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Poor Quality vs. Low Price

As consumers in a distressed economy, we have all found, and continue to search for, ways to cut costs and save money. Prior to spending a hard earned dollar, we take a closer look at the value of what it is we are purchasing. When it comes to your insurance needs, determining the value of the product and service you are receiving versus the cost can be difficult. A couple examples to consider: • Over the past several years, as E&O premiums have continued to increase,

Residential Fire Awareness

According to a recent U.S. Fire Administration study, on an annual basis, fire departments across the country are called to 360,900 fires, resulting in “2,495 deaths, 13,250 injuries and $7 billion in property losses.” This research also found that residential building fires peaked between 5:00 to 8:00 P.M., typically while people are cooking dinner. What can be done to reduce the likelihood of a death, injury or property loss as a result of a residential fire?

Are Insurance Costs Too High

Here are a few tips from North Creek that might help: • Bundle your policies. Most insurance carriers give a discount for having both your home and auto policies. • Take a defensive driving class to reduce your auto premium. If you take this class, you will see a 10% discount off the collision, liability, and personal injury protection premiums on your policy, especially if you have a new driver in your family. This is a great way to save money

Exchanges Explained

An Exchange is a New York State marketplace where small business employers, sole proprietors and individuals may shop for health insurance plans. The Exchange is an addition to your current health insurance options. There are two parts to the Exchange: 1. the Small Business Health Option Program (SHOP) 2. the sole proprietors and individuals program (Individual Exchange) The Exchange is a means of shopping

Large Employer Update

The Treasury Department has confirmed that the 2014 mandate for employers with 50 or more full-time workers has been delayed until 2015. This means that employers will not be subject to Federal penalties for not providing qualified health insurance in 2014. The Affordable Care Act requires that all employers with 50 or more full-time workers provide health insurance

The price of success is hard work, dedication to the job at hand, and the determination that whether we win or lose, we have applied the best of ourselves to the task at hand.

— Vince Lombardi

The price of success is hard work, dedication to the job at hand, and the determination that whether we win or lose, we have applied the best of ourselves to the task at hand. —Vince Lombardi

Accidents In the Wild West

Jon Barron, our branch manager in Colorado Springs, recently was involved in three accidents within a week. All were minor and all were the fault of other drivers within a slippery one-mile stretch of mountain road. One of the other drivers was fully insured, one was uninsured, and one was possibly underinsured. Because Jon carries full insurance coverage including collision, underinsurance, and uninsurance on his vehicles, his insurance company paid the bill to get the vehicle fixed. The insurance company then handled all other negotiations and collection.

The Service Corner

It’s Spring!! GO GREEN!! Policyholder Paperless Option NOW available! Electronic delivery of your policy, and policy related documents, is a new service we offer. We are dedicated to doing our part to make our world a happier, healthier, and cleaner place. Now, you can do your part to reduce paper waste, limit deforestation, and generally protect the environment. We are using

Flood Zones

Our small town of Johnsburg experienced its 100 year flood in April 2011. Never before, in the memories of our local oldtimers, had the Hudson River overflowed its banks, crossed the railroad tracks, and been only feet away from Main Street, North Creek. The North Creek Woodworking plant was not able to open its doors again for business. Six men permanently lost their jobs; some of them had been

Using Eggs to Teach Students

Josh Crowder recently visited an elementary school to share about risk management and insurance. After a brief introduction, he pulled out eggs to teach about risk and various forms of risk management. The students understood avoidance, reduction, transfer, and retention. We love to teach our clients... and future clients. Let us help you learn what you need to know about insurance and risk management.