Lower Your Business Insurance Rate

Here is an excerpt from a new blog post at GreggMarcus.com:

It can be said that small businesses are the backbone of the American economy.  The younger businesses are where individuals apply creativity, ingenuity, and apply the greatest amounts of innovation. Though, when a business fails it can be deeply saddening on many levels. The loss of jobs, income and investments all take place when a business goes under.  With several variables at large, it is difficult to pinpoint when and where a business may fail. It can at times involve a product or service that the public isn’t interested in or other various reasons.  In this post, Long Island Insurance Executive, Gregg S. Marcus explains why business insurance is so important for a company to possess.

In order to help business firms find redress in these dire situations, insurance companies have devised policies in order to protect them from any unlikely situation that may come their way.  These policies are brought into place and designed to provide indemnity to the company, should anything beyond their control.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

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Saving Money on Your Homeowner’s Insurance Policy

Here is an excerpt from a new blog post at GreggMarcus.com:

Residents throughout the country are always looking for ways to cut back on their expenses and tighten their household budgets. A great way to start is by reviewing your homeowner’s insurance policy. Homeowner’s policies can vary greatly from one home to another. It is always recommended that you shop around in order to find the best possible insurance rate. In this post, Gregg S. Marcus, a Long Island Insurance Executive explains the most efficient ways to select and save on your homeowner’s insurance policy.

Inquire About Discounts
Ask your insurance provider if they offer any discounts for bundling policies, say a homeowners and auto policy. At often times if you hold multiple policies with the same insurance company they will offer you some form of discount or special deal. Some companies can offer a savings of up to 15%.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


HOW TO: Stay Safe in Your Vehicle

Here is an excerpt from a new blog post at GreggMarcus.com:

Though improvements in technology help to lower the number of car accidents that occur each year, it still remains that most accidents are the result of human error. In order to lower your risk of getting into an accident it is vital to practice safe driving skills. Regardless of whether you are a first time driver or have been behind the wheel for many decades, in this post, Gregg S. Marcus, a Long Island Insurance Executive advises that everyone follow these same safety precautions:

Slow Down!
It goes without saying that driving the speed limit is one of the simplest ways to stay safe. The old expression “speed kills” proves to be true. Studies have shown for every mile per hour you drive over the speed limit you are 4 or 5% more likely to get into an accident. With this logic while traveling ten miles past the speed limit (which happens quite often) you have nearly a 50% more likely chance of being part of an auto accident.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


Steps to Prevent Your Pipes from Freezing in the Winter Months

Here is an excerpt from a new blog post at GreggMarcus.com:

Those who have experienced the misfortune of having a pipe burst know the devastating impact it can have on one’s home. The broken pipe itself is a relatively minor inconvenience, though the immense amount of water that flows from within can become quite a disaster. The running water leaking through your walls and ceiling may result in a major reconstruction project which could cost you thousands of dollars. Not to mention the damage that could occur to drywall, furniture and appliances. Gregg S. Marcus, a Long Island Insurance Executive suggests these tips to try and prevent this awful experience:

  1. It is important to plan ahead and investigate which pipes may potentially freeze. Prime candidates for freezing include water pipes that run through unheated spaces in your home as well as pipes running through walls to the outside of your house.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


Why You Need Car Insurance Even If You Don’t Own a Car

Here is an excerpt from a new blog post at GreggMarcus.com:

Most individuals erroneously believe because they don’t have a car that they don’t require auto insurance. Contrary to this belief, it is important to know that some form of insurance should cover anyone who wishes to drive at some point, even if it is not their vehicle. Needless to say, everyone who drives should be insured. In this post, Gregg S. Marcus, a Long Island Insurance Executive explains why it is so important to be insured, even if you don’t have a car.

Regardless of whether or not you own a vehicle, you should be covered in some way or another by an auto insurance policy, which meets the criteria of the specific state you live and drive in. Even though the car you borrow or rent may be covered by its own policy, the drivers must also hold their own personal insurance coverage. If you were to get into an accident for which you are liable you would have no financial liability without said insurance policy.

If you do not own a car and never drive then it is true that there is no need for you to purchase auto insurance. But if for some reason you are going to be at one point or another behind the wheel of a car, you must be insured. It is not just a legal concern to make sure that you are insured under your own policy, but it is vital in order to protect yourself from potential financial troubles.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


HOW TO: Reduce Basement Flooding Risk

Here is an excerpt from a new blog post at GreggMarcus.com:

It is not uncommon for rain showers to wreak havoc on any home’s basement, no matter the location. Simply resolving an obvious gutter or downspout leak can solve most basement water problems. Though a few water problems may have some causes that are difficult to identify and fix. In this post, Long Island Insurance Executive, Gregg S. Marcus, explains how most basement flooding issues can be solved using three basic steps: Evaluate, Inspect, and Install a Solution.

Evaluate the Problem
It should be noted if you cannot locate the source of the problem yourself that it is important to contact a professional. In order to properly evaluate your problem you must answer these questions:

  • Does the basement flood every year at approximately the same time?

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


Understanding Your Insurance Policy

Here is an excerpt from a new blog post at GreggMarcus.com:

An insurance policy is a legally binding contract between an insurance company (the insurer) and either a person or business (the insured). Reading your policy helps you to confirm whether or not the policy meets your needs and also to clarify what the responsibilities of you and the insurance company are, especially when a loss occurs. Many individuals who take on a new insurance policy fail to carefully read what they are signing into and inadvertently pass over any exclusions or conditions that may affect them greatly. In this blog post, Gregg S. Marcus, a Long Island Insurance Executive explains what to look for when you are reviewing your insurance policy.

The four basic sections found in almost all insurance contracts are:

  1. Declaration Page
  2. Insuring Agreement
  3. Exclusions
  4. Conditions

The declaration page is the first part of any insurance contract, this section declares who is an insured, what risks or properties are covered, the policy limits, and the amount of time the policy is in effect.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.