What is an experience modification rate? Business owners in the state of New York with worker’s compensation premiums over $5,000 per year may see a line item that says Experience Modification on their policy. An experience modification rate, also known…
It is important to know that standard property insurance policies, both homeowners and 1-4 family dwellings used as investment property have an exclusion that removes some coverage if a property is vacant for longer than a specific period of time.…
In the article, we are going to give you tips on how to choose the right insurance agent. Now we might be a little biased on who is the best but we want to give you a few suggestions on…
How much will my insurance increase if I file a claim Anytime someone has a potential insurance claim, they ask if I file this claim what will happen to my insurance rates. Unfortunately, insurance agents like us at Crowley Insurance…
Most business owners have a tough time understanding the difference between General Liability sometimes known as Business Liability or CGL and Professional Liability which is also known as Errors & Omissions (E&O) or Malpractice Insurance. In this article, we will…
Do you own a company vehicle? One that is titled, registered, and insured to a business entity. If so, you may be making one of the biggest mistakes business owners make with their insurance. Biggest mistake business owners make on…
What insurance coverage do you need to open a Restaurant? Whether you are in the beginning stages of opening a restaurant or are a 30 year veteran in the business, this article is a good breakdown of the insurance coverage…
What happens if I get hurt in an accident while driving for work? Are you an outside salesperson? Do you have a company vehicle? Do you use your vehicle to run errands or other things for your employer? If any…
What is Flood Insurance? Before we determine if you need to carry flood insurance, it is important to understand what Flood Insurance is. Flood insurance is a type of property insurance that covers a dwelling for losses sustained by water…
What do you do if you have a potential insurance claim? You have a potential insurance claim. You want to discuss what might be covered, what the next steps might be, or just have a conversation. Who is the first…
