In today’s economy, everyone is pinching pennies. You’ve heard about umbrella insurance coverage, but is it worth investing in? What is Umbrella Insurance? Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result, it helps protect your assets and your future. It does
The annual apparition of spooky skeletons, broomstick-riding witches and carved pumpkins is a sure sign fall is well underway. Second only to Christmas in terms of how much consumers spend on decorations, Americans of all ages seem to love celebrating Halloween. The Halloween spirit has spread to the inside and outside of the home as
One of the principal cost drivers of workers’ compensation claims are medical expenses for the treatment of job-related injuries and illnesses. Important indicators of how some claims become high dollar expenses are claims with a comorbidity diagnosis (multiple medical conditions or ailments) which, studies show, are likely to generate twice the cost of other claims.
If you love the water, few things are better than boating season. Summer just wouldn’t be summer without spending those long, hot days on Lake Erie or cruising down the Canal. With Memorial Day just around the corner, boating season in Buffalo and Rochester has finally begun! At Walsh Duffield, we want to ensure you’re
What to Know About Hired and Non-Owned Auto Liability Coverage Driving to a client meeting? Sending an employee to pick up office supplies? Renting a car on your business trip? If your organization ever requires you or your colleagues to travel in a vehicle that is not owned by your company, it’s imperative that you
Cell phones, tablets, and other electronic devices are a necessity in our personal and professional lives, but when operating a vehicle, their use takes your attention off of the road and can have serious consequences. Approximately 660,000 people are on electronic devices while driving a vehicle during daylight hours. This is a preventable way in
When fire, burglary, or other disaster strikes your home, you want to begin the recovery process as soon as possible. However, before you can file your homeowners insurance claim, you must fully document all of your damaged belongings. That’s where a homeowners insurance inventory list comes in handy. If you are like most people, you
Severe winter weather can cause power outages and loss of heat. Here are some tips on how to help handle an outage during the winter. Before the windstorm Set your refrigerator and freezer to coldest settings. Food will be preserved longer if power goes out. Check flashlights and portable radios to ensure they are working.
If you’re like most people, there are certain items you own that you can’t imagine ever losing — possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them. If you haven’t checked your home insurance policy recently, here are five key things to know about insuring
Don’t Let the Cold Get to Your Pipes This Winter It’s hard to think of a worse start to a winter day in Western New York than turning on the faucet and … nothing. Maybe there’s a trickle of water, but it’s clear you have a frozen pipe. So, what now? Here are some smart