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Umbrella Liability Policies

Sending Your Kid Off To College?
July 20, 2016

Hot, Dry Conditions Mean Increased Fire Danger
July 5, 2016

It's Pool Season
June 15, 2016

Hurricane Season 06/01/16 – 11/30/2016
June 8, 2016

Hosting A Grad Party?...
June 2, 2016

6905 Route 227
P.O. Box 550
Trumansburg, New York 14886

607.387.9314 (fax)
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Prevent Halloween Accidents With These Tips:
October 12, 2016

Halloween is a fun time for children to dress up in costumes for a bit of make-believe. 

Whether you are transforming your home into a haunted house or simply handing out candy to your neighborhood ghouls and goblins, a quick safety check will help ensure a happy night of haunting.


The following 6 Tips will assure Halloween home safety...

  • Create a Clear Path – Make sure the path from your driveway or the sidewalk to the front door is free from obstructions or hazards so that visitors don’t stumble and injure themselves. 
  • Confine Your Pets – The constant excitement of young children ringing the doorbell is simply too much for many pets.
  • Keep the Lights On – If you have a long driveway or walkway, turn on your regular outdoor lights so trick-or-treaters can easily see the path to the door.  You will not only help avoid a liability claim, but you’ll deter burglars who are always less inclined to approach a well-lit home.
  • Avoid Open Flames – While candles and luminaries set the spooky mood on Halloween, they can easily be overturned and result in homeowners’ insurance claims for fire damage.  Consider light sticks and battery-powered lanterns instead.
  • Jack-o-Lantern Safety – Lit Jack-o-Lantern’s may add a spooky glow to your home, but they also pose a fire hazard.  Trick-or-treaters can easily knock over the lit candles lining your front walk, injuring themselves and potentially starting a fire. Avoid fire damage claims by using a battery-powered light in your pumpkin.
  • Home Security – If you will be away from home during Halloween, don’t forget to set your security alarm system before you go. This is a prime time of year for mischief and burglaries. 

Categories: Home Tips, Liability, Safety,
4 Easy Identity Protection Tips
September 12, 2016

1. Don’t give out personal information by phone or email. Financial institutions and government agencies, like the IRS, won’t ask for personal data by phone or email.

2. Use strong passwords. Make them at least eight characters, using at least one number, one letter, one symbol and one uppercase letter.

3. Secure paper documents. Never leave bills with checks inside a mailbox overnight.

4. Add Identity Fraud Endorsement to your policy.  Contact your agent for more details.

Categories: Enhanced Coverages, ID Theft,
Business Insurance Covers Your Risks
August 9, 2016

If you are a business owner, it's important that you understand the importance of business insurance and how it can impact your enterprise.  Determining your risks and making sure you have the right commercial insurance in place requires an evaluation of a wide range of factors.

Your business needs may include:

  • How you serve your customers.
  • How many employees you have on staff.
  • The materials or substances those employees handle.
  • The safety of your building, equipment, and processes.
  • The security of your data and intellectual property.

Commercial insurance can be complex.  It needs to be tailored to each business based on the risk.  A Finger Lakes Independent Agent will ensure that your covered adequately to protect your business investment.  Our Independent Agents can evaluate your business and your insurance needs. 

Contact an agent today to review your policy.

Categories: Liability, Products,
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