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Trumansburg, New York 14886

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Articles: Liability

Keep Bites at Bay...

August 15, 2017

There are several ways to prevent your dog from biting:    

  • Keep your dog away from people and circumstances that stress or frighten him; keep him in a separate room or fenced yard if the situation calls for it.
  • If your dog is possessive/aggressive around food, feed her away from other pets and people.
  • Don't send mixed messages. Some people want aggressive guard dogs at home, but if you teach your dog that all outsiders are potential threats, don't be surprised when he bites someone-even someone totally harmless.
  • Break your dog of a biting habits. Even a dog that likes to bite "playfully" can be misconstrued as vicious by the recipient of a harmless nip, so it's smart to stop all kinds of biting.
  • Give dogs plenty of love and positive reinforcement when they engage in gentle behaviors that you like.

Categories: Liability, Safety,

Tis the Season...

December 12, 2016

With Christmas and New Year’s right around the corner many people are getting ready for their annual holiday parties.  However, hosts need to take steps to limit their liability before the party begins.

  • Provide plenty of outdoor lighting so guests see the walk-ways.
  • Keep pathways and steps clear of snow/ice to prevent falling.
  • Never leave cooking food unattended on the stove or outside grill.
  • Encourage guests to pick a designated driver who will refrain from drinking alcoholic beverages.
  • Have non-alcoholic beverages available.
  • Be a responsible host/hostess. Limit your own alcohol intake so that you will be better able to judge your guests’ sobriety.

Whether you are hanging out with a small group of friends for cocktails or throwing a big family bash, remember that a good host is a responsible host, and needs to take steps to ensure their guests' safety. 

Have a wonderful and safe holiday season!

Categories: Home Tips, Liability, Property Maintenance,

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,

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,

Hosting A Grad Party?...

June 2, 2016

It's that time of year!  Are you hosting a party for your graduating teen?   If you are having the party at your home you might think there is nothing to worry about.  Well, that is not necessarily the case.

Here’s a scenario to think about. Your child is graduating from high school and you throw a nice backyard bash to celebrate the occasion.  You’ve warned your teen and the friends that there will be no underage drinking at this party. Your young grad and friends have never given you any trouble, so you trust them.  Therefore, you are shocked to learn the next day that a few of the friends smuggled some beer into the garage and proceeded to get drunk right under your nose.  They then got in a car and wrapped themselves around a tree.  Shock turns to confusion when you are sued for negligence by the parents of the kids in the car.  You call a lawyer and self-righteously protest  “We’re not liable!  We told those kids they were not allowed to drink in our home!”  Guess again.  Your statement will probably matter little to a jury staring at a paraplegic victim.

  • Don’t serve alcoholic beverages to minors.
  • Pay attention and monitor your young guests.
  • Discuss rules and consequences before a problem occurs.

It is a good idea to have a talk with your child.  Let them know the implications of their choices and how it can affect you as well. You want everyone to enjoy the party and celebrate what really matters, your child and their great accomplishment!I

It's also important to review your current liability coverages with your agent.

Finger Lakes Fire & Casualty Co. wishes all the graduates best wishes in their future to come!
Congratulations Class of 2016!

Categories: Liability, Special Bulletins,

Low- Risk Land Lording…

March 21, 2016

Learn how to protect your rental property from common mishaps and risky situations. Reduce likelihood of lawsuits, harm to tenants and guests, damage to your property, and financial distress.

Get the Right Insurance for Your Property – Review and discuss your current policy with your Agent.

Provide a Safe Environment – Keep your property safe so that people don’t get hurt.  Regularly inspect the property for hazards.

Maintain the Property – Install hard-wired smoke detectors, child-safe windows and have well-lit hallways and walkways.

Require all Tenants to Have Renters’ Insurance Coverage – Include a clause right in the lease that requires all tenants to provide proof of renters’ insurance coverage prior to occupying the premises.

Create an Emergency Procedure – Provide your tenant(s) with a manual that has an evacuation plan that’s tailored to your property.

Operate your rental unit in an Honest, Ethical, Professional manner.

Reach out to one of our Independent Agents today to see if you are getting the best price and coverage for your landlord’s insurance.

Categories: Liability, Property Maintenance,

Can You Be Sued For A Million Dollars?

March 3, 2016


  • If you operate a vehicle and get distracted while driving, you are at risk.
  • If you own a swimming pool and it causes injury to someone while on your property,you are at risk.
  • If you own a boat and injure a water skier while boating, you are at risk.
  • If you host a party with alcohol, you are at risk.

Personal umbrella insurance is additional liability insurance.  Coverage starts with limits of $1 million and offers coverage where your homeowners or auto policy coverage ends.  It’s designed to pay out above your existing insurance policies.  It can be added to your existing policy with just one phone call to your local agent.   It’s inexpensive and easy to buy.  It’s a good value for the peace of mind it gives.

Categories: Enhanced Coverages, Liability, Products,

Commercial Package Policies

February 8, 2016

What is a Commercial Package Policy?  It’s a type of package policy that bundles coverages together for several things including liability, property, boiler & machinery and other optional coverages.   The options available create flexibility that allow a Package to be customized for most kinds of business.

When it comes to your business, no matter how careful you are, someone can sue you for matters related to your company’s operations and you could be found legally liable for negligence.  Your business being properly insured is critical to protecting your financial security and success.

Do you have questions about Commercial Package Policy?  Contact one of our Independent Agents today to answer any questions about Commercial Package Policies.

Categories: Enhanced Coverages, Liability,

Tips For Hosting A Safe Super Bowl Party

February 5, 2016

The Super Bowl is this Sunday.  Many of us are planning parties and inviting family and friends into our homes to enjoy the big event.  Party hosts need to understand their responsibilities when inviting people into their homes and serving food and drinks. Before hosting a party for the big game, homeowners/renters may want to consult with their Finger Lakes independent agent to review their policy.  You need to be aware that if someone drives drunk or becomes sick after consuming food at your party, you could be liable.

Ensure your home is safe for guests.  That includes being responsible if providing alcohol to your guests, making sure there are no obvious hazards and generally taking the same precautions for your guests’ safety as you do for your own.

If you want to impress your guests by frying up your famous kickin’ buffalo wings using your kitchen, please use caution and common sense.  To avoid grease fires, serious burns or injuries, never leave cooking food unattended!

Many of your guests will come into your home expecting or even bringing their own beer, wine or spirit of choice. Please remind your guests that while they enjoy their experience and have a good time, they need to drink responsibly.  Calling a cab or having a designated driver is worth far more than any Super Bowl title.

Categories: Liability,

Ringing In The New Year!

December 30, 2015

If you are planning a New Year’s party, here’s a few safety tips to keep in mind.  Although they may seem obvious, statistics suggest far too many get ignored.

Serving Alcohol?

  • If drinkers have not prearranged a designated driver, provide one. Or call a cab.
  • Remind guests to monitor their alcohol intake.
  • Encourage drinkers to eat hearty to avoid drinking on an empty stomach.
  • Bring out coffee and a final dessert or snack to let guests wind down before heading home.
  • Provide plenty of alternative nonalcoholic beverages. Drinkers can slow down their intake.

Other precautionary measures…

  • Keep candles a safe distance from drapes, paper decorations and other flammables.
  • Prepare emergency plans for escaping fire.
  • Keep your home entrance well lit and paths clear to avoid falls.

Are the liability limits high enough to protect your family’s financial well-being and way of life if a claim is made against you?  Contact your local agent to review your coverages and options.

New Years Eve is one of the most dangerous holidays of the year due to the increase in drunk driving.  Put as much thoughtfulness into safety concerns as you do planning the party, and your holiday festivities are remembered for the pleasure, not the pain.  Be a responsible host!



Categories: Enhanced Coverages, Liability,

Protect Your Small Business…

April 22, 2015

Business insurance is a necessity for even the smallest company in order to protect and maintain its financial health.  You seek to control losses and prevent bodily injury and property damage.  But accidents happen.

Know your coverage for your business.  Know what types of losses apply.  Know what’s not covered.  A Business Owners Policy (BOP) offers a range of coverages that small and medium sized businesses need such as these few examples:

  • Property Insurance – For your building, equipment and inventory.
  • Business Interruption Insurance – To cover losses when business is suspended.
  • Bodily Injury and Property Damage Liability – In the event you or your employees cause harm to others or to their property.
  • Medical Payments – For medical expenses resulting from injury to others on your premises.
  • Equipment Breakdown Coverage – Protects your equipment in the event of damage from a power surge, mechanical breakdown or burnout.

Discuss your concerns with your agent and keep in touch with them as your business insurance needs will undoubtedly change as the nature of your company evolves.

Categories: Enhanced Coverages, Liability, Products,
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