Friday, December 31, 2010
Wednesday, December 29, 2010
Nueces County Record Star > Local News > Construction company penalized $87,000 by OSHA
Nueces County Record Star > Local News > Construction company penalized $87,000 by OSHA
O.S.H.A. SAFETY CERTIFICATION COURSES
MAKE SURE YOUR EMPLOYEES ARE QUALIFIED
COURSES VALID NATIONWIDE 100% ONLINE - START TODAY!
TWO CONVENIENT WEBSITES TO ENROLL
WWW.MJFINSURANCEAGENCY.COM
WWW.MJFOSHASAFETY.COM
O.S.H.A. SAFETY CERTIFICATION COURSES
MAKE SURE YOUR EMPLOYEES ARE QUALIFIED
COURSES VALID NATIONWIDE 100% ONLINE - START TODAY!
TWO CONVENIENT WEBSITES TO ENROLL
WWW.MJFINSURANCEAGENCY.COM
WWW.MJFOSHASAFETY.COM
Missouri Bank Sues Over Hacker
Missouri Bank Sues Over Hacker
Is your business properly insured for Cyber Liability?
Contact us today!
Is your business properly insured for Cyber Liability?
Contact us today!
Best Affirms Progressive and Subs 'A+' Ratings; Outlook Stable
Best Affirms Progressive and Subs 'A+' Ratings; Outlook Stable
Get your M.J.F. Agency Progressive Quote today! We also offer snowmobile and A.T.V. coverage
Get your M.J.F. Agency Progressive Quote today! We also offer snowmobile and A.T.V. coverage
PhantomAlert.com: No More Speeding Tickets - Home
PhantomAlert.com: No More Speeding Tickets - Home
Click On The Above For More Information On The PhantomAlert.com!
#Tickets,Red Lights, Red Light camera's, Speed Traps
Click On The Above For More Information On The PhantomAlert.com!
#Tickets,Red Lights, Red Light camera's, Speed Traps
Thursday, December 23, 2010
Tuesday, December 21, 2010
Online C.P.R Certification & Recertification Courses
# www.mjfonlinecpr.webs.com online courses for CPR CERTIFICATION,FIRST AID, BLOODBORNE PATHOGEN, PRO HOME SAFETY. USE discount code CPR-1865
Published with Blogger-droid v1.6.5
Changing Auto Insurance Companies?
Changing Auto Insurance Companies May be Easier Than you Think!
There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!
Why change to a new Auto insurance carrier?
You need to regularly review your auto insurance coverage to make sure that you are receiving the best insurance value for your money. You will discover that it pays to shop around. In some states, premiums for identical policies vary widely among different auto insurance companies. The reasons for this price variation can be very complicated, but they boil down to a company's claims experience with policyholders in a coverage group (e.g. people of similar age, number of accidents, type of vehicle). For example, if a large number of people in a coverage group files claims during a given year, their rates will likely rise. When this happens, better discounts and lower overall premiums may be available at other insurance companies. When you decide to switch your auto insurance to another company, you’ll find that it's fairly easy to do so.
How to cancel your old Auto Insurance policy
Generally, all you need to do to cancel your auto insurance policy is to inform your insurance company in writing, specifying the date you want the policy canceled. In some states, the new agent must notify the previous agent of the policy change. Some auto insurance companies ask the policyholder send back the actual printed policy. The insurance company will send a cancellation request form that will need to be signed and returned. Examine the form carefully to make sure that all information regarding the policy is correct. If the form is not received within two weeks of sending the letter, call the agent or company immediately to check on the status of the cancellation. Don't just walk away from the old policy without formally canceling it. Each state requires that auto Insurance policies be cancelled with notice, thus the insurance company might assume one wished to continue the coverage, and it might eventually terminate the policy for failure to pay premiums and report the lack of coverage to the state Department of Motor Vehicles. This can hurt your credit rating and ability to get a new policy.
Be sure to get a new Auto Insurance policy first
Always have a new policy in place before canceling the old auto insurance coverage. Otherwise you might have a gap in protection for a day or more! Most states require all drivers to carry a minimum level of auto insurance and most insurance companies require policyholders to present proof of new coverage before they will cancel an active policy. The new company will be able to time the beginning of the new policy to coincide with the cancellation of the prior coverage.
When to Change Auto Insurance policies
At Renewal
Renewal is a convenient time to change auto insurance policies, as you don’t have to wait for a refund from your current carrier. A renewal notice will be sent to you approximately 30 days before a new policy begins, depending on the regulations in your state. Should you decide to switch companies, you’ll need to have a new policy by the time the current policy renews. Though a company might say there is 10-30 days to get your payment in before a policy terminates, you do not have coverage until the carrier receives the payment. If you have an accident during this time period you most likely will have no coverage since the premium wasn’t paid!
Anytime:
All Auto insurance policies contain a provision allowing you to cancel your policy with proper notice at any time. In a few states auto insurance companies “short rate” the policy that means one pays a penalty for canceling before the policy renews. Most insurance companies pro-rate their policies so there is no penalty. The advantage of switching before the renewal date can save you a lot of money. For example if you have a policy that runs from Jan 15th to Aug 15th and you have an accident or ticket that will be over 36 months on March 15th. By switching Auto insurance companies on March 16th, you get a discount for having a clean driving record. Your current carrier won’t apply this discount until the policy renews on August 15th! This can save you Hundreds of dollars immediately!
How long does it take to change Auto insurance?
When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait! Generally they’ll just need a copy of your current declaration page, driver’s license and down payment to get the policy issued.
So why not get started today
Contact us at:
www.mjfinsuranceagency.com
or
www.mjfinsurance.com
For your quote!
There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!
Why change to a new Auto insurance carrier?
You need to regularly review your auto insurance coverage to make sure that you are receiving the best insurance value for your money. You will discover that it pays to shop around. In some states, premiums for identical policies vary widely among different auto insurance companies. The reasons for this price variation can be very complicated, but they boil down to a company's claims experience with policyholders in a coverage group (e.g. people of similar age, number of accidents, type of vehicle). For example, if a large number of people in a coverage group files claims during a given year, their rates will likely rise. When this happens, better discounts and lower overall premiums may be available at other insurance companies. When you decide to switch your auto insurance to another company, you’ll find that it's fairly easy to do so.
How to cancel your old Auto Insurance policy
Generally, all you need to do to cancel your auto insurance policy is to inform your insurance company in writing, specifying the date you want the policy canceled. In some states, the new agent must notify the previous agent of the policy change. Some auto insurance companies ask the policyholder send back the actual printed policy. The insurance company will send a cancellation request form that will need to be signed and returned. Examine the form carefully to make sure that all information regarding the policy is correct. If the form is not received within two weeks of sending the letter, call the agent or company immediately to check on the status of the cancellation. Don't just walk away from the old policy without formally canceling it. Each state requires that auto Insurance policies be cancelled with notice, thus the insurance company might assume one wished to continue the coverage, and it might eventually terminate the policy for failure to pay premiums and report the lack of coverage to the state Department of Motor Vehicles. This can hurt your credit rating and ability to get a new policy.
Be sure to get a new Auto Insurance policy first
Always have a new policy in place before canceling the old auto insurance coverage. Otherwise you might have a gap in protection for a day or more! Most states require all drivers to carry a minimum level of auto insurance and most insurance companies require policyholders to present proof of new coverage before they will cancel an active policy. The new company will be able to time the beginning of the new policy to coincide with the cancellation of the prior coverage.
When to Change Auto Insurance policies
At Renewal
Renewal is a convenient time to change auto insurance policies, as you don’t have to wait for a refund from your current carrier. A renewal notice will be sent to you approximately 30 days before a new policy begins, depending on the regulations in your state. Should you decide to switch companies, you’ll need to have a new policy by the time the current policy renews. Though a company might say there is 10-30 days to get your payment in before a policy terminates, you do not have coverage until the carrier receives the payment. If you have an accident during this time period you most likely will have no coverage since the premium wasn’t paid!
Anytime:
All Auto insurance policies contain a provision allowing you to cancel your policy with proper notice at any time. In a few states auto insurance companies “short rate” the policy that means one pays a penalty for canceling before the policy renews. Most insurance companies pro-rate their policies so there is no penalty. The advantage of switching before the renewal date can save you a lot of money. For example if you have a policy that runs from Jan 15th to Aug 15th and you have an accident or ticket that will be over 36 months on March 15th. By switching Auto insurance companies on March 16th, you get a discount for having a clean driving record. Your current carrier won’t apply this discount until the policy renews on August 15th! This can save you Hundreds of dollars immediately!
How long does it take to change Auto insurance?
When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait! Generally they’ll just need a copy of your current declaration page, driver’s license and down payment to get the policy issued.
So why not get started today
Contact us at:
www.mjfinsuranceagency.com
or
www.mjfinsurance.com
For your quote!
Monday, December 20, 2010
Simple Payroll Solutions
M.J.F. offers payroll services through Simple Payroll Solutions. You may ask why does an insurance agency offer such a poduct? It is a tool we use for our new Pay As You Go Workers Compensation Product in New York and New Jersey.
You are probably asking why leave companies like A.D.P. or other well known payroll companies. The reason is we can place your workers compensation and deduct it through your payroll. The advantage is Simple Payroll Solutions does not charge a fee for your payroll service, which automatically saves you money and we only need the first month premium to bind. Most companies require large premium deposits upfront, this also creates financial leverage or liquidity for your business. Secondly, you are now paying for actual payroll and not estimated payroll. No need for an audit at year end because the premium will be accurate. No refunds due the company and no additional premium required on estimated payroll that comes up short.
Then we can review your other insurance policies to save you additional premium and make sure you are properly insured. It's a win win for the business owner all around.
Contact us today to schedule an appointment to discuss our Simple Payroll Solution product and start saving money. It's the perfect way to start off the New Year! You work hard for your money and deserve to reap the benefits. Why should you just hand over fees for unnecessary fees to another company.
www.mjfinsuranceagency.com
866-983-8726
You are probably asking why leave companies like A.D.P. or other well known payroll companies. The reason is we can place your workers compensation and deduct it through your payroll. The advantage is Simple Payroll Solutions does not charge a fee for your payroll service, which automatically saves you money and we only need the first month premium to bind. Most companies require large premium deposits upfront, this also creates financial leverage or liquidity for your business. Secondly, you are now paying for actual payroll and not estimated payroll. No need for an audit at year end because the premium will be accurate. No refunds due the company and no additional premium required on estimated payroll that comes up short.
Then we can review your other insurance policies to save you additional premium and make sure you are properly insured. It's a win win for the business owner all around.
Contact us today to schedule an appointment to discuss our Simple Payroll Solution product and start saving money. It's the perfect way to start off the New Year! You work hard for your money and deserve to reap the benefits. Why should you just hand over fees for unnecessary fees to another company.
www.mjfinsuranceagency.com
866-983-8726
Health Savings Accounts - HSA Health Insurance Plans
What is an HSA?
A Health Savings Account, or HSA combines high deductible health insurance with a tax-favored savings account, similar to a 401(k). Money in the savings account helps pay the deductible. If the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep or spend on qualified medical expenses. There is no “use it or lose it” restriction with an HSA.
What are qualified medical expenses?
HSA savings can be used to pay for many types of medical expenses beyond what is covered by your insurance plan. These expenses include dental services, vision, alternative medicine, long-term care services, prescription drug and certain over-the-counter drugs.
Who is eligible for an HSA?
Anyone who is not entitled to Medicare can accumulate tax-favored savings for healthcare needs. You must have a qualified high deductible plan to receive the benefits. The current minimum deductible amounts are $1,100 for a single and $2,200 for a family. HealthPlanOne clearly identifies plans that qualify for HSA tax savings accounts. Simply use our Refine Search tool to include only HSA’s.
There are 2 steps to setting up an HSA:
Select and apply for a qualified HSA health plan
Wait for your application to be approved
Set up an HSA tax favored savings account with your insurance carrier or our affiliate.
If you contribute money to your HSA account, your health coverage could be FREE!
Assume that you are a self-employed individual. You purchase an HSA policy and make a significant tax-free contribution. The resulting tax savings might pay for the health care premium!
It would work like this. You purchase an individual HSA policy with a $2,500 deductible for $1,400 per year. You then contribute the maximum $2,500 to your HSA account. The tax savings would be $1,380, very close to the cost of a high deductible medical policy: Annual Cost Tax Bracket Tax Savings
Insurance Premium $1,400 45% $630
HSA Contribution $2,500 30% $750
Total Savings $1,380
Even if you incur $500 health care expenses for the year, you still will have paid for the cost of the policy with tax savings and have $2000 of your savings in an tax preferred, investment account.
The example assumes you have a combined federal and state tax rate of 30% and an additional self-employed payroll tax of 15%. Tax rates will differ based on your situation.
To find out which plans qualify for HSA treatment, simply search the plans and then use our Refine Search tool to include only HSA's
For more information contact us at
www.mjfinsuranceagency.com
A Health Savings Account, or HSA combines high deductible health insurance with a tax-favored savings account, similar to a 401(k). Money in the savings account helps pay the deductible. If the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep or spend on qualified medical expenses. There is no “use it or lose it” restriction with an HSA.
What are qualified medical expenses?
HSA savings can be used to pay for many types of medical expenses beyond what is covered by your insurance plan. These expenses include dental services, vision, alternative medicine, long-term care services, prescription drug and certain over-the-counter drugs.
Who is eligible for an HSA?
Anyone who is not entitled to Medicare can accumulate tax-favored savings for healthcare needs. You must have a qualified high deductible plan to receive the benefits. The current minimum deductible amounts are $1,100 for a single and $2,200 for a family. HealthPlanOne clearly identifies plans that qualify for HSA tax savings accounts. Simply use our Refine Search tool to include only HSA’s.
There are 2 steps to setting up an HSA:
Select and apply for a qualified HSA health plan
Wait for your application to be approved
Set up an HSA tax favored savings account with your insurance carrier or our affiliate.
If you contribute money to your HSA account, your health coverage could be FREE!
Assume that you are a self-employed individual. You purchase an HSA policy and make a significant tax-free contribution. The resulting tax savings might pay for the health care premium!
It would work like this. You purchase an individual HSA policy with a $2,500 deductible for $1,400 per year. You then contribute the maximum $2,500 to your HSA account. The tax savings would be $1,380, very close to the cost of a high deductible medical policy: Annual Cost Tax Bracket Tax Savings
Insurance Premium $1,400 45% $630
HSA Contribution $2,500 30% $750
Total Savings $1,380
Even if you incur $500 health care expenses for the year, you still will have paid for the cost of the policy with tax savings and have $2000 of your savings in an tax preferred, investment account.
The example assumes you have a combined federal and state tax rate of 30% and an additional self-employed payroll tax of 15%. Tax rates will differ based on your situation.
To find out which plans qualify for HSA treatment, simply search the plans and then use our Refine Search tool to include only HSA's
For more information contact us at
www.mjfinsuranceagency.com
Buying Health Insurance - How to Get the Best Health Insurance Plan for You
Buying health insurance is one thing, but buying the best health insurance for you can be tricky, especially when there are so many options and so many factors to consider. Before you get health insurance, you will probably want to create a health insurance comparison sheet. You can break down each plan by cost and benefit. Below are some important constituents that make up health insurance plans.
Important items to consider when buying health insurance:
The hospital and physicians that are in the network of the plan you choose.
You can start your health insurance comparison by asking yourself if you have a favorite hospital or physician. You'll want to make sure they are included in the network of any plan you consider purchasing.
Doctor visit copay.
When you get health insurance, a number that will often come into play is your plan's copay. The copay is the amount you will pay each time you visit the doctor.
Prescription benefit and copay.
Some plans do not include prescription drug benefits-you'll want to keep this in mind while you make your health insurance comparison. If coverage is included, the copay is the amount you will pay per prescription. The copay often differs depending on whether the drug is generic, preferred, or brand name. Before buying health insurance, you should calculate your current and estimated future cost of medications and determine your best value.
Annual deductible.
This is the annual amount of medical expenses that you are responsible for before your insurance begins paying. Usually, prescription drug copays mentioned above do not go towards this deductible.
Coinsurance.
Another factor you will want to consider in your health insurance comparison is the plan's coinsurance--the amount your carrier expects you to pay toward your medical expenses-typically this is 20-30% for in-network providers. The coinsurance amount is typically 20% high for out-of-network providers. The coinsurance maximum is the limit on how much coinsurance you might have to pay each year.
Out of pocket annual maximum.
Buying health insurance will always involve some amount of out of pocket maximum. The out of pocket maximum is the most you will be expected to incur annually. It is the sum of your deductible and maximum coinsurance amount.
Contact us for a quote at
www.mjfinsuranceagency.com
Lifetime maximum coverage.
After you get health insurance, your plan will pay out a certain amount over your lifetime. Typically this number is $1 million to $5 million. With the high cost of medical care it can be beneficial to have a higher coverage amount.
Premium.
Perhaps the most basic number to consider before buying health insurance, your premium is the amount you must pay each month for your policy. Premium is impacted by all of the attributes above. For instance, if you get a health insurance plan with a higher deductible policy, your premium will be lower, but you will have to pay more money out of pocket before your insurance kicks in.
HSA Qualified Plans.
HSA's are high deductible health plans which enable you to put money aside pre tax to pay for certain medical expenses. Most people like to weigh the costs and benefits of HSA's in their health insurance comparison.
Remember, it is one thing to get health insurance, but it is another to be sure you are purchasing the best available plan. If you have any questions about any of the above factors, a broker can walk you through each item.
Important items to consider when buying health insurance:
The hospital and physicians that are in the network of the plan you choose.
You can start your health insurance comparison by asking yourself if you have a favorite hospital or physician. You'll want to make sure they are included in the network of any plan you consider purchasing.
Doctor visit copay.
When you get health insurance, a number that will often come into play is your plan's copay. The copay is the amount you will pay each time you visit the doctor.
Prescription benefit and copay.
Some plans do not include prescription drug benefits-you'll want to keep this in mind while you make your health insurance comparison. If coverage is included, the copay is the amount you will pay per prescription. The copay often differs depending on whether the drug is generic, preferred, or brand name. Before buying health insurance, you should calculate your current and estimated future cost of medications and determine your best value.
Annual deductible.
This is the annual amount of medical expenses that you are responsible for before your insurance begins paying. Usually, prescription drug copays mentioned above do not go towards this deductible.
Coinsurance.
Another factor you will want to consider in your health insurance comparison is the plan's coinsurance--the amount your carrier expects you to pay toward your medical expenses-typically this is 20-30% for in-network providers. The coinsurance amount is typically 20% high for out-of-network providers. The coinsurance maximum is the limit on how much coinsurance you might have to pay each year.
Out of pocket annual maximum.
Buying health insurance will always involve some amount of out of pocket maximum. The out of pocket maximum is the most you will be expected to incur annually. It is the sum of your deductible and maximum coinsurance amount.
Contact us for a quote at
www.mjfinsuranceagency.com
Lifetime maximum coverage.
After you get health insurance, your plan will pay out a certain amount over your lifetime. Typically this number is $1 million to $5 million. With the high cost of medical care it can be beneficial to have a higher coverage amount.
Premium.
Perhaps the most basic number to consider before buying health insurance, your premium is the amount you must pay each month for your policy. Premium is impacted by all of the attributes above. For instance, if you get a health insurance plan with a higher deductible policy, your premium will be lower, but you will have to pay more money out of pocket before your insurance kicks in.
HSA Qualified Plans.
HSA's are high deductible health plans which enable you to put money aside pre tax to pay for certain medical expenses. Most people like to weigh the costs and benefits of HSA's in their health insurance comparison.
Remember, it is one thing to get health insurance, but it is another to be sure you are purchasing the best available plan. If you have any questions about any of the above factors, a broker can walk you through each item.
Sunday, December 19, 2010
NetSpend to Present at the Credit Suisse Annual Technology Conference - MarketWatch
NetSpend to Present at the Credit Suisse Annual Technology Conference - MarketWatch
To apply for you NetSpend Prepaid Visa Debit Card with Guarunteed approval, No credit
go to and click on products. You will receive your card in 7-10 business days. As an added bonus, once you load your card for the first time we will forward a $25 Restaurant.com gift certificate via e mail.
To apply for you NetSpend Prepaid Visa Debit Card with Guarunteed approval, No credit
go to and click on products. You will receive your card in 7-10 business days. As an added bonus, once you load your card for the first time we will forward a $25 Restaurant.com gift certificate via e mail.
M.J.F. Insurance Agency, Inc.: Know Your Stuff - Register your Assetts in Case of...
M.J.F. Insurance Agency, Inc.: Know Your Stuff - Register your Assetts in Case of...: "What happens after a fire? Did you filli out a 'Know Your Stuff' inventory? It can save you thousands. Knowyourstuff.org Published with B..."
Saturday, December 18, 2010
Omaha Boy Scout honored for life-saving CPR skills - KHGI-TV/KWNB-TV/KHGI-CA-Grand Island, Kearney, Hastings, Lincoln
Omaha Boy Scout honored for life-saving CPR skills - KHGI-TV/KWNB-TV/KHGI-CA-Grand Island, Kearney, Hastings, Lincoln
Get certified with our 100% online class. Fully accredited and valid nationwide! Pay after course is completed and card ready for immediate download!
http://mjfonlinecpr.webs.com/
Get certified with our 100% online class. Fully accredited and valid nationwide! Pay after course is completed and card ready for immediate download!
http://mjfonlinecpr.webs.com/
Thursday, December 16, 2010
Why Carrying The Minimum Required By Law May Not Be A Good Choice For You When It Comes To Underinsured / Uninsured Motorist Coverage
underinsured motorist coverage Definition
We always Recommend Having $100/300,000 in coverage. Do you know how much coverage you have on your auto policy? Chances are if your like most drivers you aren't sufficiently covored. Contact us for a quote today to fully protect you, your family and your car.
We always Recommend Having $100/300,000 in coverage. Do you know how much coverage you have on your auto policy? Chances are if your like most drivers you aren't sufficiently covored. Contact us for a quote today to fully protect you, your family and your car.
Tuesday, December 14, 2010
Kiss It Goodbye: CPR Loses Mouth-To-Mouth | WBUR
Kiss It Goodbye: CPR Loses Mouth-To-Mouth | WBUR Get Certified or Recertified Online for C.P.R. and more at www.mjfonlinecpr.webs.com
Workers Comp Kit Blog Workers
Workers Comp Kit Blog Workers
M.J.F. Has carriers to place your Workers Compensation. Contact us today via www.mjfinsuranceagency.com
M.J.F. Has carriers to place your Workers Compensation. Contact us today via www.mjfinsuranceagency.com
Sunday, December 12, 2010
Spousal Refusal
NYTimes: Full Wallets, but Using Health Program for Poor
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Saturday, December 11, 2010
Wednesday, December 8, 2010
M.J.F. Insurance Agency, Inc. Appointed in Florida
On December 8, 2010 M.J.F. Insurance Agency, Inc was appointed in the State of Florida. We look forward to bringing you further announcements in regards to new insurance programs that we can write in the state.
Tuesday, December 7, 2010
C.P.R. Training & Recerification- Pay Upon Completion of The Course
Tweet from Tweetcaster
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Monday, December 6, 2010
DeMarrais: Paying too much for home insurance? - NorthJersey.com
DeMarrais: Paying too much for home insurance? - NorthJersey.com
Let us provide you with a quote on your home. We offer Travelers Home Insurance in Ny and NJ
866-983-8726
Let us provide you with a quote on your home. We offer Travelers Home Insurance in Ny and NJ
866-983-8726
Enrollment picking up at trucking schools The Republican-American
Enrollment picking up at trucking schools The Republican-American
We can insure your trucking school, contact us today for a quote.
866-983-8726
We can insure your trucking school, contact us today for a quote.
866-983-8726
Sunday, December 5, 2010
Consumer 10.0: "Forced placement" insurance can send rates soaring | Philadelphia Inquirer | 12/05/2010
Consumer 10.0: "Forced placement" insurance can send rates soaring | Philadelphia Inquirer | 12/05/2010 Don't let the bank purchase forced insurance! Call us to insure your home if your policy cancels or lapses. The risks are too high! We write homeowners in NY,NJ,CT,FL,PA and SC www.mjfinsurance.com
Saturday, December 4, 2010
OSHA alleges violations in Galveston and Conroe | Business | Chron.com - Houston Chronicle
OSHA alleges violations in Galveston and Conroe | Business | Chron.com - Houston Chronicle
www.mjfinsuranceagency.com for your O.S.H.A. certification 100% online, no waiting for an instructor to come to your town.
www.mjfinsuranceagency.com for your O.S.H.A. certification 100% online, no waiting for an instructor to come to your town.
Finding a Sweet Deal on Classic Car Insurance - FoxBusiness.com
Finding a Sweet Deal on Classic Car Insurance - FoxBusiness.com
Click on the Hagerty Banner in the right column for your Hagerty quote. You can then call M.J.F. or bind your policy online. 866-983-8726
If your not on our blog you can go to
www.mjfinsuranceagency.com to quote your car
We write in NY,NJ,CT,FL,PA and SC
Click on the Hagerty Banner in the right column for your Hagerty quote. You can then call M.J.F. or bind your policy online. 866-983-8726
If your not on our blog you can go to
www.mjfinsuranceagency.com to quote your car
We write in NY,NJ,CT,FL,PA and SC
Lady Gaga's WikiLeak | Fast Company###
Lady Gaga's WikiLeak | Fast Company###
Is Your Business Covered for data breach. It can be very expensive if you have a lot of clients personal date jeapordized. Make sure your company is protected in case your system is hacked or are a victim of employee dishonesty.
Is Your Business Covered for data breach. It can be very expensive if you have a lot of clients personal date jeapordized. Make sure your company is protected in case your system is hacked or are a victim of employee dishonesty.
Friday, December 3, 2010
Commercial Insurance Policy Financing in N.Y. As Low as 9% A.P.R. on Most Risks
If you are financing a commercial insurance policy in New York State, you are probably paying too much interest. Contact us today and let us finance your commercial insurance policy, whether its a new policy or upon renewal. We can finance as low as 9% annually in most cases. All we need is a copy of the new or renewal premium and your decleration page. Your paperwork can be faxed to M.J.F. Insurance Agency at 866-456-7905 and request that the information is being provided for a finance agreement quote. Our phone number is
866-983-8726 for additional information.
866-983-8726 for additional information.
Thursday, December 2, 2010
Wednesday, December 1, 2010
Protect Against Mounting Risks from the Business of Medicine | Physicians News
Protect Against Mounting Risks from the Business of Medicine | Physicians News
For more information and a no obligation quote contact us at www.mjfinsurance.com
Test Those Smoke Alarms!
Shared via Tweetcaster'>Tweet from Tweetcaster
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Tuesday, November 30, 2010
Royal wedding watch: Let the memorabilia begin! | SILive.com
Royal wedding watch: Let the memorabilia begin! | SILive.com
Planning your wedding? We offer event insurance to cover any liability that may arise including liquor liability.
Visit our website and enroll for your free trial wedding website page and request more information on our event / special occassion coverage
www.mjfinsuranceagency.com
Planning your wedding? We offer event insurance to cover any liability that may arise including liquor liability.
Visit our website and enroll for your free trial wedding website page and request more information on our event / special occassion coverage
www.mjfinsuranceagency.com
Passengers Being Allowed To Carry Guns on Amtrak?
Passengers can bring guns on Amtrak starting in December - USATODAY.com
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Conning: Medical Professional Liability Market Softening, Changing - Commercial Insurance & Reinsurance - Property and Casualty Insurance News
Conning: Medical Professional Liability Market Softening, Changing - Commercial Insurance & Reinsurance - Property and Casualty Insurance News
Website: www.mjfinsuranceagency.com
Toll Free: 866-983-8726
Website: www.mjfinsuranceagency.com
Toll Free: 866-983-8726
Supreme Court rules on commercial general liability – Daily Commercial News
Supreme Court rules on commercial general liability – Daily Commercial News
What Exactly Does Commercial General Liability Cover on a Construction Project. This Supreme Court Decision and how it Pertains to your Construction Projects
M.J.F. can write your insurance for all contractor classifications. We are licensed in NY,NJ,PA,CT,FL and SC www.mjfinsuranceagency.com or 866-983-8726
What Exactly Does Commercial General Liability Cover on a Construction Project. This Supreme Court Decision and how it Pertains to your Construction Projects
M.J.F. can write your insurance for all contractor classifications. We are licensed in NY,NJ,PA,CT,FL and SC www.mjfinsuranceagency.com or 866-983-8726
Personal Data of Thousands of GSA Employees at Risk
Data Breach Coverage, Why Your Business Should Have It!
You can contact M.J.F. for a no obligation quote www.mjfinsuranceagency.com
Personal data of thousands of GSA employees at risk
You can contact M.J.F. for a no obligation quote www.mjfinsuranceagency.com
Personal data of thousands of GSA employees at risk
Sunday, November 28, 2010
Is Your Business Covered By Your Insurance Policy in Case Your Clients Date is Breached or Stolen?
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Proper Insurance Coverage For Your Business is Crucial!
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Looking for Excess Liability / Umbrella Coverage For Your High Value Real Estate
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Contractor & Construction Insurance Quotes NY& NJ
We can insure construction and contracting risks, new ventures ok!. Commercial Auto Quotes too. # ny nj pa fl sc (cont) http://tl.gd/718le8
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N.J. Plan to Merge Smallest Towns To Consolidate
NYTimes: New Jersey’s Tiniest Towns Fight Push to Merge
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Saturday, November 27, 2010
NetSpend Prepaid Visa Debit Card
MJF is an authorized NetSpend representative!
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Construction worker breaks wrist in three-storey fall - Local - News - The Telegram
O.S.H.A. Safety Course - 100% Online and valid nationwide
For more information go to www.mjfinsuranceagency.com
Courses valid nationwide
Construction worker breaks wrist in three-storey fall - Local - News - The Telegram
For more information go to www.mjfinsuranceagency.com
Courses valid nationwide
Construction worker breaks wrist in three-storey fall - Local - News - The Telegram
Pennsylvania Truck Accident Lawyer Says System Is Needed To Get Drowsy Truckers Off I-81 | Benzinga.com
Pennsylvania Truck Accident Lawyer Says System Is Needed To Get Drowsy Truckers Off I-81
Pennsylvania Truck Accident Lawyer Says System Is Needed To Get Drowsy Truckers Off I-81 | Benzinga.com
Pennsylvania Truck Accident Lawyer Says System Is Needed To Get Drowsy Truckers Off I-81 | Benzinga.com
Local contractor faces OSHA safety fines - NashuaTelegraph.com
O.S.H.A Fines new Hampshire Small Contractor
Local contractor faces OSHA safety fines - NashuaTelegraph.com
Local contractor faces OSHA safety fines - NashuaTelegraph.com
Friday, November 26, 2010
C.P.R. ONLINE CERTIFICATION & RECERTIFICATION
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Return of The Barbershop to N.Y.C.
NYTimes: The Barbershop Renaissance
MJF has a great barbetshop program. Contact us for your insurance quote. www.mjfinsuranceagency.com or
866-983-8726
MJF has a great barbetshop program. Contact us for your insurance quote. www.mjfinsuranceagency.com or
866-983-8726
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NYC Cabbies Getting New Dress Code Law
NYTimes: Administration Is Bracing for Setbacks to Health Law
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Hagerty Antique and Classic Auto Insurance Quotes
If you are a car collector you have invested a great deal of time and money into maintaining your prized posession. That's why you go to Hagerty to insure your cars. Hagerty offers agreed value coverage which means they pay what its worth or valued at. Other carriers pay on stated value which usually doesn't meet the true value at a time of loss.
M.J.F understands the passion you have for your Antique vehicles and that's why you we teamed with Hagerty to protect your vehicle.
With M.J.F. you can go to our website and quote your policy online with an option to bind coverage or contact us to provide that quote for you! Visit our website at www.mjfinsuranceagency.com to get your quote today. We are licensed in N.Y., N.J, P.A.,C.T. FL. & S.C.
M.J.F understands the passion you have for your Antique vehicles and that's why you we teamed with Hagerty to protect your vehicle.
With M.J.F. you can go to our website and quote your policy online with an option to bind coverage or contact us to provide that quote for you! Visit our website at www.mjfinsuranceagency.com to get your quote today. We are licensed in N.Y., N.J, P.A.,C.T. FL. & S.C.
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Let Us Insure Your Watercraft!
# Watercraft quotes for Charter Boats, Charter Fishing, Yachts,Passenger Vessels, (cont) http://tl.gd/6v1fva
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We Can Insure Your Trucking Fleet.
Bring us your trucking risk! Let us use our independence to get you the best coverage & premium available # (cont) http://tl.gd/6u6oig
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Know Your Stuff - Register your Assetts in Case of a Loss
What happens after a fire? Did you filli out a "Know Your Stuff" inventory? It can save you thousands. Knowyourstuff.org
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M.J.F. is A Travelers Agency - Independent Insurance Agency
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Now Offering The Florida Online Boating Safety Course
We were approved as a reseller for the Florida online Boating Safety Course. For more information on the course and to enroll please follow this link.
This Florida boating safety course meets the State of Florida’s requirement for basic boater safety education. When you successfully complete the course and exam online, you will receive a course completion certificate by mail and we will automatically report your completion to the Florida Fish and Wildlife Conservation Commission for issuance of your Boater Safety Education I.D. Card if you are covered by Florida’s mandatory boater education law.
Florida Boating Safety – Educational Requirements
Florida Boating Safety Educational Requirements were updated January 1, 2010. This update requires boat operators who were born on or after January 1, 1988 to obtain a Florida Boating Safety Education Identification Card in order to operate a motorboat with ten horsepower or more.
The requirements to take an approved boating safety course and to obtain a Florida Fish and Wildlife Conservation Commission (FWC) issued identification card are the same, but the age threshold for the educational requirements is now based on whether or not you were born on or after January 1, 1988. For more information, visit http://www.myfwc.com/RULESANDREGS/Rules_Boat.htm#educ
Florida Boating License
The state of Florida does not have a “boating license”. The FWC issued Boating Safety Identification Card is proof that you succesfully completed the online boating course. This card is valid for life.
Florida Boating Course – More Information
This course is approved by the National Association of State Boating Law Administrators (NASBLA) and is recognized by the United States Coast Guard.
By successfully completing this approved basic boating safety education course you may qualify for reduced boat insurance premiums. Please contact your insurance company to see if you qualify for a reduction in your premiums based on your completion of this course.
Those receiving boating citations from law enforcement may be required to take a safe boating course. However, this must be a classroom boater education course -- The online course does not meet this requirement.
Copy and paste this link into your browser or click on link at the top of the page
http://floridaboatingcourse.com/?lgr=cc8a1ba4-8a83-de11-9746-00c09f3f0f12
We are licensed in the State of Florida to write insurance. Please keep us in my to insure your boat or any of your other insurance needs.
This Florida boating safety course meets the State of Florida’s requirement for basic boater safety education. When you successfully complete the course and exam online, you will receive a course completion certificate by mail and we will automatically report your completion to the Florida Fish and Wildlife Conservation Commission for issuance of your Boater Safety Education I.D. Card if you are covered by Florida’s mandatory boater education law.
Florida Boating Safety – Educational Requirements
Florida Boating Safety Educational Requirements were updated January 1, 2010. This update requires boat operators who were born on or after January 1, 1988 to obtain a Florida Boating Safety Education Identification Card in order to operate a motorboat with ten horsepower or more.
The requirements to take an approved boating safety course and to obtain a Florida Fish and Wildlife Conservation Commission (FWC) issued identification card are the same, but the age threshold for the educational requirements is now based on whether or not you were born on or after January 1, 1988. For more information, visit http://www.myfwc.com/RULESANDREGS/Rules_Boat.htm#educ
Florida Boating License
The state of Florida does not have a “boating license”. The FWC issued Boating Safety Identification Card is proof that you succesfully completed the online boating course. This card is valid for life.
Florida Boating Course – More Information
This course is approved by the National Association of State Boating Law Administrators (NASBLA) and is recognized by the United States Coast Guard.
By successfully completing this approved basic boating safety education course you may qualify for reduced boat insurance premiums. Please contact your insurance company to see if you qualify for a reduction in your premiums based on your completion of this course.
Those receiving boating citations from law enforcement may be required to take a safe boating course. However, this must be a classroom boater education course -- The online course does not meet this requirement.
Copy and paste this link into your browser or click on link at the top of the page
http://floridaboatingcourse.com/?lgr=cc8a1ba4-8a83-de11-9746-00c09f3f0f12
We are licensed in the State of Florida to write insurance. Please keep us in my to insure your boat or any of your other insurance needs.
Thursday, November 25, 2010
New York Contractors
No matter what size your contracting business is, we have carriers aggressively looking to write your business. All classifications are elidgible, including roofers!
You can also go to our website to request additional info as well as enroll in the online O.S.H.A. online safetyz courses (10 & 30 Hr). All courses are valid nationwide and your card will be mailed to you when course has been completed. Take up to 6 months to complete the class and no waiting for an instructor to come to your town. Can also call in to speak to an instructor for clarification on any portion of the course you may need additional clarification on.
www.mjfinsuranceagency.com
You can also go to our website to request additional info as well as enroll in the online O.S.H.A. online safetyz courses (10 & 30 Hr). All courses are valid nationwide and your card will be mailed to you when course has been completed. Take up to 6 months to complete the class and no waiting for an instructor to come to your town. Can also call in to speak to an instructor for clarification on any portion of the course you may need additional clarification on.
www.mjfinsuranceagency.com
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Florida Online Boating Safety Class
This week we were approved as a reseller through the American Safety Council to offer the Florida Online Boating Safety Course. We will Tweet the link on a regular basis. I expect a direct link to be up on our site within 6 weeks. Happy Thanksgiving to all!
You can visit our site at www.mjfinsuranceagency.com
You can visit our site at www.mjfinsuranceagency.com
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Wednesday, November 10, 2010
Tuesday, November 9, 2010
Monday, November 8, 2010
O.S.H.A. Safety Courses 100% Online
OSHA Training
Online OSHA training provides you with easy access to safety education solutions for all Construction and General Industry workers. In cooperation with the American Safety Council, our OSHA courses are offered to you by the OSHA Training Institute Education Center of the University of South Florida.
If you require authorization to get on to a job site, want to advance your career or want to keep you and your employees safe, we can help. Our extensive range of online OSHA training will get you to where you want to be. We offer the OSHA 10-Hour and 30-Hour Outreach Training courses for both Construction and General Industry. Plus, you can take the OSHA 510 or 511 courses if you are interested in becoming an authorized OSHA Outreach Trainer. These courses are the prerequisites to the OSHA 500 and 501 Train-the-Trainer courses.
Our courses are OSHA approved and meet OSHA training requirements. All courses are taken 100% online giving you the flexibility to take the course where and when you like, and you can take up to 6 months to complete your training. No matter what your reason is for taking an OSHA course, we have the online course for you.
www.mjfinsuranceagency.com to enroll for the course!
They are 100% online
No more waiting for an instructor to come to you area
Certification Valid Nationwide
Certification Card mailed upon completion
Sign up and start today!
Online OSHA training provides you with easy access to safety education solutions for all Construction and General Industry workers. In cooperation with the American Safety Council, our OSHA courses are offered to you by the OSHA Training Institute Education Center of the University of South Florida.
If you require authorization to get on to a job site, want to advance your career or want to keep you and your employees safe, we can help. Our extensive range of online OSHA training will get you to where you want to be. We offer the OSHA 10-Hour and 30-Hour Outreach Training courses for both Construction and General Industry. Plus, you can take the OSHA 510 or 511 courses if you are interested in becoming an authorized OSHA Outreach Trainer. These courses are the prerequisites to the OSHA 500 and 501 Train-the-Trainer courses.
Our courses are OSHA approved and meet OSHA training requirements. All courses are taken 100% online giving you the flexibility to take the course where and when you like, and you can take up to 6 months to complete your training. No matter what your reason is for taking an OSHA course, we have the online course for you.
www.mjfinsuranceagency.com to enroll for the course!
They are 100% online
No more waiting for an instructor to come to you area
Certification Valid Nationwide
Certification Card mailed upon completion
Sign up and start today!
Companies Looking To Save Money On Employee Benefits Are Turning To Voluntary Benefit Plans
No matter what size business you have your employee benefits are a key element in keeping your employees happy and reducing turnover ratois. We all know it is more costly to train a new employee and not have them remain on the job.
In an effort to save on premiums companies have increased their deductibles on their health plans and are now offering Voluntary Benefits to the employees. This allows the company to reduce overhead and the employee can opt in to the voluntary benefit plan at no additional cost to the employer. The Voluntary plan will cover the employee for those office visits and other routine medical bills.
Two of the major players in the Voluntary Benefits arena are A.F.L.A.C. and Colonial which have both appointed M.J.F. to represent their reswpective portfolios. They offer coverages for disability, dental, cancer and life insurance to name a few. The employer opts into the plan and agrees to deduct the premiums from a participating employees payroll. If set up correctly it can be tax advantaged for the employer as well.
A.F.L.A.C. requires 5 people on payroll and 3 participants to enroll a group. Colonial will entertain a 3 person group with one enrollee in order to activate.
A.F.L.A.C. spends a lot of their profit on advertising and it is reflected in the premiums while Colonial is less pricey but does not advertise to the extent of A.F.L.A.C. so the consumer saves on overall premium.
We have been able to provide the business owner with some premium relie and provide additional benefits that the employees would not normally have access to via payroll deduction. Both carriers offer top notch products which allow the employer to retain his employees because of the enhanced benefit package.
There is no limit on the maximum amount of employees that we can enroll. We can underwrite the small contractor who offers his employees no other benefits or the larger employers looking to save premium and enhance their current portfolio.
Colonial also was recently ranked number 1 by Benefits Selling Magazine for Best Enrollment Practices, 2nd for Best Consumer Driven Prodcts, Best in Broker / Carrier Relationships and 1st in Embracing New Technology.
#For more information on A.F.L.A.C. & Colonial Voluntary Benefit Plans you can contact our office to schedule an appointment.
We primarily work with NY & NJ companies but we are licensed in CT,PA,FL & SC if you are located in these states we can also work with you company too.
In an effort to save on premiums companies have increased their deductibles on their health plans and are now offering Voluntary Benefits to the employees. This allows the company to reduce overhead and the employee can opt in to the voluntary benefit plan at no additional cost to the employer. The Voluntary plan will cover the employee for those office visits and other routine medical bills.
Two of the major players in the Voluntary Benefits arena are A.F.L.A.C. and Colonial which have both appointed M.J.F. to represent their reswpective portfolios. They offer coverages for disability, dental, cancer and life insurance to name a few. The employer opts into the plan and agrees to deduct the premiums from a participating employees payroll. If set up correctly it can be tax advantaged for the employer as well.
A.F.L.A.C. requires 5 people on payroll and 3 participants to enroll a group. Colonial will entertain a 3 person group with one enrollee in order to activate.
A.F.L.A.C. spends a lot of their profit on advertising and it is reflected in the premiums while Colonial is less pricey but does not advertise to the extent of A.F.L.A.C. so the consumer saves on overall premium.
We have been able to provide the business owner with some premium relie and provide additional benefits that the employees would not normally have access to via payroll deduction. Both carriers offer top notch products which allow the employer to retain his employees because of the enhanced benefit package.
There is no limit on the maximum amount of employees that we can enroll. We can underwrite the small contractor who offers his employees no other benefits or the larger employers looking to save premium and enhance their current portfolio.
Colonial also was recently ranked number 1 by Benefits Selling Magazine for Best Enrollment Practices, 2nd for Best Consumer Driven Prodcts, Best in Broker / Carrier Relationships and 1st in Embracing New Technology.
#For more information on A.F.L.A.C. & Colonial Voluntary Benefit Plans you can contact our office to schedule an appointment.
We primarily work with NY & NJ companies but we are licensed in CT,PA,FL & SC if you are located in these states we can also work with you company too.
NY & NJ DEFENSIVE DRIVER SAFETY COURSES - 100% ONLINE, NO EXAMS
NY DRIVERS receive 10 % off your insurance premiums and up to 4 points removed from your official D.M.V. driving record. In addition they offer a discount if you enroll using discount or promo code NYP4BE67 for a final cost of $27. 30 days to complete the course with unlimited signon from any computer with an internet connection. Can only take the course once every 3 years. 100% 0online!
NJ Drivers are offered the Driver Safety Course and one is offered for mature drivers.
100% online NJ residents are now starting to become aware that this course exists online and enrollment number are growing daily. Up to 2 points off your license and potentially a 10% premium discount available. Discount varies by carrier. Course can be taken once every 5 years.
Both courses are given by the American Safety Council and you can enroll at
www.mjfinsuranceagency.com or www.mjfdefensivedriver.com.
Start saving money today!
Informatrion on our Florida clases also available at www.mjfinsuranceagency.com
NJ Drivers are offered the Driver Safety Course and one is offered for mature drivers.
100% online NJ residents are now starting to become aware that this course exists online and enrollment number are growing daily. Up to 2 points off your license and potentially a 10% premium discount available. Discount varies by carrier. Course can be taken once every 5 years.
Both courses are given by the American Safety Council and you can enroll at
www.mjfinsuranceagency.com or www.mjfdefensivedriver.com.
Start saving money today!
Informatrion on our Florida clases also available at www.mjfinsuranceagency.com
Sunday, November 7, 2010
M.J.F. WRITES COVERAGE FOR CONTRACTORS AND CONSTRUCTION RISKS
For the purpose of this post we will be discussing New York business risks. We are licensed to write is six states NY, NJ, CT, FL, PA & SC.
M.J.F. has secured a number of carriers who are willing to underwrite Commercial General Liability throughout the 5 boroughs and N.Y. State. The most difficult risks are for roofers because the potential for loss is greatest in this field. However, there are a limited number of carriers willing to write roofers. We have already written H.V.A.C, Carpenters, Wood Floor Installation & Repair and Plumbers to name a few classifications. Requesting Certificates of Liability can be done via the website or by phone. It is important that when we quote the policy to let us know if you anticipate how many certificates you may require because some carriers charge per certificate issued. No risk is too big or small for us as we carriers that specialize in annual premiums over $15,000 as well as smaller premium risks.
Workers Compensation typically is written through the New York State Insurance Fund but we have a few options if you are in business for a few years. Depending on the classification and prior loss history.
Some contractors require bid and performance bonds. We have a company that will issue these bonds and other miscellaneous bonds that our contractors may require to secure a contract.
We are a one stop resource for contractors and construction companies for your insurance needs and we are licensed in six states. We also offer a few more resources that may be of interest:
A) Online O.S.H.A. Safety Training for the 10 & 30 Hour Outreach Construction Courses and the 10 & 30 Hour General Industry Course. Both Certification courses are 100% online and typically have 6 months to complete. You employees don't have to wait for the O.S.H.A. Trainer to come to your town. The courses are valid nationwide and open to anyone who wishes to enroll. The course can be accessed directly through our website www.mjfinsuranceagency.com or at www.mjfoshasafety.com courses are given and certified through the American Safety Council
B) In addition we offer online C.P.R. Certification, Recertification, First Aid Certification,Bloodborne Pathogen, Pro Home Safety & ACLS Certification. Visit our website at www.mjfinsurance.com under Helpful Links or http://mjfonlinecpr.webs.com to take the online class and
use Code - CPR-1865 to enroll. PAY FOR COURSE AFTER YOU COMPLETE AND PASS THE EXAM(100% online).
In some cases some of our insured corporations and business owners will pay for a designated employee to take the C.P.R. courses in order to have someone at the jobsite qualified in case an emergency arises.
C) All companies that M.J.F. represents and have a corporate website will be can be listed on our Preferred Partner Page on our agency website.We offer this as a business referral source in hopes that our insureds can network together and the general public will also visit to find vendors. There is no fee for this listing and you must be insured with us to be posted on the Preferred Partner Page!
Lastly we also offer Mechanical Breakdown Coverage (Extended Vehicle Warranty) for private and commercial vehicles. Program is only available in New York. Under this plan you have your vehicle repaired by any mechanic of your choice when your vehicle breaks down. Mention this Blog Post and pay the annual fee upfront at purchase and we will give you a $200 discount off the annual price of the extended vehicle warranty.
PAYMENT OF PREMIUM
Most carriers require the annual premium to be paid in full at time of binding. M.J.F. has come up with finance options for our clients. We accept American Express, Visa, Mastercard & Discover. In addition we have recently added a finance company that will allow us to offer premium financing on your policy for an Annual Percentage Rate of 9%. I have seen financing in the 15% range and up, so our 9% is a very good rate. We can offer this to program to anyone with a need for a finance agreement. If your with another broker or premium finance company you can still call for a quote of fax over your quote or renewal quote to us at (866) 456-7905. If you prefer to e mail the information we can receive it at mfusco@mjfinsurance.com
As you can see, not only are able to provide you with a competitive quote, we can also provide our clients with many other services. Once you become an MJF client we will requote your policy annually to make sure you have the best coverage and best premium available.
We look forward to hearing from you and appreciate the opportunity to represent you. Licensed in New York, New Jersey, Connecticut, Pennsylvania, Florida & South Carolina.
M.J.F. has secured a number of carriers who are willing to underwrite Commercial General Liability throughout the 5 boroughs and N.Y. State. The most difficult risks are for roofers because the potential for loss is greatest in this field. However, there are a limited number of carriers willing to write roofers. We have already written H.V.A.C, Carpenters, Wood Floor Installation & Repair and Plumbers to name a few classifications. Requesting Certificates of Liability can be done via the website or by phone. It is important that when we quote the policy to let us know if you anticipate how many certificates you may require because some carriers charge per certificate issued. No risk is too big or small for us as we carriers that specialize in annual premiums over $15,000 as well as smaller premium risks.
Workers Compensation typically is written through the New York State Insurance Fund but we have a few options if you are in business for a few years. Depending on the classification and prior loss history.
Some contractors require bid and performance bonds. We have a company that will issue these bonds and other miscellaneous bonds that our contractors may require to secure a contract.
We are a one stop resource for contractors and construction companies for your insurance needs and we are licensed in six states. We also offer a few more resources that may be of interest:
A) Online O.S.H.A. Safety Training for the 10 & 30 Hour Outreach Construction Courses and the 10 & 30 Hour General Industry Course. Both Certification courses are 100% online and typically have 6 months to complete. You employees don't have to wait for the O.S.H.A. Trainer to come to your town. The courses are valid nationwide and open to anyone who wishes to enroll. The course can be accessed directly through our website www.mjfinsuranceagency.com or at www.mjfoshasafety.com courses are given and certified through the American Safety Council
B) In addition we offer online C.P.R. Certification, Recertification, First Aid Certification,Bloodborne Pathogen, Pro Home Safety & ACLS Certification. Visit our website at www.mjfinsurance.com under Helpful Links or http://mjfonlinecpr.webs.com to take the online class and
use Code - CPR-1865 to enroll. PAY FOR COURSE AFTER YOU COMPLETE AND PASS THE EXAM(100% online).
In some cases some of our insured corporations and business owners will pay for a designated employee to take the C.P.R. courses in order to have someone at the jobsite qualified in case an emergency arises.
C) All companies that M.J.F. represents and have a corporate website will be can be listed on our Preferred Partner Page on our agency website.We offer this as a business referral source in hopes that our insureds can network together and the general public will also visit to find vendors. There is no fee for this listing and you must be insured with us to be posted on the Preferred Partner Page!
Lastly we also offer Mechanical Breakdown Coverage (Extended Vehicle Warranty) for private and commercial vehicles. Program is only available in New York. Under this plan you have your vehicle repaired by any mechanic of your choice when your vehicle breaks down. Mention this Blog Post and pay the annual fee upfront at purchase and we will give you a $200 discount off the annual price of the extended vehicle warranty.
PAYMENT OF PREMIUM
Most carriers require the annual premium to be paid in full at time of binding. M.J.F. has come up with finance options for our clients. We accept American Express, Visa, Mastercard & Discover. In addition we have recently added a finance company that will allow us to offer premium financing on your policy for an Annual Percentage Rate of 9%. I have seen financing in the 15% range and up, so our 9% is a very good rate. We can offer this to program to anyone with a need for a finance agreement. If your with another broker or premium finance company you can still call for a quote of fax over your quote or renewal quote to us at (866) 456-7905. If you prefer to e mail the information we can receive it at mfusco@mjfinsurance.com
As you can see, not only are able to provide you with a competitive quote, we can also provide our clients with many other services. Once you become an MJF client we will requote your policy annually to make sure you have the best coverage and best premium available.
We look forward to hearing from you and appreciate the opportunity to represent you. Licensed in New York, New Jersey, Connecticut, Pennsylvania, Florida & South Carolina.
Saturday, November 6, 2010
Underwriting Items Needed To Provide A Quote For Your Commercial Auto Insurance
Maybe you just received your commercial auto policy renewal, perhaps your a new business looking for a quote or just feel its time to see what other carriers are offering?
As an Independent Insurance Agent we require certain information to secure your quote from the carrier.
A) Name of the business
B) Date the business started
C) F.E.I.N. or Federal Tax I.D. Number
D) Copy of your current clear copy of decleration page with pilicy number
E) Preferably time of the quote or at binding typically you need a copy of your 5 Yr loss runs
F) Copy of all vehicle registrations for accurate V.I.N. numbers & list Leinholders for each vehicle
G) Copy of all drivers licenses of those who will be operating vehicles
Keep in mind that this will allow your insurance professional to provide you with a quote much faster if all the submission requirements are provided at inception of the quote process.
It is also important to give your insurance professional ample time to submit and attain quotes from multiple carriers, it is very difficult to provide quotes from all our carriers in one day. In a best case scenario with all the required documentation being collected on the first day we still may require 2 to 5 days to obtain quotes from all our carriers ensuring you get the best available coverage at the best price.
# M.J.F. can write commercial auto for companies with one vehicle with a limited radius up to and including large fleets, buses and even trucks traveling cross country. We even have special cars for hire programs for Yellow, Black and Silver cars.
For more information or a quote you can call us (866) 983-8726
or visit our website at www.mjfinsuranceagency.com
# Licensed Independent Insurance Broker in NY,NJ,CT,PA,FL & SC
We look forward to helping you with your insurance!
As an Independent Insurance Agent we require certain information to secure your quote from the carrier.
A) Name of the business
B) Date the business started
C) F.E.I.N. or Federal Tax I.D. Number
D) Copy of your current clear copy of decleration page with pilicy number
E) Preferably time of the quote or at binding typically you need a copy of your 5 Yr loss runs
F) Copy of all vehicle registrations for accurate V.I.N. numbers & list Leinholders for each vehicle
G) Copy of all drivers licenses of those who will be operating vehicles
Keep in mind that this will allow your insurance professional to provide you with a quote much faster if all the submission requirements are provided at inception of the quote process.
It is also important to give your insurance professional ample time to submit and attain quotes from multiple carriers, it is very difficult to provide quotes from all our carriers in one day. In a best case scenario with all the required documentation being collected on the first day we still may require 2 to 5 days to obtain quotes from all our carriers ensuring you get the best available coverage at the best price.
# M.J.F. can write commercial auto for companies with one vehicle with a limited radius up to and including large fleets, buses and even trucks traveling cross country. We even have special cars for hire programs for Yellow, Black and Silver cars.
For more information or a quote you can call us (866) 983-8726
or visit our website at www.mjfinsuranceagency.com
# Licensed Independent Insurance Broker in NY,NJ,CT,PA,FL & SC
We look forward to helping you with your insurance!
Friday, November 5, 2010
ARE YOU REVIEWING YOU HOMEOWNERS INSURANCE ANNUALLY?
You should review your homeowners policy annually because your mortgage company only needs enough money to pay off your loan. As you know, the value of your home will fluctuate but your mortgage balance decreases annually. Therefore the insurance on your home may not be enough to cover the amount to totally rebuild your home in the event that a catastraphe strikes. Call your insurance professional to review your policy. A replacement cost estimate should be performed so that you can be sure yourhome is insured to cover its full replacement cost. Your mortgage company will recover their investment in the event of a loss. Are you sure that your insurance is enough to rebuild your home?
OCall us to review your policy and provide you with a quote that will cover you in case of a total loss. Isn't your home your most important assett, why not protect it for it's full replacement cost. Remember your bank isn't concerned about replacing your home or where your family will live until the house isrepaired or rebuilt.
It is my responsibility as your independent insurance broker. We look forward to helping you protect your family and all your assetts!
OCall us to review your policy and provide you with a quote that will cover you in case of a total loss. Isn't your home your most important assett, why not protect it for it's full replacement cost. Remember your bank isn't concerned about replacing your home or where your family will live until the house isrepaired or rebuilt.
It is my responsibility as your independent insurance broker. We look forward to helping you protect your family and all your assetts!
If You Own A Business In New York, You Are Probably Required To Carry Workers Compensation
Business owners I can attest to one thing for sure through our accounting and insurance clientele, if you are required to carry workers compensation and an inspector comes in to your store to verify you have an inforce policy, and do not, you will be fined! These fines carry the potential for large penalties compared to having an in force workers compensation policy.
If you do not have workers compensation you can call us to secure a quote for your business.We can help you with your workers compensation, D.B.L. and all of your other business insurance needs that may arise.
If you do not have workers compensation you can call us to secure a quote for your business.We can help you with your workers compensation, D.B.L. and all of your other business insurance needs that may arise.
Nows The Time For Business Owners To Review All Their Insurance Policies
Now is the time to shop your insurance policies if you own a business. I know things are tough in this economy and business owners don't want to pay an additional invoice. However, This is a great time to see if you currently have the best policy coverage and premium available in todays market. The carriers are also feeling the crunch and as an independent insurance agency I have been saving business owners lots of money on their current coverages. Isn't it worth paying the initial deposit to save on your current premium? If your like my clients then you would agree! We even have had clients where in addition to enhancing the coverages on their current policies we have reduced premium. We understand your question might be that you are concerned about the carriers that we use, but each and every carrier is A rated or better.
We are licensed in New York, New Jersey, Connecticut, Florida, Pennsylvania and South Carolina. Why should you let MJF be your Independent Insurance Agency? Because we value the relationship! We will continue to remarket your policy every year upon renewal to ensure you have the best policy in force for your business needs. Since we represent you our goal is to make sure you are happy with our service and have the best policy we can offer. In addition, we offer another great opportunity available to you as a commercial insured with M.J.F. We will place your website on our Preffered Partners page. This is to serve as a referral resource for all our clientele and hopefully will encourage the general public to refer to our site as a reference page for their personal and professional needs.
Call us today and we will be glad to discuss any questions that you may have and provide a quote upon request. No premium or type of busieness is too large or difficult for us to write. Don't forget that we e also offer personal lines coverage and employee benefits.Call us or your independent agency today and allow us to do the work for you as we represent multiple carriers as we can secure the best coverage for you!
We are licensed in New York, New Jersey, Connecticut, Florida, Pennsylvania and South Carolina. Why should you let MJF be your Independent Insurance Agency? Because we value the relationship! We will continue to remarket your policy every year upon renewal to ensure you have the best policy in force for your business needs. Since we represent you our goal is to make sure you are happy with our service and have the best policy we can offer. In addition, we offer another great opportunity available to you as a commercial insured with M.J.F. We will place your website on our Preffered Partners page. This is to serve as a referral resource for all our clientele and hopefully will encourage the general public to refer to our site as a reference page for their personal and professional needs.
Call us today and we will be glad to discuss any questions that you may have and provide a quote upon request. No premium or type of busieness is too large or difficult for us to write. Don't forget that we e also offer personal lines coverage and employee benefits.Call us or your independent agency today and allow us to do the work for you as we represent multiple carriers as we can secure the best coverage for you!
Sunday, October 31, 2010
AddThis Social Bookmarking Sharing Button Widget
AddThis Social Bookmarking Sharing Button Widget: "AddThis is a free way to boost traffic back to your site by making it easier for visitors to share your content"
Thursday, October 21, 2010
Wednesday, October 20, 2010
Holloween Tidbits and Facts
As you prepare for trick or treaters, scary costumes and lots of hair raising fun, brush up on your Halloween trivia facts and tibits. Toss a few little known facts out to Halloween party guests. Don’t forget to check out our spooky Halloween greeting cards and Halloween party invitations too.
In the United States, the first citywide celebration was in Anoka Minnesota in 1921.
36 million is the estimated number of potential trick-or-treaters in 2007— children 5 to 13 — across the United States, down 45,000 from 2005. Of course, many other children — older than 13, and younger than 5 — also go trick-or-treating.
More than 93% of children, under the age of 12, will go out trick-or-treating
Orange and black are Halloween colors because orange is associated with the Fall harvest and black is associated with darkness and death.
Bobbing for apples is thought to have originated from the roman harvest festival that honors Pamona, the goddess of fruit trees
Over $1.5 billion is spent on costumes each year and more than $2.5 billion on other Halloween paraphernalia
Halloween is the 2nd most commercially successful holiday, with Christmas being the first.
About 50% of adults dress up for Halloween, while 67% take part in the activities, such as parties, decorating the house and trick-or-treating with their children
86% of Americans decorate their house for Halloween
Over 10% of pet owners dress their pets in Halloween costumes
The first Halloween card was made in the early 1920′s. These days, over 28 million Halloween cards are sent each year. U.S. consumers spend about $50 million on Halloween greetings
Halloween candy sales average about $2 billion annually in the United States and it is the largest candy-purchasing holiday.
90% of parents admit to sneaking goodies from their kids’ Halloween trick-or-treat bags
More than 35 million pounds of candy corn will be produced this year. That equates to nearly 9 billion pieces – enough to circle the moon nearly 4 times if laid end-to-end. (Read more on halloween trivia at www.corsinet.com/braincandy/halloween.html)
Interested in more Halloween Trivia Facts? Take a look at our History of the Jack O’Lantern article.
In the United States, the first citywide celebration was in Anoka Minnesota in 1921.
36 million is the estimated number of potential trick-or-treaters in 2007— children 5 to 13 — across the United States, down 45,000 from 2005. Of course, many other children — older than 13, and younger than 5 — also go trick-or-treating.
More than 93% of children, under the age of 12, will go out trick-or-treating
Orange and black are Halloween colors because orange is associated with the Fall harvest and black is associated with darkness and death.
Bobbing for apples is thought to have originated from the roman harvest festival that honors Pamona, the goddess of fruit trees
Over $1.5 billion is spent on costumes each year and more than $2.5 billion on other Halloween paraphernalia
Halloween is the 2nd most commercially successful holiday, with Christmas being the first.
About 50% of adults dress up for Halloween, while 67% take part in the activities, such as parties, decorating the house and trick-or-treating with their children
86% of Americans decorate their house for Halloween
Over 10% of pet owners dress their pets in Halloween costumes
The first Halloween card was made in the early 1920′s. These days, over 28 million Halloween cards are sent each year. U.S. consumers spend about $50 million on Halloween greetings
Halloween candy sales average about $2 billion annually in the United States and it is the largest candy-purchasing holiday.
90% of parents admit to sneaking goodies from their kids’ Halloween trick-or-treat bags
More than 35 million pounds of candy corn will be produced this year. That equates to nearly 9 billion pieces – enough to circle the moon nearly 4 times if laid end-to-end. (Read more on halloween trivia at www.corsinet.com/braincandy/halloween.html)
Interested in more Halloween Trivia Facts? Take a look at our History of the Jack O’Lantern article.
Tuesday, October 19, 2010
New Preferred Partner Page on MJF Website
As an added feature for insuring your business with MJF, we are placing your business website link on our preferred Partner Page. We feel very strongly about encouraging our business clients and personal insurance clients and want to help our insureds find reputable vendors to perform the work they may need. It is an excellent source of referrals and free promotional advertising just for being our valuable customer!
The first edition of our Preferred Partner Page is currently up for viewing.
http://www.mjfinsuranceagency.com/
The first edition of our Preferred Partner Page is currently up for viewing.
http://www.mjfinsuranceagency.com/
Collector / Antique / Classic Auto Insurance
Looking to insure your classic or antique dream car, MJF can help right now! Your policy is only minutes away.
Click on the Hagerty link in the margin and you can quote and bind your policy right through our blog!
MJF will be your agent opon issue of your policy. We will help you with all your concerns and service needs.
We can write your policy in the following states NY,NJ,PA,CT,FL & SC.
You can also visit our website to locate the same link and explore our other products and request additional information at any time.
Click on the Hagerty link in the margin and you can quote and bind your policy right through our blog!
MJF will be your agent opon issue of your policy. We will help you with all your concerns and service needs.
We can write your policy in the following states NY,NJ,PA,CT,FL & SC.
You can also visit our website to locate the same link and explore our other products and request additional information at any time.
MJF Adds New Carriers in NJ
MJF has added many new carriers in NY and NJ through its new strategic alliance S.I.A.A. No matter what your business insurance need are we can help you secure the best coverage at the best premiums. We can handle all your commercial automobile and trucking insurance too.
This new alliance also allows us to write more personal lines carriers for auto and home in NJ as well.
Our company is poised to stay atop of the changes in the market place and offers many niche products. Please visit our website for a complete overview. Be sure to check out our new promo too.
http://www.mjfinsuranceagency.com/
This new alliance also allows us to write more personal lines carriers for auto and home in NJ as well.
Our company is poised to stay atop of the changes in the market place and offers many niche products. Please visit our website for a complete overview. Be sure to check out our new promo too.
http://www.mjfinsuranceagency.com/
Saturday, September 25, 2010
MJF Purchases New (Additional) Domain Names
Friday September 24, 2010 MJF purchased the following domains:
http://statenislandautoquotes.com/
and
http://NYBUSINESSINSURANCEQUOTES.com/
This will be the first of such purchases so that it will be easier for prospects to locate our agency.
We used Staten Island Auto Quotes but in fact can provide a quote in NY,NJ,CT,FL,PA & SC. Just use the same quote form to submit your request for a quote.
http://statenislandautoquotes.com/
and
http://NYBUSINESSINSURANCEQUOTES.com/
This will be the first of such purchases so that it will be easier for prospects to locate our agency.
We used Staten Island Auto Quotes but in fact can provide a quote in NY,NJ,CT,FL,PA & SC. Just use the same quote form to submit your request for a quote.
Saturday, September 11, 2010
Netspend Prepaid Debit Cards Can Be Issued To Non U.S. Residents With One (1) Of The following
Once you have submitted your information for enrollment for the Prepaid Debit Visa, you will be required to fax over a copy of your Social Security Card or Individual Taxpayer Identification Number (TIN)
If you do not have these documents we would require one of the following NON U.S. Documents in order to process your card:
1) Foreign Passport
2)Matricula Consolar
3)Voter Registration
4) Visa Number
5)Foreign Drivers License
6)Other Foreign Issued Government I.D.
Enrollment can be done through http://www.mjfinsuranceagency.com/
Fax your I.D. document to 866-456-7905 once your application is submitted to complete the process.
If you do not have these documents we would require one of the following NON U.S. Documents in order to process your card:
1) Foreign Passport
2)Matricula Consolar
3)Voter Registration
4) Visa Number
5)Foreign Drivers License
6)Other Foreign Issued Government I.D.
Enrollment can be done through http://www.mjfinsuranceagency.com/
Fax your I.D. document to 866-456-7905 once your application is submitted to complete the process.
Thursday, September 9, 2010
Online C.P.R. Certification & Recertification Courses ENROLL TODAY!
We offer C.P.R. Training online for the medical profession. Classes are certified and your completion certificate will be forwarded directly to you. In addition we offer classes in
First Aid Certification
Bloodborne Pathogen Certification
Pro Home Safety Certification
ACLSCertification
All Valid Nationwide and ONLINE
Visit http://www.mjfonlinecpr.webs.com/ to enroll today!
Must Use Discount Code CPR-1865
Our Insurance Websites
http://www.mjfinsurance.com/
http://www.mjfinsuranceagency.com/
First Aid Certification
Bloodborne Pathogen Certification
Pro Home Safety Certification
ACLSCertification
All Valid Nationwide and ONLINE
Visit http://www.mjfonlinecpr.webs.com/ to enroll today!
Must Use Discount Code CPR-1865
Our Insurance Websites
http://www.mjfinsurance.com/
http://www.mjfinsuranceagency.com/
Wednesday, September 8, 2010
Group Health Insurance For Small Business Owners In NY
MJF offers group health insurance for small business owners through Atlantis Health Plan!
Carriers are raising premiums annually by as much as 20%!
MJF will come to your business location and provide an insurance review of your existing plan.
Then we can provide you with a full assessment and proposal based on your current health insurance needs and budget.
Contact us today for more information !
866-983-8726
http://www.mjfinsuranceagency.com/
mjfinsurance@gmail.com
Carriers are raising premiums annually by as much as 20%!
MJF will come to your business location and provide an insurance review of your existing plan.
Then we can provide you with a full assessment and proposal based on your current health insurance needs and budget.
Contact us today for more information !
866-983-8726
http://www.mjfinsuranceagency.com/
mjfinsurance@gmail.com
Tuesday, September 7, 2010
M.J.F. Hires Russian Speaking C.S.R. (Customer Service Representative)
We are proud to announce that Michael Melamed will be joining the staff of M.J.F. Insurance .Due to the growing Russian community in Staten Island and other areas of N.Y.C., M.J.F. felt that adding a Russian speaking Customer Service Representative would demonstrate that we are eager, willing and capable of adapting to our community.
If you are a Russian speaking citizen and would like an insurance quote please e amil us your name and phone number and Mr. Melamed will return your call.
mjfinsurance@gmail.com or Call 866-983-8726
If you are a Russian speaking citizen and would like an insurance quote please e amil us your name and phone number and Mr. Melamed will return your call.
mjfinsurance@gmail.com or Call 866-983-8726
Monday, August 30, 2010
Some Tips To Consider When Buying A Hotel
Tips To Consider When Buying A Hotel Or Motel
Hotels and motels can be great investments. The travel industry is not going away, and for this reason, there will always be a need for hotels and motels. While the investment in this industry is generally sound, not all hotels and motels are worth investing in. Here are some tips to consider when contemplating the purchase of a hotel or motel.
As with any purchase of real estate, the condition of the structure should be checked, and inspected by a professional. Necessary repairs, as well as the need for updated furnishings, fixtures, equipment, and inventory should be considered. This information will help you in determining the market value of the property. Once the sale is complete, make sure that the owner gives you a separate bill of sale for all furnishings, fixtures, equipment, and inventory, as well as the deed to the property.
Check with the county or state about planned changes and roadway construction. If the property is on a highway, and there are plans to build a loop, the property and business may not be as valuable as you thought it was.
Stay at the hotel as a guest for a week. Try to do this before anyone is aware that you are considering the property. This will give you the opportunity to view the hotel or motel as a guest would.
Avoid discussing price with the owner of the property. It is better to let the broker handle the negotiations with the owner. You should know in advance what the top dollar you are willing to pay for any property is, and disclose this information to the broker from the start.
If the hotel or motel is franchised, read the franchise disclosure. Also, view the franchise agreement that the current owner has with the company, and find out if that agreement will be transferred to you, or if you will have a new agreement with the company. Find out what fees you will be required to pay to the company upon taking over the property.
Check out the current competition, and consider the potential for future competition. Also consider the local reputation of the hotel or motel. If it has a bad reputation, it will be difficult to change the local opinion. A bad reputation drastically lowers the market value of the property.
Look at the financial statements for the past two or three years. Also, check the occupancy rate. Look at room rates and expenses for running the business. Check the room rates at nearby hotels and motels for comparison. Verify all financial information.
It is usual for the buyer to have a 30 day study period, and this is usually set down in the letter of intent or the agreement of sale. Use this period to check things out to your satisfaction. If you are not satisfied, you can back out of the agreement.
Review contracts that the current owner has with suppliers, as well as customer groups. Find out if those contracts will be renewed or valid after you take over the property. Be sure that the contracts will be satisfactory for you as the owner of the property. If there are existing contracts that you may wish to cancel upon purchasing the property, make sure that you will be able to cancel those contracts without being penalized.
Make sure that the hotel or motel is currently in compliance with governmental requirements. Also consider what licenses and permits you will need to get to operate the property, as well as the requirements and costs in obtaining those licenses and permits. Find out what insurance company is currently insuring the property and how much the premiums are. Do your own insurance shopping as well to see if you can get better coverage, or a better rate.
Looking for an insurance quote on a hotel you already own or plan to purchase? MJF can help you secure the coverage you need to protect your investment.
for more information e mail us at mjfinsurance@gmail.com
Hotels and motels can be great investments. The travel industry is not going away, and for this reason, there will always be a need for hotels and motels. While the investment in this industry is generally sound, not all hotels and motels are worth investing in. Here are some tips to consider when contemplating the purchase of a hotel or motel.
As with any purchase of real estate, the condition of the structure should be checked, and inspected by a professional. Necessary repairs, as well as the need for updated furnishings, fixtures, equipment, and inventory should be considered. This information will help you in determining the market value of the property. Once the sale is complete, make sure that the owner gives you a separate bill of sale for all furnishings, fixtures, equipment, and inventory, as well as the deed to the property.
Check with the county or state about planned changes and roadway construction. If the property is on a highway, and there are plans to build a loop, the property and business may not be as valuable as you thought it was.
Stay at the hotel as a guest for a week. Try to do this before anyone is aware that you are considering the property. This will give you the opportunity to view the hotel or motel as a guest would.
Avoid discussing price with the owner of the property. It is better to let the broker handle the negotiations with the owner. You should know in advance what the top dollar you are willing to pay for any property is, and disclose this information to the broker from the start.
If the hotel or motel is franchised, read the franchise disclosure. Also, view the franchise agreement that the current owner has with the company, and find out if that agreement will be transferred to you, or if you will have a new agreement with the company. Find out what fees you will be required to pay to the company upon taking over the property.
Check out the current competition, and consider the potential for future competition. Also consider the local reputation of the hotel or motel. If it has a bad reputation, it will be difficult to change the local opinion. A bad reputation drastically lowers the market value of the property.
Look at the financial statements for the past two or three years. Also, check the occupancy rate. Look at room rates and expenses for running the business. Check the room rates at nearby hotels and motels for comparison. Verify all financial information.
It is usual for the buyer to have a 30 day study period, and this is usually set down in the letter of intent or the agreement of sale. Use this period to check things out to your satisfaction. If you are not satisfied, you can back out of the agreement.
Review contracts that the current owner has with suppliers, as well as customer groups. Find out if those contracts will be renewed or valid after you take over the property. Be sure that the contracts will be satisfactory for you as the owner of the property. If there are existing contracts that you may wish to cancel upon purchasing the property, make sure that you will be able to cancel those contracts without being penalized.
Make sure that the hotel or motel is currently in compliance with governmental requirements. Also consider what licenses and permits you will need to get to operate the property, as well as the requirements and costs in obtaining those licenses and permits. Find out what insurance company is currently insuring the property and how much the premiums are. Do your own insurance shopping as well to see if you can get better coverage, or a better rate.
Looking for an insurance quote on a hotel you already own or plan to purchase? MJF can help you secure the coverage you need to protect your investment.
for more information e mail us at mjfinsurance@gmail.com
Sunday, August 29, 2010
Just Engaged...Where to Start Planning
Just Engaged...Where to Start Planning
This posting will help you, the newly engaged couple to focus and streamline the wedding planning process. Just click on the link above to access the article.
This posting will help you, the newly engaged couple to focus and streamline the wedding planning process. Just click on the link above to access the article.
A Bridal Affair To Remember - September & October 2010 Dates and Locations
Wednesday, 1
6:45 pm The Villa Barone Manor
737 Throgs Nexk Expwy Bronx, NY Order
Tuesday, 21
7:00 pm The Staaten
697 Forest Avenue Staten Island, NY Order
Wednesday, 29
6:45 pm Sirico's Caterers
8023 13th Avenue Brooklyn, NY Order
October 2010
Wednesday, 13
6:45 pm South Shore Country Club
200 Huguenot Ave Staten Island, NY Order
Tuesday, 19
7:00 pm Verdi's Of Westbury
680 Old Country Rd Westbury, NY Order
Tuesday, 26
6:45 pm Ariana's Grand
800 Rahway Avenue Woodbridge, NJ Order
6:45 pm The Villa Barone Manor
737 Throgs Nexk Expwy Bronx, NY Order
Tuesday, 21
7:00 pm The Staaten
697 Forest Avenue Staten Island, NY Order
Wednesday, 29
6:45 pm Sirico's Caterers
8023 13th Avenue Brooklyn, NY Order
October 2010
Wednesday, 13
6:45 pm South Shore Country Club
200 Huguenot Ave Staten Island, NY Order
Tuesday, 19
7:00 pm Verdi's Of Westbury
680 Old Country Rd Westbury, NY Order
Tuesday, 26
6:45 pm Ariana's Grand
800 Rahway Avenue Woodbridge, NJ Order
Family Cruise Nights - Staten Island, NY (Classic Car Showcase Till 9/25/10)
Family Cruise Nites: Classic Car ShowcaseWhen :
08/25/2010 5:30pm 8:30pm - 08/25/2010
Where :
Historic Richmond Town
441 Clarke Ave. Staten Island, NY
Who :
No performers specified
Event Details
Category: OtherEvery Wednesday evening until Sept. 29, the Staten Island Region Antique Automobile Club of America will be on Historic Richmond Town's Center Street so people can get a look at the classic cars from the golden age of the American automobile. Admission is free. Call 718-351-1611 or visit nycgovparks.org for more details.
08/25/2010 5:30pm 8:30pm - 08/25/2010
Where :
Historic Richmond Town
441 Clarke Ave. Staten Island, NY
Who :
No performers specified
Event Details
Category: OtherEvery Wednesday evening until Sept. 29, the Staten Island Region Antique Automobile Club of America will be on Historic Richmond Town's Center Street so people can get a look at the classic cars from the golden age of the American automobile. Admission is free. Call 718-351-1611 or visit nycgovparks.org for more details.
Staten Island Pet Expo @ Moore Catholic High School
Mark your calendars for Staten Island Pet Expo!
Oct 2, 2010 to Oct 3, 2010
11am to 7pm
Admission: $10 to enter
Benefiting: P.L.U.T.O
This event will promote responsible pet ownership to SI Pet owners. Exhibiting companies will be offering the latest services and products to the SI Pet Lovers. Adoption opportunites will be available at the expo.
For more information, please call 6469422042 or email promano@greenmarineproductions.com.
Oct 2, 2010 to Oct 3, 2010
11am to 7pm
Admission: $10 to enter
Benefiting: P.L.U.T.O
This event will promote responsible pet ownership to SI Pet owners. Exhibiting companies will be offering the latest services and products to the SI Pet Lovers. Adoption opportunites will be available at the expo.
For more information, please call 6469422042 or email promano@greenmarineproductions.com.
Wednesday, August 25, 2010
A.S.P.C.A. Pet Insurance Online Application
If you would like to purchase pet insurance, you can do so by clicking on the following A.S.P.C.A. link. Enrolling your pet has never been so easy!
https://www.petinsurancestore.com/Step1.aspx
Use Code Pet 127
https://www.petinsurancestore.com/Step1.aspx
Use Code Pet 127
Tips When Purchasing Commercial Insurance Coverage
COMMERCIAL INSURANCE TIPS
1. Package policies are almost always cheaper than individual policies. Consider combining liability coverage with your building or contents coverages.
2. Don't forget "income protection" insurance. It's inexpensive and can make the difference in surviving a major loss.
3. Tools and equipment are rarely covered off premises unless individually listed. If you list your tools, be sure not to over insure.... riders like this usually protect you on an "actual cash value" (market value) basis and NOT on replacement cost (cost new).
4. Have you properly insured your computer hardware and software?
5. Be sure to properly describe what your business does on your policy. Failure to do so will jeopardize your coverage.
6. Higher deductibles on property insurance will save you money. Consider deductibles of at least $1,000 for commercial buildings.
7. Don't forget to specifically insure your sign and any plate glass. They are often excluded on your building policy.
8. Business Catastrophe policies (sometimes called "umbrellas") are a great way to increase your overall protection.
9. Take a good look at your fleet or business auto policy. You should be carrying proper deductibles, charged for proper uses, and credited for good experience. Also be SURE you are protected for "non-owned" autos.
10. Snowplowing? You need proper auto liability AND general liability protection. If someone slips on the ice they say you missed, they will sue you... guaranteed!
11. Shop... shop... shop! All of your business insurance should be checked every two or three years. The market is constantly changing and you need to know your coverages are accurate and your rates are the best that you can get! Call us at (866) 983-8726 for a review of your policies.
1. Package policies are almost always cheaper than individual policies. Consider combining liability coverage with your building or contents coverages.
2. Don't forget "income protection" insurance. It's inexpensive and can make the difference in surviving a major loss.
3. Tools and equipment are rarely covered off premises unless individually listed. If you list your tools, be sure not to over insure.... riders like this usually protect you on an "actual cash value" (market value) basis and NOT on replacement cost (cost new).
4. Have you properly insured your computer hardware and software?
5. Be sure to properly describe what your business does on your policy. Failure to do so will jeopardize your coverage.
6. Higher deductibles on property insurance will save you money. Consider deductibles of at least $1,000 for commercial buildings.
7. Don't forget to specifically insure your sign and any plate glass. They are often excluded on your building policy.
8. Business Catastrophe policies (sometimes called "umbrellas") are a great way to increase your overall protection.
9. Take a good look at your fleet or business auto policy. You should be carrying proper deductibles, charged for proper uses, and credited for good experience. Also be SURE you are protected for "non-owned" autos.
10. Snowplowing? You need proper auto liability AND general liability protection. If someone slips on the ice they say you missed, they will sue you... guaranteed!
11. Shop... shop... shop! All of your business insurance should be checked every two or three years. The market is constantly changing and you need to know your coverages are accurate and your rates are the best that you can get! Call us at (866) 983-8726 for a review of your policies.
Sunday, August 22, 2010
Dog-bite claims grab record insurance chunk - Chicago Tribune
Dog-bite claims grab record insurance chunk - Chicago Tribune
MJF offers canine legal liability insurance for NY residents. If you own a breed of dog with a tendency to be vicious and must not be trained to be a guard or attack dog. You may qualify for our product. Company also offers a multi dog discount.
MJF offers canine legal liability insurance for NY residents. If you own a breed of dog with a tendency to be vicious and must not be trained to be a guard or attack dog. You may qualify for our product. Company also offers a multi dog discount.
Group Health Insurance Premiums Increasing?
If your a business owner chances are your premiums have recently been increased or will be upon your annual renewal. M.J.F. works with multiple health insurance carriers such as GHIAtlantis, Aetna, Blue Cross Blue Shield to just name a few . Chances are we can help you find a health insurance plan to fit your needs. In addition we also offer dental insurance plans for as little as 2 employees. We are licensed in NY,NJ,CT,FL,PA and SC but plans vary by state.
Contact us today to review your current health insurance plan and let MJF try to find a plan that fits your health insurance needs!
http://www.mjfinsuranceagency.com/
Contact us today to review your current health insurance plan and let MJF try to find a plan that fits your health insurance needs!
http://www.mjfinsuranceagency.com/
MJF INSURANCE NOW HAS SCANLIFE BARCODE CAPABILITY
M.J.F INSURANCE AGENCY,INC WEBSITE ADDS
SCANLIFE BARCODE FOR EASE OF ACCESS
Friday, August 20, 2010
NY & NJ Online Defensive Driver Courses - American Safety Council / MJF Insurance
M.J.F. offers online driver training courses. These courses qualify you for insurance discounts and a reduction of points on your drivers license, REMOVES UP TO 4 POINTS.
Please check with your insurance carrier in N.J. to verify your benefit.
In N.Y. you receive a 10% discount on your premium and up to 4 points removed off your license.
Courses Offered: 30 Days to complete the class,
Electronically reported to D.M.V. within 24 hours,
Receive your certificate in approximately 7 days via mail
100% ONLINE, NO EXAMS!
N.Y. ONLINE Defensive Drivers Course: Course fee is $27 with promotional code NYP4BE67
N.J. ONLINE Deefensive Driver Discount Course: Course fee is $32
N.J. ONLINE Mature Driver Insurance Discount Class: Must be over age 50, Course fee is $19.95
you can acces class through http://www.mjfdefensivedriver.com/
or
http://www.mjfinsuranceagency.com/
Please check with your insurance carrier in N.J. to verify your benefit.
In N.Y. you receive a 10% discount on your premium and up to 4 points removed off your license.
Courses Offered: 30 Days to complete the class,
Electronically reported to D.M.V. within 24 hours,
Receive your certificate in approximately 7 days via mail
100% ONLINE, NO EXAMS!
N.Y. ONLINE Defensive Drivers Course: Course fee is $27 with promotional code NYP4BE67
N.J. ONLINE Deefensive Driver Discount Course: Course fee is $32
N.J. ONLINE Mature Driver Insurance Discount Class: Must be over age 50, Course fee is $19.95
you can acces class through http://www.mjfdefensivedriver.com/
or
http://www.mjfinsuranceagency.com/
Thursday, August 19, 2010
NY Online 6 Hour Defensive Driver Training Class ($27)
USE PROMOTIONAL CODE - NYP4BE67 FOR THE $5 DISCOUNT
http://www.mjfdefensivedriver.com/ Direct access to the Defensive Driver Training site
30 days to complete the class and your certificate will be mailed within 7 days.
Qualifies you for a point reduction on your NY license of up to 4 points.
Qualifies you for a 10% discount on your insurance premium.
http://www.mjfinsuranceagency.com/ Agency website to access all of our products and services including Online O.S.H.A. Training
http://www.mjfdefensivedriver.com/ Direct access to the Defensive Driver Training site
30 days to complete the class and your certificate will be mailed within 7 days.
Qualifies you for a point reduction on your NY license of up to 4 points.
Qualifies you for a 10% discount on your insurance premium.
http://www.mjfinsuranceagency.com/ Agency website to access all of our products and services including Online O.S.H.A. Training
MJF Now Licensed South Carolina
Its official, we have recently been licensed to write in South Carolina! Please contact us if you would like to receive a quot from one of our competitive carriers.
Let MJF Insurance Write Your Surety Bond
MJF can help you secure your Bond! Some of the more popular bonds we write are Bid, Receivership, Fiduciary,Probate and Performance Bonds. To secure more information or to request a quote, please e mail or call us today. We'll be happy to assist you!
Tuesday, August 17, 2010
Concession Vendors
Do you operate as a concession vendor? If so MJF has a carrier that can insure your business. Whether you run a hot dog cart, flower stand or other type of cart give MJF a call today!
Sunday, August 15, 2010
Saturday, August 14, 2010
Partner Links
Today I started the Partner Links section on our weblog. The links you find on the top of the page are establishments that we do business with. Hopefully, our clients,guests and followers will find this to be a valuable resource and continue to visit our blog to check for our updates.
Friday, August 13, 2010
Some Successes For August 2010
Some of the types of business we are writing in August 2010:
- Consultant - Commercial Liability (Responsible For providing indication on supplies to order based on architechts building plans
- Office Furniture - Retailer with large storefront (Commercial Liability, Business Auto and Commercial Umbrella)
- Contactor - Installs & Refinishes Hardwood Floors (Commercial Liability and Workers Compansation)
- Deli - with cooking-not open 24hrs (Commercial Liability & Property)
- Restaurant-Nutritional Meals delivered, no table service (Commercial Liability)
- Pennsylvania Annuity - Qualified - with 20% bonus upon approval. Rates Subject to Change.
- NY Annuity - 6.09% year one, 3 % guarunteed remainder of contract. Rates Subject to Change.
- Florida Annuity - Non Qualified - 8% bonus on approval - potential 12% year one return, 3% guarunteed for duration of contract. Rates Subject to Change.
Netspend Prepaid Debit Visa Card
Apply for Your Netspend Prepaid Visa Debit Card By Clicking on This Link
Netspend Prepaid Debit Visa Card
No Credit Checks
No Interest Charges
Debit Card is Free
Savings Account Option
Cash Advance Option if You Have Direct Deposit of Your Payroll Activated
Can Be Used For:
Direct Deposit of Payroll
Direct Deposit of your Social Security Checks
Direct Deposit of your Tax Refund
Filling The Card:
Money Gram Locations
Western union Locations
Online Bank Account Electronic Fund Transfer
Cardholder to Cardholder Transfer
Can Reload at Most Pharmacies
Pharmacies Carry Reload Packs in Case You Don't Have The Card With You
Reporting:
Anytime Alerts to Your E Mail or Texts to Your Cell Phone
Daily Balance Alerts
Purchase Alerts - Every Purchase to Prevent Fraudulent Transactions
Visit http://www.mjfinsuranceagency.com/
Go To Products and Click on Netspend to Access the Online Application
You Will Receive Your Card in 7-10 Days.
Must have a valid Social Security Number and Be At Least 18 Years of Age
or call 866-983-8726 for more information
Netspend Prepaid Debit Visa Card
No Credit Checks
No Interest Charges
Debit Card is Free
Savings Account Option
Cash Advance Option if You Have Direct Deposit of Your Payroll Activated
Can Be Used For:
Direct Deposit of Payroll
Direct Deposit of your Social Security Checks
Direct Deposit of your Tax Refund
Filling The Card:
Money Gram Locations
Western union Locations
Online Bank Account Electronic Fund Transfer
Cardholder to Cardholder Transfer
Can Reload at Most Pharmacies
Pharmacies Carry Reload Packs in Case You Don't Have The Card With You
Reporting:
Anytime Alerts to Your E Mail or Texts to Your Cell Phone
Daily Balance Alerts
Purchase Alerts - Every Purchase to Prevent Fraudulent Transactions
Visit http://www.mjfinsuranceagency.com/
Go To Products and Click on Netspend to Access the Online Application
You Will Receive Your Card in 7-10 Days.
Must have a valid Social Security Number and Be At Least 18 Years of Age
or call 866-983-8726 for more information
Personal Wedding Websites Created by You :: Wed Page Designs Wedding Website
Personal Wedding Websites Created by You :: Wed Page Designs Wedding Website
Planning your wedding?
Let MJF Insurance Agency help you plan and protect your future together!
Your website will help you keep your guests informed, post your bridal registries, photo slideshows, accept r.s.v.p.'s. Become elidgible for discounts, post interactive maps etc.. Visit our site today and take advantage of our free trial offer. If you decide to continue beyond the free trial period you can do so for a minimal fee.
Visit the M.J.F. wedding planner site to create your site today! www.wedpagedesigns.com/mjfweddingpages
Congratulations and best wishes on your special day!
If MJF Insurance Agency can be of any further assistance, please feel free to contact us via the web
http://www.mjfinsuranceagency.com/ or toll free at 866-983-8726
Planning your wedding?
Let MJF Insurance Agency help you plan and protect your future together!
Your website will help you keep your guests informed, post your bridal registries, photo slideshows, accept r.s.v.p.'s. Become elidgible for discounts, post interactive maps etc.. Visit our site today and take advantage of our free trial offer. If you decide to continue beyond the free trial period you can do so for a minimal fee.
Visit the M.J.F. wedding planner site to create your site today! www.wedpagedesigns.com/mjfweddingpages
Congratulations and best wishes on your special day!
If MJF Insurance Agency can be of any further assistance, please feel free to contact us via the web
http://www.mjfinsuranceagency.com/ or toll free at 866-983-8726
Monday, March 29, 2010
National Flood Insurance Plan (N.F.I.P.) Non Renewed by Congress
National Flood Insurance Plan (N.F.I.P.) was not renewed by Congress and expired March 28, 2010 and the earliest it can be reinstated by Congress would be April 12th, 2010.
This means that existing N.F.I.P. policies cannot be renewed and that no new policies cannot be written. If you are in need of an alternative coverage MJF can provide a plan for you.
For additional information and a quote
please call us at 866-983-8726 or submit for a quote via our secure website http://www.mjfinsurance.com/
This means that existing N.F.I.P. policies cannot be renewed and that no new policies cannot be written. If you are in need of an alternative coverage MJF can provide a plan for you.
For additional information and a quote
please call us at 866-983-8726 or submit for a quote via our secure website http://www.mjfinsurance.com/
Thursday, March 18, 2010
Extended Vehicle Warranty Program
MJF offers an extended warranty program for your vehicle to cover mechanical breakdown. There are four levels of protection available. We can offer wear and tear as well as luxury items such as navigational systems.
Company is owned by GMAC and you can use your own mechanic. Can be purchased for any persoanl vehicle as well as commercial vehicles. We can write the plan in NY and NJ. For more information call
1 866-983-8726. Now offering a 10% discount until 4/30/10
Merchants, looking to accept credit cards for your business? MJF will soon be offering Merchant Services, please check back to find out our launch date for that program.
Company is owned by GMAC and you can use your own mechanic. Can be purchased for any persoanl vehicle as well as commercial vehicles. We can write the plan in NY and NJ. For more information call
1 866-983-8726. Now offering a 10% discount until 4/30/10
Merchants, looking to accept credit cards for your business? MJF will soon be offering Merchant Services, please check back to find out our launch date for that program.
Wednesday, March 17, 2010
MJF Officially Appointed To Sell Metlife Bank Products
MJF Officially Appointed to Sell Metlife Bank Products
Looking for a Certificate of Deposit, Money Market. Day to Day I.R.A., Checking Accounts. MJF can help you open your account with metlife Bank. Call for more info 1 866-983-8726.
http://www.mjfinsurance.com/
Looking for a Certificate of Deposit, Money Market. Day to Day I.R.A., Checking Accounts. MJF can help you open your account with metlife Bank. Call for more info 1 866-983-8726.
http://www.mjfinsurance.com/
Saturday, March 6, 2010
Thursday, March 4, 2010
Bill Would Allow Property Insurers To Raise Rates In Florida
Edsel Hulse, a veteran who lives in Hollywood, said he's expecting his Citizens Property Insurance Corp. windstorm insurance policy premium to increase this year because state legislators in 2009 approved allowing the insurer to boost premiums by up to 10 percent annually.
But he's also worried that may not be the last of it. Hulse, like many other South Florida insurance policyholders, is apprehensive about new insurance laws the Legislature is slated to take up when it convenes its annual session March 2.
Key Florida lawmakers are drafting legislation that would essentially allow additional property insurance rate increases and reduce fraudulent claims and discounts that can drive up insurance costs.
Sen. Garrett Richter, R-Naples, who leads the Senate's insurance committee, and Rep. Bryan Nelson, R-Apopka, said they plan to file broad property insurance measures that would expand on an insurance bill passed last year that, among other things, allowed insurers to increase premiums by up to 10 percent to pass certain backup coverage costs to policyholders.
"With that bill we crossed the starting line, which is dramatically different than crossing the finishing line," Richter said.
Richter and Nelson, who sponsored the bill last year, are considering having other fixed costs included in the 10 percent provision. That could drive up the cost of Hulse's homeowner policy, covered by a private insurer. "So now instead of worrying about taxes, I have to worry about insurance," Hulse said, adding that 40 percent of his monthly income already goes to paying insurance premiums, utility bills and taxes.
Insurance industry executives say rates aren't high enough to build claims-paying reserves and are pressing lawmakers for relief. "Even though Florida has gone four years without a hurricane, many major property insurers lost money in 2009," wrote the Florida Insurance Council, a trade group, in a recent report.
The state's Office of Insurance Regulation approved 99 homeowner insurance proposals to increase statewide average rates last year by 0.2 percent to 27.9 percent and 15 proposals to decrease rates, according to data from the agency.
Insurance Commissioner Kevin McCarty told a panel of senators in October that 102 of 210 property insurers with a significant presence in Florida reported that premiums collected during the first half of the year weren't enough to cover claims and expenses. But McCarty also said that 150 of the companies reported an increase in claims-paying reserves. Specific Florida figures aren't available.
Overall, U.S. property and casualty insurers are expected to earn a net income of $30.6 billion in 2009, up from $3.8 billion in 2008, according to a report this month from A.M. Best, which rates the financial health of insurers.
Senate President Jeff Atwater — who co-sponsored a law passed in 2008 that extended Citizens' rate freeze and allowed regulators to reject rate increases before they took effect — said Florida's insurance market is healthier now but still needs help.
"We're focused on two fronts: Not doing anything that would make it more difficult for consumers to get prompt payment of claims and fair pricing," said Atwater, R-North Palm Beach, adding that legislators also want to show insurers that Florida has a fair regulatory environment.
Stephen Marino, an attorney for policyholders at Ver Ploeg & Lumpkin in Miami, said the Legislature has bigger issues to deal with. "It troubles me that the insurance industry is causing legislators to expend resources on these changes for no good reason other than because the industry wants them," he said.
Like other major industries, insurers are aggressive in pushing their agenda. The Republican Party of Florida received more than $1.5 million from insurance industry representatives and groups last year and the Democrats received more than $600,000, according to state campaign finance records.
Sen. Mike Bennett, R-Bradenton, and Rep. Bill Proctor, R-St. Augustine, proposed legislation this year that would essentially allow insurers to increase rates as much as they want. Gov. Charlie Crist vetoed a similar bill they proposed last year and vowed to do the same this year.
Sam Miller, executive vice president of the insurance council, said his group supports the idea but has resigned itself to the fact that it won't get far. He said legislators should at least allow capped annual rate increases as they did for Citizens. "We need a glide path [increase] for private insurers. It's gotta be capped. It's gotta be incremental," Miller told the Sun Sentinel editorial board last week.
Bill Newton, executive director of the Florida Consumer Action Network, said consumers can't afford 10 percent increases every year and insurers "don't deserve that kind of latitude."
Insurance Consumer Advocate Sean Shaw said that if legislators limit the state's authority to shoot down rate increases, they should consider allowing his office to participate in insurance rate hearings on behalf of consumers — much like the Office of Public Counsel does for utility proposals.
Richter and Nelson's bills aim to:
Prevent inspectors from inflating discounts. Legislators want to beef up the state's regulation of home inspections because some homeowners are getting discounts they don't deserve for fortifying their homes against hurricanes. After recently inspecting 452 homes, Citizens found 311 were not eligible for the discounts.
Increase the state's authority to set common guidelines on the scope of damage during mediation, a program to help resolve disputes between insurers and policyholders over claims.
Reduce fraud that drives up costs for insurers. One idea is to undo parts of a 2005 law that required insurers to pay the full cost of replacing damaged items before repairs are made. "What's happening is the policyholder is saying, ‘I'm going to get my $2,000, $3,000 for the kitchen floor but I'm not going to replace the kitchen floor,' " Nelson said. Another idea is to limit the time policyholders have to open claims after a hurricane.
A state fund that sells catastrophe coverage to insurers reports that it must raise up to $710 million more to pay for losses from the 2005 hurricane season. It proposes increasing a fee that all automobile and property insurance policyholders pay from 1 percent of premiums to 1.3 percent.
"We're supposed to only pay claims that are due, not that are inflated," said Stacey Giulianti, the chief legal officer of Boca Raton-based Florida Peninsula Insurance Co.
Marino said insurers' claims of fraud are overblown. A recent state study found that in the past six years, the Division of Insurance Fraud received 937 complaints about fraud related to public adjusters from insurers and others, investigated 269 of them and made 31 arrests from 2004 to 2009.
Story was writtten by Julie Patel of the Sun Sentinel
But he's also worried that may not be the last of it. Hulse, like many other South Florida insurance policyholders, is apprehensive about new insurance laws the Legislature is slated to take up when it convenes its annual session March 2.
Key Florida lawmakers are drafting legislation that would essentially allow additional property insurance rate increases and reduce fraudulent claims and discounts that can drive up insurance costs.
Sen. Garrett Richter, R-Naples, who leads the Senate's insurance committee, and Rep. Bryan Nelson, R-Apopka, said they plan to file broad property insurance measures that would expand on an insurance bill passed last year that, among other things, allowed insurers to increase premiums by up to 10 percent to pass certain backup coverage costs to policyholders.
"With that bill we crossed the starting line, which is dramatically different than crossing the finishing line," Richter said.
Richter and Nelson, who sponsored the bill last year, are considering having other fixed costs included in the 10 percent provision. That could drive up the cost of Hulse's homeowner policy, covered by a private insurer. "So now instead of worrying about taxes, I have to worry about insurance," Hulse said, adding that 40 percent of his monthly income already goes to paying insurance premiums, utility bills and taxes.
Insurance industry executives say rates aren't high enough to build claims-paying reserves and are pressing lawmakers for relief. "Even though Florida has gone four years without a hurricane, many major property insurers lost money in 2009," wrote the Florida Insurance Council, a trade group, in a recent report.
The state's Office of Insurance Regulation approved 99 homeowner insurance proposals to increase statewide average rates last year by 0.2 percent to 27.9 percent and 15 proposals to decrease rates, according to data from the agency.
Insurance Commissioner Kevin McCarty told a panel of senators in October that 102 of 210 property insurers with a significant presence in Florida reported that premiums collected during the first half of the year weren't enough to cover claims and expenses. But McCarty also said that 150 of the companies reported an increase in claims-paying reserves. Specific Florida figures aren't available.
Overall, U.S. property and casualty insurers are expected to earn a net income of $30.6 billion in 2009, up from $3.8 billion in 2008, according to a report this month from A.M. Best, which rates the financial health of insurers.
Senate President Jeff Atwater — who co-sponsored a law passed in 2008 that extended Citizens' rate freeze and allowed regulators to reject rate increases before they took effect — said Florida's insurance market is healthier now but still needs help.
"We're focused on two fronts: Not doing anything that would make it more difficult for consumers to get prompt payment of claims and fair pricing," said Atwater, R-North Palm Beach, adding that legislators also want to show insurers that Florida has a fair regulatory environment.
Stephen Marino, an attorney for policyholders at Ver Ploeg & Lumpkin in Miami, said the Legislature has bigger issues to deal with. "It troubles me that the insurance industry is causing legislators to expend resources on these changes for no good reason other than because the industry wants them," he said.
Like other major industries, insurers are aggressive in pushing their agenda. The Republican Party of Florida received more than $1.5 million from insurance industry representatives and groups last year and the Democrats received more than $600,000, according to state campaign finance records.
Sen. Mike Bennett, R-Bradenton, and Rep. Bill Proctor, R-St. Augustine, proposed legislation this year that would essentially allow insurers to increase rates as much as they want. Gov. Charlie Crist vetoed a similar bill they proposed last year and vowed to do the same this year.
Sam Miller, executive vice president of the insurance council, said his group supports the idea but has resigned itself to the fact that it won't get far. He said legislators should at least allow capped annual rate increases as they did for Citizens. "We need a glide path [increase] for private insurers. It's gotta be capped. It's gotta be incremental," Miller told the Sun Sentinel editorial board last week.
Bill Newton, executive director of the Florida Consumer Action Network, said consumers can't afford 10 percent increases every year and insurers "don't deserve that kind of latitude."
Insurance Consumer Advocate Sean Shaw said that if legislators limit the state's authority to shoot down rate increases, they should consider allowing his office to participate in insurance rate hearings on behalf of consumers — much like the Office of Public Counsel does for utility proposals.
Richter and Nelson's bills aim to:
Prevent inspectors from inflating discounts. Legislators want to beef up the state's regulation of home inspections because some homeowners are getting discounts they don't deserve for fortifying their homes against hurricanes. After recently inspecting 452 homes, Citizens found 311 were not eligible for the discounts.
Increase the state's authority to set common guidelines on the scope of damage during mediation, a program to help resolve disputes between insurers and policyholders over claims.
Reduce fraud that drives up costs for insurers. One idea is to undo parts of a 2005 law that required insurers to pay the full cost of replacing damaged items before repairs are made. "What's happening is the policyholder is saying, ‘I'm going to get my $2,000, $3,000 for the kitchen floor but I'm not going to replace the kitchen floor,' " Nelson said. Another idea is to limit the time policyholders have to open claims after a hurricane.
A state fund that sells catastrophe coverage to insurers reports that it must raise up to $710 million more to pay for losses from the 2005 hurricane season. It proposes increasing a fee that all automobile and property insurance policyholders pay from 1 percent of premiums to 1.3 percent.
"We're supposed to only pay claims that are due, not that are inflated," said Stacey Giulianti, the chief legal officer of Boca Raton-based Florida Peninsula Insurance Co.
Marino said insurers' claims of fraud are overblown. A recent state study found that in the past six years, the Division of Insurance Fraud received 937 complaints about fraud related to public adjusters from insurers and others, investigated 269 of them and made 31 arrests from 2004 to 2009.
Story was writtten by Julie Patel of the Sun Sentinel
What is The Cost To Add Eartquake Insurance to Your Curent Policy?
The Insurance Information Institute estimates that earthquake insurance for a brick home would likely cost between 60 cents to 90 cents per $1,000 of coverage in New York, compared to the Pacific Northwest where it would cost from $3 to $15 per $1,000 for a similar home, according to the NYSID.
Did You Know That Earthquake Coverage is Available?
With the backdrop of the devastation in Haiti fresh in people’s minds, New York insurance regulators are not ruling out a similar event in their own state, a key reason they say insurers should promote the opportunity to buy coverage for such a devastating occurrence.
The New York State Insurance Department recently said that in terms of having a home or business property insured against earthquakes, the state “is probably not prepared,” noting that earthquake insurance accounted for $15 million of the $3.9 billion in total premiums written by property-casualty insurers in 2007. In 2008, the NYSID noted, the amount of earthquake policy premiums remained essentially the same.
James J. Wrynn
“Many people are probably unaware that standard homeowners’, renters and business insurance policies specifically exclude covering damage caused by earthquakes,” said New York Insurance Superintendent James J. Wrynn in a statement. “Coverage can be obtained, but it usually needs to be purchased as a separate policy or as an endorsement to an existing homeowners’ policy.”
The New York State Insurance Department recently said that in terms of having a home or business property insured against earthquakes, the state “is probably not prepared,” noting that earthquake insurance accounted for $15 million of the $3.9 billion in total premiums written by property-casualty insurers in 2007. In 2008, the NYSID noted, the amount of earthquake policy premiums remained essentially the same.
James J. Wrynn
“Many people are probably unaware that standard homeowners’, renters and business insurance policies specifically exclude covering damage caused by earthquakes,” said New York Insurance Superintendent James J. Wrynn in a statement. “Coverage can be obtained, but it usually needs to be purchased as a separate policy or as an endorsement to an existing homeowners’ policy.”
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