Gerry Dolan - USI Insurance Svcs's Blog (14)

Cyber Liability Awareness Month

EVERY business owner has some exposure to Cyber Liability...check out the attached link to my LinkedIn post and signup for USI's Cyber Webinar Series. A better understanding of the risks you face and how to handle them can save you lots of misery, and maybe even save your business !…

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Added by Gerry Dolan - USI Insurance Svcs on September 29, 2022 at 4:55pm — No Comments

Business Insurance Fundamentals

The Types of Insurance a Small Business Needs...

If you are just getting a business off the ground, have bought equipment and started hiring employees, insurance should be top of mind.

There are four types of insurance that most small businesses purchase to protect themselves, and without them one accident or oversight could leave you with liabilities…

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Added by Gerry Dolan - USI Insurance Svcs on September 22, 2022 at 1:27pm — No Comments

Home Inventory Is Crucial for Getting Your Claim Paid

You've had a fire and many of your possessions have been singed to a crisp. It's time to file that homeowner's claim, but can you remember everything that was destroyed?

This is a regular problem for homeowners when they file claims. They just can't recall everything that was lost, let alone how much the items cost. Without that information it will be hard to make your claim and be reimbursed for your loss.

To make sure you don't find yourself in this predicament, one of the…

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Added by Gerry Dolan - USI Insurance Svcs on August 3, 2021 at 9:13am — No Comments

Flood Insurance Rates May Rise Dramatically

As we experience more extreme weather and floods increase across the country, the National Flood Insurance Program is poised to make a shift in how it prices its policies that is expected to have a drastic effect on premiums for many homeowners.

The NFIP's new premium-setting system, called Risk Rating 2.0, will change how the government-run insurer calculates premium rates to better reflect the risk of each individual household.

The new regimen, set to take effect in October…

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Added by Gerry Dolan - USI Insurance Svcs on March 9, 2021 at 11:02pm — No Comments

By Endurance We Conquer !

I , like many other business owners, have been inspired by the challenge of Covid-19 to re-evaluate how I do business and refocus on what will truly add value for my clients.

As an Insurance Professional with 35+ years of experience, I am proud to be able to help people protect the things that matter most to them ; their homes, their cars, their businesses and most importantly, their families. To further my mission, I am aligning my agency into 3 “Pillars of Protection”  to better…

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Added by Gerry Dolan - USI Insurance Svcs on August 23, 2020 at 10:18pm — No Comments

The Cost of Cheaper

Since the Covid-19 health crisis hit our shores earlier this year, I've been busy "quoting" auto insurance in response to a significant increase in demand for that product. For an insurance agent, that's good news, especially in light of the challenges in many parts of our economy. The bad news, is that people are shopping strictly for price. The vast majority of people I’ve spoken to over the past 4 months are either unaware of the type and scale of coverage they really need or are simply…

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Added by Gerry Dolan - USI Insurance Svcs on July 27, 2020 at 12:02pm — No Comments

Small Business Risk Management

As the world edges toward getting back to business, I thought about what a small business owner should be reviewing with their agent, if possible, prior to re-opening. Actually, anytime before you have a loss, is a good time to take a hard look at your Risk Management program. That means identifying and priortizing the risk's that your business faces each and every day and evaluating the potential effectiveness of your insurance program. 

As many have discovered, insurance does not…

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Added by Gerry Dolan - USI Insurance Svcs on June 3, 2020 at 7:10pm — No Comments

Check Insurance Rates before You Buy a Car... At some point you're going to be in the market for your next car, be it used or new. If you've narrowed your search down to the type of vehicle you'd lik…

Check Insurance Rates before You Buy a Car...

At some point you're going to be in the market for your next car, be it used or new. If you've narrowed your search down to the type of vehicle you'd like to own, you should check insurance rates before you buy.

Often we will get calls from people who bought a new vehicle and gave no thought to the insurance rates and who were shocked to learn that, in some cases, their monthly premiums were more than their monthly car payments. That…

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Added by Gerry Dolan - USI Insurance Svcs on May 29, 2020 at 11:11am — No Comments

COVID-19 Cyber Threats - Checklist for a Remote Workforce

Thought I'd share a link to a terrific article highlighting the risks business owners now face in a remote work environment and the steps we can take to manage those risks and ultimately thrive in the new world we operate in...…

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Added by Gerry Dolan - USI Insurance Svcs on May 6, 2020 at 9:20am — No Comments

Risk Management

Just thought I'd share a link to an insurance industry resource page that contains articles dedicated to helping individuals and business owners deal with the economic effects of the COVID-19 virus. And especially for small business owners who are vulnerable to business interruption.

If you own a business, it may be a good idea to reach out to your insurance agent for a policy review... get a handle on what's covered, what’s not and come up with a "risk management"…

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Added by Gerry Dolan - USI Insurance Svcs on March 15, 2020 at 6:30pm — No Comments

Homeowner's Liability Goes Beyond Your Home



One misconception about homeowner's liability insurance coverage is that it only covers incidents in the home.

In fact, the coverage under the comprehensive personal liability portion of your homeowner's policy is generally not limited by location. It is, however, limited by the liability caps on your policy.

Here are some examples of what likely would be covered by the personal liability portion of your policy:

Sports incidents. For example, you are playing golf…

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Added by Gerry Dolan - USI Insurance Svcs on February 28, 2020 at 12:28pm — No Comments

My Mission Statement

Nothing describes your company like a well thought out personalized mission statement. From the heart, it explains not just what your business is, but why you're in it.

So,here goes my "expanded" version... thanks for reading !

Gerard T. Dolan Insurance Agency

AGENCY MISSION

Our mission is to provide financial security & peace of mind to families and business owners in our community. We’ll do this by providing professional advice, caring attention and personal…

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Added by Gerry Dolan - USI Insurance Svcs on November 30, 2019 at 4:08pm — No Comments

Annual Insurance Review is Crucial to Your Growing Business

One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities.



Let's say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. If you still have the same insurance coverage as you did a decade ago, or even three years ago, the chances are high that you are underinsured.



To make…

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Added by Gerry Dolan - USI Insurance Svcs on November 1, 2019 at 10:54am — No Comments

Homeowners Insurance for Long Island

Great "Insurance" News for the Long Island and Greater New York area... Plymouth Rock Assurance is open for homeowner insurance business on Long Island.

There are several key advantages ...

* NO Coastal Restrictions - product is available throughout the downstate market.

* Building construction date as early as 1870.

* Replacement Values up to $3M.

* "Guaranteed" Replacement Cost on dwelling available by endorsement.

What this means for…

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Added by Gerry Dolan - USI Insurance Svcs on October 2, 2019 at 9:22am — No Comments

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