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!

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.

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!