We want to make sure you are covered properly and educated on your coverage so you are prepared if a claim happens! Did you know if a property is vacant for a consecutive 60 days, any vandalism or theft is excluded? It is important to know what you are covered for, not all policies are […]
Replacement Cost– Let’s Talk About Loss Settlement
What would happen if you lost your house to a fire and decided not to rebuild? Will the insurance company pay out for the entire amount to replace your home? If you are insured for replacement cost and insured for the correct amount to replace/rebuild, you will get a check from the insurance company in […]
Co-Insurance and Replacement Cost- Are You Insured Properly?
Is your building insured for what it would cost to rebuild it? Co- insurance is the required amount you need to insure your property for the insurance company to pay the full amount in the event the building needs to be rebuilt. If your co-insurance requirement is $100,000 in coverage, but you only insure for […]
Is Your Business Ready to Reopen?
Exciting news is approaching quickly. We all need to be ready to OPEN and know what that looks like for each of our businesses. Safe Work Place: Re-opening requires a business have a written safety plan in place. NYS -DOH Safety Template is available to follow. (see link below). This plan does not […]
Hopmeier Evans & Gage Teamed Up With Albany Distillery to Help LOCAL First Responders!
Hopmeier Evans & Gage and Albany Distillery partner up to provide sanitizer to VFD – Volunteer Fire Districts / Fire Companies. Go Local and go strong! #Staylocal #localhelp #insurancehelp #localfiredept #COVID19giveback
Bar and Restaurant Owners Have Options to Lower Their Premium Due to COVID-19
Due to COVID-19 your bar or restaurant may be closed or down in sales, this means that your revenue for the year may not be what you projected! Your insurance premium is based off of your yearly revenue, so give us a call to discuss your options to lower your insurance! #reducemybarinsurance #COVID19insurancehelp #fixmybarinsurance
Driving for Uber or Lyft? I Want to Tell You What is Missing in Your Coverage!
When the COVID-19 pandemic subsides, there may be some individuals that are unemployed or furloughed waiting to get back to work, who may consider driving for Uber or driving for Lyft to make some extra money. If you are new to Uber or Lyft, you need to ask yourself this question–What do I need […]
Rideshare Coverage — Are You Insured for Uber and Lyft?
If you didn’t know already, most insurance companies exclude coverage when a vehicle is used for “public or livery services”. Transportation Network Companies, like Uber or Lyft, provide coverage when a customer has been matched, the driver is in route to pick up the customer and when the customer is being transported. Your personal auto […]
NY-DFS New Policy Payment and Cancellation Rules
04/06/2020 Dear Policyholder, A recent Executive Order issued by Governor Cuomo, together with recent amendments to the insurance and banking regulations (the “regulations”) issued by the New York State Department of Financial Services (“Department”), extend grace periods and give you other rights under your life insurance policy or annuity contract if you can demonstrate financial […]
Business Insurance Premium Reduction Options and Delivery Coverage– COVID19
The premium for your business liability or Workers Compensation Policies might be able to be reduced, due to decline in sales or your payroll. Also, if you are now delivering items,you may have a gap of coverage on your business liability policy. Hopmeier Evans & Gage Agency is not your average insurance agent, BUT being […]