Do I Need Business Insurance If I Work From Home?

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

If you are going to create your own business and plan on running it from the comfort of your home, it is vital that you acquire the correct business insurance policy.  There are also three distinct types of insurance related to a private business that you should be familiar with: public liability insurance, employer’s liability insurance, and professional indemnity insurance. In this post, Long Island Insurance Executive, Gregg S. Marcuswill explain the difference between these insurance policies and help to clarify which is best for your personal and business needs.

You may ask yourself what kind of business policy you will need for your home business. Regardless of what kind of company you are starting, you will need a specially designed insurance policy, it also does not matter that you are running your business from home; you will still need to be insured with the appropriate policy as you would if you had a private office.

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

Why Insurance Premiums Increase While Property Value Decreases

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

Customers always seem to ask insurance agents the following question: “How can it cost more to insure my home when my property value is declining?” This has been even more prevalent following the economic slump in the last few years. Values naturally tend to decline as the real estate markets slows up.  Currently homes are not selling as quickly due to a decrease in demand which lowers the competitive aspect of selling.  Homeowner’s across the country have witnessed that property values are much lower than even just a few years ago. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain why this insurance phenomena seems to occur.

With home values declining, why do home insurance rates continue to increase?

One of the greatest factors that determine the cost of home insurance is the replacement value of the home being insured.  The main factors that determine the replacement value of your home can vary greatly from the factors that establish your house’s market value.  Replacement value of a home is the cost that it would take to rebuild your home with current construction costs and

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

Safe Driving Tips for Bad Weather

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

Needless to say, when the weather turns bad, it is best to stay inside and off the roads.  If you head out when conditions are not quite ideal you greatly increase the risk of losing control of your automobile and having a collision, this could result in injuring yourself and others, the totaling of your automobile, painstaking lawsuits or even worse.  Though it is understandable that you may have no choice but to head out on the road during these horrible conditions, in this post, Long Island Insurance Executive, Gregg S. Marcuswill what you need to know to lessen your risk of getting into an accident and stay safe.

More likely than not, the most common reason for losing control of a car during a rain or snow storm is due to loss of traction. When the weather conditions begin to get rough and the road is wet, muddy, snowy and worst of all icy, the traction of your automobile is greatly reduced and your car has a higher chance of slipping out of control.  It is important to slow down and drive smoothly, adjust your speed for the varying conditions, you should not be driving as your normally would on a dry, clear day.

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

What You Need to Know about Renter’s Insurance

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

Renter’s insurance offers protection from life’s unpredictable events. Many renters assume that they are covered under your landlord’s insurance policy, but often that is not the case.  A landlord’s insurance policy usually only covers damage to the building itself, not the residents actual possessions. Renter’s insurance ensures that you can protect your own belongings from a disastrous situation. A Renter’s insurance policy typically covers the losses of your personal possessions; this is similar to a homeowner’s policy for those you have their own house, though it does not cover the damage of the building you live in; that is your landlord’s concern. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain the importance or renter’s insurance and what a typical policy will cover.

A renter’s insurance policy will cover the costs of replacing personal items that are stolen, damaged, or destroyed due to an incident.  The types of disasters that are typically covered are things such as fire or lightning, windstorms, riots, smoke, vandalism, or theft. These tragedies would not be covered under the landlord’s homeowner’s policy and you would be left on your own to replace anything that was lost or damaged. It should be noted that renter’s insurance does not usually cover earthquakes or flood, additional policies specific to these disasters must be purchased.

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

Do Small Auto Insurance Companies Offer Better Rates?

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

Though insurance coverage is a vital asset to every driver, it is truly important in the occurrence of an accident. It is likely that in this instant that those involved in the tragedy may need some medical assistance, the treatments of these injuries would of course require some finances, this is where auto insurance comes into effect. There are a number of auto insurance companies that offer a variety of plans, but how do you know which is right for you? These insurance firms fall into two major categories—major companies and small companies. In this post, Long Island Insurance Executive, Gregg S. Marcus lays out the differences between the large insurance companies and the smaller ones as wells as the benefits and faults of signing with each.

At often times the smaller insurance providers operate under the control of the major companies. The major companies diversify their policies in order to fit the needs of specific drivers more so than the smaller providers.  The most prevalent factor when one is deciding on auto insurance is of course price.  It is likely someone will prefer one company over another simply because the one company’s policy is more affordable. The internet is a fantastic way for an individual to compare quotes of different companies and get a good idea of how the pricing and coverage differ between the larger and smaller companies.

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

Can I Request a Decrease on my Homeowner’s Policy?

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

In a word yes, a homeowner can request a decrease on their policy, however, it is required that a client purchase the full percent of the insurance value. This of course means the client must buy the amount of coverage necessary to be able to cover the full value of the home in the instance of a tragedy. In this post, Long Island Insurance Executive, Gregg S. Marcus explains how to request a decrease on your policy and answers the following questions commonly brought up when discussing an adjustment to your homeowner’s insurance.

What if I think my coverage is too high?

If you think that your home is over insured it is important that you immediately contact your insurance agent and inform them of this belief. Your agent will have access to computer software which can help determine your unique and personal insurance rate. Costs such as your loan amount, tax assessment, and sale price, contrary to popular belief do not affect your rate.

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

How Important is Renter’s Insurance?

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

A homeowner’s insurance policy protects those who own their own house in the event of a tragedy, theft, or any other unforeseen incident.  Those individuals who rent instead of owning a home, renter’s insurance exists to offer the very same protections.  People whom of which live in apartment buildings are not usually required to have insurance, though in many cases it is a very good idea to have it. The owner of the building may have an insurance policy which offers some protection in the event of fire or theft, but that policy will not cover one’s personal belongings. Renters who possess valuable belongings should consider purchasing a renter’s policy in order to protect themselves. In this post, Long Island Insurance Executive, Gregg S. Marcus explains the importance of renter’s insurance and the options available for purchase.
Most renters will indeed require an insurance policy. Financial compensation is given in the event personal belongings are destroyed, stolen, or damaged in any way shape or form.  Renters may have inexpensive items that can be easily replaced. And other renters may just simply not care about having to spend extra money to replace their belongings in the event of an accident, although this group of renters tends to be a small one.

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

Is Minimum Homeowner’s Insurance Enough?

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

When shopping for homeowner’s insurance, individuals usually search for the lowest possible rates, especially with the economy being in the shape it is. However, policy holders should not settle for a lower rate with the risk of having inadequate coverage. A homeowner’s insurance agent will typically recommend what they believe to be best for your budget and home itself. Though, the homeowner usually opts for less in order to thwart paying high premiums.  In this post, Long Island Insurance Executive, Gregg S. Marcus explains why minimum homeowners coverage may not be the best option, and how paying a little more could protect you in the time of a future incident.
When getting down to business you should anticipate a number of different factors regarding you and your home personally. How much homeowner’s insurance do you truly need to safely protect the investment of your home? The answer to this question will obviously vary from one situation to the next, though there are a few things you much consider:

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

Most common Insurance Claims

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

It is important before deciding on an insurance policy, to know what the most common auto insurance claims are. By educating yourself with these facts and statistics you will be able to determine which premiums best fit your standards.  By knowing what the most prevalent claims are, you are able to avoid paying unnecessarily high insurance rates and can select a plan which adheres to the highest degree of safety and least amount of expenses. In this post, Long Island Insurance Executive, Gregg S. Marcus explains the most common auto insurance claims and how you can use this knowledge to better educate yourself when selecting an insurance plan.
Even if you do your best to drive alertly and defensively, work hard at obeying all traffic laws and abiding by all rules and regulations. And at often times you take a defensive driver’s course every now and then to refresh your memory, there is still a good chance that one day you will have to file an auto insurance claim. Even the best drivers at times end up in a situation they can’t avoid. Knowing what the most common auto insurance claim types are can help you to make a serious effort to avoid some of those situations.

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

Protecting your Business with Professional Liability Insurance

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

Simply put, every business should hold a professional liability insurance policy.  Whenever something negative should occur, the policy takes place at the worst of times.  It is possible that one day your business is in the green and profiting greatly and the next something severe occurs, crumbling your very company to the ground. Professional liability insurance allows you to prepare for a situation such as this.  Insurance policies are great to have in this unstable marketplace in which you have no control over what may occur. In this post, Long Island Insurance Executive, Gregg S. Marcus explains the importance of liability insurance whether you are a small business or a giant retailer.

Professional liability insurance differs greatly regarding the overall legal responsibility of the policy. This specific type of policy can assist you at anytime which a customer claims involving either negligence or harm. At this time professional liability insurance might have advantages on your behalf. It not only covers your business when suggestions appear, but it can also cover many charges.

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

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

Chances are with the economy the way it is, you are looking at every possible way to save money. One of the easiest ways to save money is by adjusting your auto insurance bill. There are several very simple, yet effective ways to trim down your auto insurance costs to the bare coverage you need, without losing out on any necessary coverage.  Cutting your policy down to the very vital, bare bones policy that you need you will drop your monthly payments greatly, saving you hundreds of dollars in the long run.  In this post, Long Island Insurance Executive, Gregg S. Marcus explains how you can easily and effectively cut your car insurance costs and still keep the coverage that you need to stay safe.

The first thing you must do is evaluate the insurance you currently have. You should examine exactly what you are paying for now and determine whether or not you are overpaying or whether what you are paying for is necessary for you personally.  You should then look at all the ways you can cut down your insurance, or “trim the fat” if you will.  Liability auto insurance, for example is one of the factors you are going to want to keep, as many states require it by law. You can however adjust your policy limits until your policy is dropped down to an affordable rate.

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

Why It’s Important to Get a Home Insurance Quote

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

It is a smart move that you have decided you want home insurance, however, before you purchase this insurance you must first get a homeowner’s insurance quote.  It is important to get quotes from many major companies as if you do not, you will not know which is offering you the best deal.  You should contact insurance brokers, especially if you are shopping for multiple kinds of insurance simultaneously.  In this post, Long Island Insurance Executive, Gregg S. Marcus, discusses the importance of getting home insurance quotes and how to find the

It is common for one to become a bit overwhelmed by the staggering number of insurance companies out there as well as the immense amount of plans and policies to choose from. It is sometimes nearly impossible to decide which policy suits your needs, which is why contacting a broker, or insurance executive is a vital part of selecting the perfect plan to suit your specific needs. This is why getting multiple quotes is the best possibly way to start searching for your homeowner’s insurance.

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

Lower Your Business Insurance Rate

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

It can be said that small businesses are the backbone of the American economy.  The younger businesses are where individuals apply creativity, ingenuity, and apply the greatest amounts of innovation. Though, when a business fails it can be deeply saddening on many levels. The loss of jobs, income and investments all take place when a business goes under.  With several variables at large, it is difficult to pinpoint when and where a business may fail. It can at times involve a product or service that the public isn’t interested in or other various reasons.  In this post, Long Island Insurance Executive, Gregg S. Marcus explains why business insurance is so important for a company to possess.
In order to help business firms find redress in these dire situations, insurance companies have devised policies in order to protect them from any unlikely situation that may come their way.  These policies are brought into place and designed to provide indemnity to the company, should anything beyond their control.

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

Know What Your Homeowners Insurance Covers

Here is an excerpt from a new blog post at GreggMarcus.com:
It is true that most individuals don’t truly read or understand their insurance policy. The average person just knows that insurance is required when owning a car or a home, but beyond that most don’t look into their policies much.  When purchasing homeowner’s insurance it is rare that one knows what is covered and what isn’t until it’s time to put in a claim and at that time it is too late! In this post, Long Island Insurance Executive, Gregg S. Marcus explains what is usually covered and what you need to know about a basic homeowner’s insurance policy.
In most cases, a homeowner’s insurance will cover against the following things:

• Damage to the home from wind, hail, lighting and any other storm related damage.
• Theft from the premise.

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

Car Insurance Tips Guide

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

In this day and age it is important to shield our assets from the array of damages which may harm them.  One of the leading assets of an individual is their vehicle.  Automobiles are a costly purchase and with the crime relating to them bursting in recent times it is important to be cautious when purchasing auto insurance.  This causes it to be mandatory. Car insurance is the perfect way to protect your automobile against danger via an accident or thievery.  In this post, Long Island Insurance Executive, Gregg S. Marcus  provides the best tips to finding the best auto insurance for you as well as explains the best ways to stay safe on the road.
Before selecting a policy, there are a few items you must take into consideration:

1. Before purchasing auto insurance be sure to get as many quotes as possible, as it is vital that you shop around. You never know the best deal you can get unless you shop around. Depending on the company and the coverage you wish to have your insurance premium can vary greatly

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