Author Archives: Durkin Agency

Cyber Insurance

Utilize These 5 Tips for Buying Cyber Liability Insurance

Posted on August 25th, 2015 by

Protecting your confidential data from the effects of cyber-thefts and hackers is very important to your livelihood. However, you should consider a comprehensive cyber-security insurance policy for complete coverage. The following tips will help make the best decision.

Cyber Insurance

Source: Pixabay

  • Protection for unencrypted devices. The devices that you use outside of the workplace may not be encrypted and may need special coverage to protect information.
  • Data restoration coverage. If it is likely that your computer system can be breached, be sure that you have a policy that will cover the costs that you will incur to replace and improve your computer system.
  • Corporate client coverage. Many policies cover the data of individual clients. You should have a policy that covers the data of your corporate clients also.
  • Resolution of identity theft. Once identity theft has been recognized, will the cost of resolving the identity theft issue be covered under your policy?
  • Third party protection. If you transmit information to third party companies, will that information be covered?

These are some things to consider when you are purchasing cyber-liability insurance. Comprehensive coverage will protect you, your individual and corporate clients and third-party companies. Contact Durkin Agency, Inc for more cyber-liability insurance information.

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4 Considerations for Shopping for a Safe Car

Posted on August 20th, 2015 by

For many, safety is one of the biggest priorities when choosing a vehicle. The road poses many hazards, and drivers feel more secure knowing that their pick can handle them. There are a few factors to look at when assessing whether a vehicle meets your safety criteria. OLYMPUS DIGITAL CAMERA

  • Crash test results. The IIHS (Insurance Institute for Highway Safety) releases annual reports that provide crash test results for a variety of vehicles. Not only can you look at individual results for vehicles you’re interested in, you can also view Top Safety Picks, which might point you in the direction of your next purchase.
  • Safety features. Today’s vehicles come loaded with safety features. Some things to look for include anti-lock brakes, an excellent restraint system, multiple airbags, daytime running lights and other features that enhance safety.
  • On-the-Road Characteristics. Is the vehicle you’re looking at known for frequent rollovers? Do people tend to drive the make/model too fast? Look at what characteristics make a safe vehicle, and aim toward picking a one that fulfills those.
  • Structure. Look at the overall structure, size and weight of a vehicle. All will play a role in its safety.

To find out more about safe vehicles, contact us.

SI Injury

Avoid These 5 Mistakes When Dealing With Workers Compensation Claims

Posted on August 15th, 2015 by

When an employee is injured on the job their medical bills along with compensation if they are unable to work are handled under workers’ compensation insurance. Often claims are put on hold or even denied because of these easily corrected mistakes.SI Injury

  • Always instruct your employees to report each and every accident or injury, no matter how minor. Each state has regulations concerning time limits on when an injury must be reported and a claim filed.
  • It is vital to always hire employees that are actually skilled in their job responsibilities or provide necessary on-the-job training. Written safety rules should be in place and someone in charge of making sure they are being followed.
  • Always stay in touch with your insurance agent so the claim is handled properly and nothing is overlooked.
  • Set up a modified or “light duty” work schedule in the event an employee can return to work but not in their regular position.
  • Check that your human resources department is familiar with all state and federal workers’ compensation laws. This is the best way for employees to receive timely and adequate medical treatment.

Searching for workers’ compensation insurance for your business? Contact Durkin Agency today for assistance.

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How to Insure Your Condo or Co-Op

Posted on August 10th, 2015 by

While exciting to purchase a condo or a co-op, there are also practical matters that must be taken care of, such as getting insurance for your new home. Make note of the following important things to know when it come to insuring your home. andy 225 (1)

You will need two types of insurance policies. First, you will need to purchase a personal policy that will cover your personal items and cover additional expenses if there is a fire, etc. This includes liability. You will also need to make sure that a “Master Policy”  is provided by the co-op or condo board. This policy covers shared areas, such as the roof, elevator, and walkways, both property damage and liability.  A master policy can only be purchased by a co-op and/or condo board.  Master policies are sometimes required for mortgage purposes, but not always necessary.

Make sure you know which structural parts are covered by co-op/condo policy and which parts of your home are not covered.

Also, ask your insurance agent about additional coverage, such as umbrella liability, flood and/or earthquake policies, and additional coverage for expensive jewelry, furs, and collectibles.

Go with an insurance agent that specializes in policies for condos and co-ops.

If you have any questions about insuring your condo or co-op or have any questions, don’t hesitate to contact us at Durkin Agency, Inc.

SI Home Insurance

Get a Better Understanding of the Deductible in Your Policy

Posted on August 5th, 2015 by

When you choose your insurance policy, you need to spend time considering the pros and cons of your deductible options. While it’s true that the higher deductible means a lower monthly premium, if you do experience a mishap it’s also the out of pocket expense you’ll have to deal with. Your goal is to find the option that best works with your financial situation.SI Home Insurance

What few people realize is that the deductible is a tool insurance companies use to encourage drivers to use caution while they’re behind the wheel. The hope is that knowing you will be responsible for at least part of the damages will encourage you to drive defensively.

The best way to make sure you’re able to cover your deductible if you are involved in an accident is making sure you have the money saved. The best way to prevent yourself from spending the deductible is by placing it in an account at a bank you don’t regularly use.
If you have any questions about your current insurance policy, the amount of your deductible, or would like to discuss a new insurance policy, please feel free to contact us!

Lawnmower

Summer Safety Tips: Be Safe While Mowing Your Lawn With These 4 Safety Tips

Posted on August 1st, 2015 by

Sometimes things we do frequently become so second nature, it’s easy to forget about personal safety.  Every year injuries and deaths occur as a result of lawnmower accidents.  Make sure to observe these lawnmower safety tips every time you cut your grass to help avoid injury.

Lawnmower

Source: Wikimedia

  1. Know your mower – If you have a new mower, read the instructions and get to know the controls and how to stop it quickly if necessary.
  2. Wear protective clothing – Steel toe shoes are ideal.  But at least wear ones with enclosed toes and non-slip soles.  Avoid sandals.  Hearing protection should also be worn.
  3. Be aware of your surroundings – This includes not only looking out for hazards like rocks that can be thrown from the mower, but looking out for children and pets too.  It’s best if they wait indoors.
  4. Unclog carefully – If you need to unclog the mower make sure to disconnect the spark plug first so that the mower can’t accidentally start.  And be careful around the blade.

Knowing you’re protected if something bad happens can provide peace of mind.  If you would like to discuss your insurance needs contact Durkin Agency today!

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Learn More About Historic Englewood

Posted on July 26th, 2015 by

The community of Englewood has a fascinating history that you can explore with the Englewood Historical Society. Learn more about your city this spring by getting out and exploring. You can also find detailed information about Englewood’s history on the Englewood Historical Society wikiDSC_5760

The area that today makes up Englewood was inhabited by the Lenni Lenape Native Americans before European settlement began. Trading posts were established in the area in the early 17th century, but it wasn’t until 1859 that the community Englewood was officially registered by J. Wyman Jones. It is uncertain why the community was named Englewood. Two possible explanations of the name include that it comes from the family name Engle or that it is a derivation of the term “English neighborhood”.

Englewood grew throughout the mid-19th century, and the village was incorporated as a city just a few years before the turn of the century in 1894. Today, Englewood’s cosmopolitan atmosphere and close proximity to New York City continue to attract new residents.

Interested in learning more? Explore historic Englewood New Jersey and learn more about your community with a visit to the Englewood Public Library.

SI Injury

5 Things You Need to Know About Disability Insurance

Posted on July 23rd, 2015 by

Disability insurance can be a little confusing for many people. However, if you were to suffer an injury or something went wrong that would keep you from work, you may need it, especially if you’re an independent contractor or freelance employee who doesn’t have regular benefits. Use this guide to learn the top five things you need to know about disability insurance.SI Injury

  1. Worker’s compensation isn’t something you can get if you’re not a full-time employee with benefits in many states. That means that getting hurt could cost you your check after your sick days run out.
  2. Worker’s compensation won’t pay all of the bills even if you are eligible for it. Many people only get about two-thirds of their salary.
  3. Work isn’t the only cause of disability. If you get into a car accident for example, work won’t cover that if you did it on personal time.
  4. Social Security disability benefits aren’t for everybody. Stats say about 65% of people who apply are denied.
  5. Benefit levels and periods vary. Always check how long and how much disability insurance will cover before picking any particular policy.

Contact Durkin Agency to learn more about disability insurance.

Mark-Gallery Painting

Check Out the Exhibitions at the Englewood Mark Gallery

Posted on July 20th, 2015 by

If you have some time on your hands, you love art and you’re looking for some things to see in Englewood, the Mark Gallery is awaiting your arrival. The recent winter Landscapes exhibit has drawn to a close, but the permanent collection offers plenty for lovers of oil, watercolor, sculptures, photography and other artistic media.

Mark-Gallery Painting

Source: Mark-Gallery

The Mark Gallery exists thanks to the passion, knowledge and work or Arielle Mark, who is both a Sorbonne-educated artist as well as a renowned art and international business law attorney. Her experience in the art world has allowed her to develop friendships with some of the world’s most accomplished contemporary artists.

This relationship ensures that the Mark Gallery always has a diverse collection of art on display. Paintings by Jackie Bettenfield, Roger Bechtold, and more than twenty more painters are exhibited in the gallery. If sculptures are your thing, you’ll enjoy the work of Karel Zijistra and Mary Ellen Scherl.

Check the Mark Gallery website for the upcoming spring exhibition announcement. Until then, read our blog for ideas about more things to see in Englewood as well as advice about selecting the best insurance for your situation.

New Jersey Home

Keep Your Belongings in Off Site Storage Insured With These 3 Tips

Posted on July 17th, 2015 by

The belongings that you keep in a storage unit deserve extra protection to ensure that they maintain their good condition and value. Luckily, you can get extra protection for the stuff in your off site storage unit with the help of these tips and tricks:

New Jersey Home

Source: Wikimedia

Talk to the Storage Facility

Many storage facilities offer reimbursement for things that are damaged or stolen depending on the unit size they are kept in. You may be able to get your hands on supplemental insurance through the company you store your stuff with.

Inquire about Offsite Coverage

Your personal homeowners insurance may already cover some of your belongings that are kept in a storage facility, but it probably won’t be full coverage. Find out what’s covered in your current policies and get supplemental coverage for the things you need.

Get Special Insurance for the Expensive Stuff

If you are storing rather expensive belongings, such as jewelry and artwork, ask your insurance provider to add a floater to your current home insurance policy. This will ensure that you get full cash-value if you have to file a claim.

Contact us for more information about getting insurance for your offsite belongings today.