Using Personal Insurance For A Work Vehicle Can Be A Costly Mistake

Monday, November 17th, 2014

commercial auto insuranceAs a small business owner, looking for ways to lower costs is always a top priority. Using one vehicle for both personal use and work is simple way to save a great deal of money. So it is understandable that these same small business owners are tempted to insure their vehicle on their personal policy to save some money. The rationalization that the vehicle is “also” their personal vehicle as well as their work vehicle make sense; so why not put it on their personal policy? The reality is that your insurance company does not see it that way and will likely not honor your claim in the event of an accident. This could be a very costly mistake that will far exceed any savings on your premium you might gain. Continue Reading »

Why an annual insurance review is so important

Monday, September 15th, 2014

1409071142Many people tend to feel content just by knowing they have insurance. They go about their daily lives all while forgetting about the actual coverage. It is human nature to become wrapped into a comfortable routine that overlooks fine details. However, this can be problematic because gaps in coverage can surface.

As the economy changes so does the price of goods. The cost of raw materials used to build homes can fluctuate significantly over time. Therefore, even if you initially insured your home for full replacement value, you need to Continue Reading »

How to Make Your Home Unattractive To Burglars

Thursday, August 21st, 2014

How to Make Your Home Unattractive To BurglarsNew York is among the top 5 US Cities cited by the FBI and National Burglar and Fire Alarm Association as having the highest rates of burglary and property theft in 2013. It’s a great place to live in but it’s not that secure.

Having home insurance gives homeowners added security that they have a good source of funds in case their belongings are stolen but that’s not all you can do, if you’re a NY homeowner.

You can also take small actions that will deter burglars from even considering your home as a likely place they can sneak into. Continue Reading »

Credit Score vs. Auto Insurance Rates

Monday, July 21st, 2014

1405450364Although it is a controversial practice that has been banned in Massachusetts, Hawaii, and California; the use of credit-based insurance scores is pervasive. In fact, it is reported in a survey by North Shore Advisory, that 92 out of a 100 auto insurers utilize a credit-based insurance score. Fortunately, your credit is only one factor used including your driving record and claims history.

So what should you do?

1.) Monitor your credit and do what you can to maintain a good record. If you are getting high interest rates offers on loans and expensive quotes for your auto insurance policy your credit may be to blame. Continue Reading »

Umbrella insurance: Are you adequately covered?

Thursday, May 15th, 2014

If you have auto insurance, you probably think you have all the coverage you need for yourself, your spouse and your teenage drivers. Likewise, your homeowners insurance will take care of repair costs in case the pipes burst or there’s a fire. But what happens if you get sued?

If your 17-year-old son is involved in a car wreck that seriously injures a neighbor, or if a child gets hurt in the backyard swimming pool, you could face a mountain of medical and legal expenses. If those expenses exceed the coverage provided by your insurance policies, you would be responsible for covering the remaining costs. Continue Reading »

Should I purchase insurance online or through my local agent?

Friday, April 25th, 2014

LocalAgentThe internet has empowered all of us to become more educated consumers.  Shopping online for many items can also save people a great deal of time and money.   So as more of our daily lives go online, some of you may be considering “should I buy my insurance through that website I saw advertised on TV?”.   We don’t think so.   Buying locally through an agency like Kaplan Insurance is still by far the way to go in our opinion.  In fact, many of our new customers are converts who had previously gone direct; but for a variety of reasons, decided they were better served using a local agent.

Here are a few things to consider: Continue Reading »

How to Protect Your Growing Business

Monday, April 21st, 2014

protection for a growing businessYou may have been able to get your small business up and running by yourself but as your business grows, have you made any plans on how you can protect it?

As an entrepreneur, it is inevitable that you’ll need some assistance to fully scale your business. This is the first kind of protection you can have for your business.

You can choose to hire remote or part-time contractors or full-time in-house employees to fill this need. But you still need to find and hire them to get the right people. This might take some time but building a good and strong team will be worth your while in the long run.

Continue Reading »

Should You Get Insurance For Your Home-Based Small Business?

Tuesday, March 18th, 2014

business insurance for home-based businessesAccording to the International Data Corp. (IDC), the U.S. home office market will add nearly 2.0 million home-based businesses by 2015, with over 450,000 net new home-based businesses per year in 2013 and 2014.

This is completely understandable because of the practicality and cost-effectiveness of setting up home-based businesses. And if you’re a consultant, coach, freelancer or the like, you’re probably among these entrepreneurs who have ventured into the home-based business model.

But is getting your practice set up and operating all you need to smoothly run your business from home? Continue Reading »

Better Off Dead?

Tuesday, March 11th, 2014

InjuryWell,  of course not!    But if you are ever unfortunate to have such a disability or illness;  the stress of covering your bills in addition to dealing with your personal wellness can make you feel that you  would be “better off dead”.   Fortunately, a simple disability policy can protect you from this stress and does not have to break the bank.

I often find that many of my customers carry term insurance quotes for seniors over 65 to protect their families in the event they were to die;  but far fewer people think about how to handle the possibility of extended disability due to accident or illness.

According to the Life and Health Insurance Foundation for Education,  1 in 3 workers will miss at least 90 days  of work, and 1 in 5 will be out of work for a year or more before the age of 65.  Disability insurance is designed to cover your expenses when you are out of work and for that reason many refer to disability insurance as “paycheck protection”. Continue Reading »

A New Year’s Resolution Worth Keeping

Saturday, January 18th, 2014

NewYearsListThe start of the new calendar year always spurs a flurry of New Year Resolutions related to well intentioned lifestyle changes; but sadly, it is the rare exception when these resolutions are actually kept. As an insurance broker, however, the one I encourage all my clients to keep is to review their life insurance coverage. These policies can have profound impact on all members of your family; so it is a resolution that is definitely worth keeping.

If you have a family with children, or a non-working spouse, that relies on you for income; you really should have a life insurance policy in place. I usually recommend getting started with a Term Insurance policy. Term policies are quite affordable. These type of policies have no cash value, run for a set period of years usually 10,15,20, 30 years, and pay if the insured were to die during that term.

Continue Reading »

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Kaplan Insurance Agency Inc. | 12 Barrister’s Row - Wappingers Falls, NY 12590