever reason, is covered under their existing policy, not truly knowing that in reality the vacant house has severely limited coverage. In this post, Long Island Insurance Executive, Gregg S. Marcus explains the situations in which a home may be vacant and why and how you can properly insure your non-living residence.

There are many reasons why a house may remain vacant. Regardless of the reasoning, people are usually misinformed about their vacant homes coverage. The most common reasons a house will remain without residence are the following: a family has purchased a new house and the old home is now vacant and waiting to be sold, an elderly parent or loved one has moved into a nursing home in which the house is left behind for the children to decide what they wish to do with it, or a couple moves out of state for half a year or so for a job opportunity.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Save Money by Prepaying your Auto Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

Many individuals wonder if prepaying all or part of the auto insurance bill can save you some money, the simple answer is yes. Especially if your company gives a discount for this activity as most insurers do. You may be wondering what it exactly means to prepay your bill and how to be sure that your company offers this service. Prepaying your car insurance is essentially self explanatory. You are to pay in advance all or part of your premiums for a given period of time. Most commonly car insurance is billed in six month premium installments. In this post, Long Island Insurance Executive, Gregg S. Marcus explains thoroughly how you can save money by simply prepaying all or part of your auto insurance premium.

The auto insurance industry has come to the conclusion that a six month time period is the prime amount of time that allows for two things to occur. Initially they have far less work to do accounting wise which makes the company eligible to cut overhead, being that premiums are paid twice a year. And secondly, six months is a short enough time to sweep the DMV’s records on a regular basis and adjust premiums whenever appropriate.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Flood Insurance for Homeowners

Here is an excerpt from a new blog post at GreggMarcus.com:

When thinking about purchasing a homeowner’s insurance policy, depending upon your location, you may need to greatly consider purchasing a flood insurance policy. As most homeowner’s insurance policies do not include a flood insurance term, there must be a separate agreement purchased. If you are anywhere near the water or live in an area in which is a vulnerable to torrential downpour you should greatly consider purchasing a separate flood insurance policy to protect your home and yourself! In this post, Long Island Insurance Executive, Gregg S. Marcus will explain why it is more than recommended to purchase an insurance policy to protect you from the harms of flooding.

With the hurricane season being quite devastating during the past few years, we should be quite concerned about weather related risks to life and property around the summer time. The Federal Emergency Management Agency, commonly known as FEMA reminds residents all around the country to protect themselves and their properties by being readily prepared for such instances, this includes the acquiring flood insurance.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

5 Hidden Ways to Save on Auto Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

In regards to saving money on auto insurance, there are some things under your control and some things that aren’t. Most drivers are aware of the importance and relevance of maintaining an excellent driving record and owning a decent vehicle in order to get lower rates. Though there are many other special discounts around out there that are not usually advertised. In this post, Long Island Insurance Executive, Gregg S. Marcus will fully explain 5 hidden ways to save money on your auto insurance policy.

1.    Good Grades Discount

If you are a driver between the ages of sixteen and twenty-five, and are currently a student who has good grades, you may be eligible for a discount.  Whether or not your parents pay the bill is irrelevant, it is a good way to save a few bucks every month.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

How to Purchase Renter’s Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

Most individuals who rent their homes cannot determine whether it is beneficial or not to hold a renter’s insurance policy.  How can you decide if renters insurance is for you? Do figure this out you will need to calculate the amount of liability coverage needed, assess the probability of property loss (including attaining the value of your possessions), estimate the deductible, and put everything together to determine what is right for you as a renter and what you should be looking for when purchasing renter’s insurance. In this post, Long Island Insurance Executive, Gregg S. Marcus will tell you everything you need to know about renter’s insurance, explain what is right for your specific needs and inform you on how to go about purchasing such a policy.

Analyze Your Liability
In regards to an apartment building, those living on the second floor or higher normally have a higher propensity to be liable for property damage to their neighbors, considering there are people living directly beneath them. If you have any form of water damage in your home you can be sure it will affect the others living below you. If you own a dog renter’s insurance will protect you in the event of the animal causing any harm. If you consider your home to be high risk you shouldn’t hesitate to purchase a policy.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Auto Insurance and your Credit Score

Here is an excerpt from a new blog post at GreggMarcus.com:

When one comes to think about the various factors that go into determining your auto insurance policy, you usually come to think of the various aspects of the car itself or the type of coverage you wish to purchase. The factors do of course play a large part in determining your insurance premium rates as well as your driving record, recent accidents, and tickets you may have attained. While all these issues help determine your payments to a large degree, there are a number of other factors that can make an outstanding difference as well. Depending on where you reside, your credit score may be one of the most vital factors an insurance company uses to determine your rates. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain all you need to know about the parallels between your auto insurance policy and your credit score.

Almost every state in the country uses your credit score to determine an insurance premium. Today there are forty-six states where auto insurance companies are permitted to look up your credit score and consider it to factor your premium rates. The four states that prohibit this practice and appliance are California, Hawaii, Massachusetts, and Maryland; though everywhere else your information is open to the companies.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Tips for Dealing with a Denied Claim

Here is an excerpt from a new blog post at GreggMarcus.com:

It goes without saying that in any event in which you submit a claim against your homeowner’s insurance policy, your insurer has the right to deny it.  When dealing with a denied claims you will at often times become frustrated, confused or even frightened, as this is, as with any insurance arrangement, incredibly stressful, though you by no means have to accept no for an answer and leave it at that, as a customer you possess the right to fight back. It should be known that most denied claims cases are simply errors or miscommunications, claims denials could also represent fraud. If you truly believe you are not getting what you paid for and feel your insurance company is not keeping up their end of your agreement you should not quit until justice prevails.  In this post, Long Island Insurance Executive, Gregg S. Marcus will explain what steps you must take after having an insurance claim denied.

Initially, the first thing you should do is review the denial. An insurance company can’t simply deny your claim because they don’t feel like dealing with you, as a contracted customer you are entitled to be covered by the insurer with only a few exceptions. Once an insurance company denies your claim, they must provide a reason, be sure to go over this reason and make sure you understand their comprehension.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Is Small Business Insurance Necessary?

Here is an excerpt from a new blog post at GreggMarcus.com:

As a small business owner there are a lot of things you are concerned with on a daily basis.  Without insurance, it is possible that you would have even more to worry about. Do not take that chance! It is necessary, even when owning a small business to possess business and liability insurance policy.  Beside from thinking of salaries, hiring employees, technological issues and attracting customers, business insurance should be on your list of responsibilities. In this post, Long Island Insurance Executive, Gregg S. Marcuswill explain why even owners of small businesses should hold policies similar to those of large, corporate business executives.

You should definitely consider a business insurance policy if as an owner, you have a decent number of employees.  If there are more than just a few individuals working for you, you should definitely not skimp on an insurance policy as there is obviously more likely going to be a problem with the more people you have working.  Depending upon your type of business, some employees may be working miles or even states away.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Factors that May Affect Your Insurance Policies

Here is an excerpt from a new blog post at GreggMarcus.com:

Most people do not spend a majority of their time contemplating their insurance policies.  There are a number of events that may occur in your life in which you may need to contact your insurance broker and discuss how they affect your policy.  Many people do not seek assistance after these instances which are volatile to one’s insurance plan.  In this post, Long Island Insurance Executive, Gregg S. Marcus discusses the distinctive factors that occur in your life which determine your insurance payments. These factors include the number of drivers in your household, marriage or divorce, moving into a new home, or acquiring a new job.

Number of Drivers

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Tips to Obtaining Cheap Auto Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

There are some very specific things you can go about doing if you wish to save money on your auto insurance policy.  Most people do in fact pay too much for their car insurance, never realizing that there is usually a whole array of different discounts that you are able to take advantage of.  The average individual does not go about doing the little bit of extra research that could easily save them hundreds of dollars every year.  Besides the simple comparing and contrasting of auto insurance companies there are many other things that one can go about doing to save some money.  In this post, Long Island Insurance Executive, Gregg S. Marcus discusses how to go about obtaining a cheaper auto insurance policy with the following helpful tips.
Here are some helpful tips to take into consideration when looking to lower your policy:

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.