Dear Nonprofits: A Small Business Owner's Guide to Service with Purpose





Dear Nonprofits: A Small Business Owner's Guide to Service with Purpose



First installment of the blog series...



Prologue: The Tale of the Blossoming Bookstore



Once upon a time, in a bustling little town nestled between…

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 !…

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…

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…

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…

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…

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…

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…

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…

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...…

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"…

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…

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…

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…

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…