Adjusting your Insurance Coverage as Your Business Develops

2/1/2012 8:01:35 AM
As your business expands and develops – which is what every business owner would hope for – you need to keep an eye on your changing insurance needs. The Long Island business insurance package you bought when you were starting out won’t necessarily offer you appropriate coverage over the lifetime of your business.

Too Old for Life Insurance?

1/31/2012 12:37:25 PM

If you’re a senior citizen, it’s a mistake to buy a life insurance policy before you weigh the costs of coverage against the benefits it will provide for you and your heirs. When you’re an adult with a spouse, young children or others who depend on you, it makes sense to have a policy that will replace your income if you die. As you age, however, life insurance quotes can become prohibitively high.

Is there ever a point when life insurance is so expensive that it’s no longer is appropriate?

“The short answer is yes,” says Matt Rowles, a director in advanced marketing for individual life insurance at Prudential Financial. “Old age and poor health will certainly drive up the cost of insurance. If it drives it to a point where it makes little financial sense, that is probably the point where life insurance is not appropriate.”

Sometimes its best to take a step back, take a deep breath, and totally assess the situation. Luckily for you, were here to help you in every sense of the word. Contact us to review your life insurance plans and any other questions you may have regarding the insurance industry.

Beef up the Security for your Home and Get in Multiple Benefits

1/26/2012 6:10:08 AM
Security for your home may be of paramount importance to you and your family and also for your home insurance. NY is a big city with a high crime rate and incorporating extra security can help protect your home and your family. It may also help lower the premiums for your insurance coverage.

What To Do If A Pipe Freezes

1/19/2012 8:41:19 PM

If a pipe freezes:


To prevent a frozen pipe from bursting, open the faucet it supplies with water. Then add heat to the area where the pipe is located. (Do not use an open flame device).

• Turn off the water supply to that line.
• If a pipe does burst, immediately turn off the water supply to your property.
• Know where your main water emergency shut-off valve is located.
• Get any standing water out of the house ASAP.
• If the worst does happen know that Narragansett Bay Insurance is here to help with emergency services 24/7.

Converting your Business to an Online Operation

1/19/2012 1:02:46 PM
Like many business owners, you may be finding things pretty tough financially these days. It could be time to look at some different options if you want to maintain financial viability. Many businesses are closing their doors and going online, so that may be one way you can keep trading with lower overheads. There will be implications for your Long Island business insurance, so you need to investigate how best to adapt your coverage.

Frozen Pipe Prevention

1/18/2012 6:16:46 PM

As temperatures drop below freezing, many homeowners face the inconvenience and expense that comes with frozen water pipes. Here are some tips on how to prevent these inconveniences from happening.  


How to prevent frozen pipes 

• Pipes that have frozen in the past or near exterior walls are obvious candidates for special attention.
• Insulate areas where vulnerable pipes are located.
• When insulation isn't enough, consider pipe wrappings embedded with electrical coils (heat
tape) that provide an outside source of heat.
• Remove hoses from outside yard faucets. The faucets can't drain properly with a hose
attached and will freeze and break if the hose is left attached.
• Turn outside faucets off from inside the home using the isolated shut-off for exterior faucets.
• During severe cold weather, resist the urge to lower your thermostat to save money while
you are gone for the day.
• Open the doors to kitchen and bathroom cabinets under your sinks so heat from the room
will help warm the pipes.
• Running water doesn't freeze very readily. During severe cold weather, keep water trickling
out of faucets or spouts attached to vulnerable pipes.
• If you have a sprinkler system, drain all outdoor pipes and turn off the water supply to the
system.
• Know where your main water emergency shut-off valve is located.

For any questions leave a comment or contact us by phone or computer. Stay tuned for more frozen pip prevention tips to save you money.

Don’t Assume you’re Covered – Read your Home Insurance Policy

1/16/2012 5:57:41 AM
NY home policies may have a number of exclusions and it’s better to know what they are and take out extra coverage if you feel you need it, rather than assume you’re covered and find out you’re not when you make a claim.

Snow Shoveling Safety

1/12/2012 5:42:26 PM

The good news is that 15 minutes of snow shoveling counts as moderate physical activity, according to the Surgeon General’s Report on Physical Activity and Health (1996). We all should aim for at least 30 minutes of moderate physical activity of some kind on most days of the week.

A 170-pound person shoveling for 30 minutes will burn about 250 calories. Brisk walking or social dancing are other ways to fit in moderate physical activity during cold winter months.


The bad news is that researchers have reported an increase in the number of fatal heart attacks among snow shovelers after heavy snowfalls. This rise may be due to the sudden demand that shoveling places on an individual’s heart. Snow shoveling may cause a quick increase in heart rate

and blood pressure. One study determined that after only two minutes of shoveling, the heart rates of sedentary men rose to levels higher than those normally recommended during aerobic exercise.

Shoveling may be vigorous activity even for healthy college-aged students. A study performed by researchers at North Dakota State University determined that, based on heart rate, shoveling was a moderately intense activity for college-aged subjects most of the time but was vigorous activity during about one-third of their shoveling time of 14 minutes.

The weather can make shoveling more difficult. Cold air makes working and breathing hard, which adds some extra strain on the body. Shovelers also are at risk for hypothermia, a decrease in body temperature, if they are not dressed correctly for the weather conditions.

This information is not meant to scare you into going out and buying a snow blower. Homeowners on Long Island usually don't have that much driveway and sidewalks so the task is not that demanding. If snow should turn to ice, be very careful and remember to lay down salt for walkers. Its absolutely crucial to make sure your homeowners insurance is updated. Enjoy the snow.

Diamonds are Forever

1/9/2012 11:24:35 AM
NY is generally a safe place to live considering the population, but it’s always worth a simple phone call to make sure your coverage is sufficient, just in case.

The Snow is Coming. Are You Ready?

1/5/2012 6:06:41 PM

Although the Winter may seem warmer than usual, the snow is inevitable. Will you be snow plowing this year? Don't let the snow catch you off guard. Call us today for a quote on your Commercial Auto insurance.

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