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Friday, November 26, 2010
NYC Cabbies Getting New Dress Code Law
NYTimes: Administration Is Bracing for Setbacks to Health Law
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
Tweet from Tweetcaster
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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.”
National Flood Insurance Plan
The National Flood Insurance Program, which ran out of funding Feb. 28, has been extended to March 28, the latest in a series of short-term extensions by Congress.
Saturday, February 27, 2010
^ Ways to Lower Your Auto Insurance
Check out these six money-saving tips and take the sting out of buying insurance.
#1 Raise your deductible. It’s a gamble, sure. You’ll be responsible for a larger amount of the bill should you get into an accident. However, this is a guaranteed way to lower your annual insurance costs.
#2 Shop around. Staying with the same insurance company year after year may not be in your best interest. You can cancel or change your policy at any time—you don’t need to wait for the policy to expire. So shop your insurance every six months and compare prices to ensure you are getting the best deal.
#3 Remove unneeded extras. Although knowing you have towing and rental car coverage may help you sleep at night, those add-ons are rarely used and not necessarily worth the cost. You pay between $10 and $30 a year over the life of your policy to cover towing. And in the unlikely situation that you need a tow, you’ll pay about $100. Likewise, a small economy car costs $20-$25 a day to rent and car rental tacks on another $20-$40 to your insurance bill each year. So you can sleep well knowing that you saved yourself some money.
#4 Protect your credit. More insurers have begun using credit-based insurance scores to determine what you pay for your policy. So paying the water bill on time will actually keep your insurance costs down.
#5 Research discounts. Cars with safety and anti-theft devices cost less to insure. You can also knock off a few bucks if you insure your car and home with the same company. People who abstain from alcohol, get good grades in school or take a driver education course are also rewarded with lower premiums.
#6 Get informed. The easiest way to save on any insurance is to research before you buy. And get recommendations from family and friends.
And now for the shameless plug: shop here to find quotes and matched with agents from your area!
#1 Raise your deductible. It’s a gamble, sure. You’ll be responsible for a larger amount of the bill should you get into an accident. However, this is a guaranteed way to lower your annual insurance costs.
#2 Shop around. Staying with the same insurance company year after year may not be in your best interest. You can cancel or change your policy at any time—you don’t need to wait for the policy to expire. So shop your insurance every six months and compare prices to ensure you are getting the best deal.
#3 Remove unneeded extras. Although knowing you have towing and rental car coverage may help you sleep at night, those add-ons are rarely used and not necessarily worth the cost. You pay between $10 and $30 a year over the life of your policy to cover towing. And in the unlikely situation that you need a tow, you’ll pay about $100. Likewise, a small economy car costs $20-$25 a day to rent and car rental tacks on another $20-$40 to your insurance bill each year. So you can sleep well knowing that you saved yourself some money.
#4 Protect your credit. More insurers have begun using credit-based insurance scores to determine what you pay for your policy. So paying the water bill on time will actually keep your insurance costs down.
#5 Research discounts. Cars with safety and anti-theft devices cost less to insure. You can also knock off a few bucks if you insure your car and home with the same company. People who abstain from alcohol, get good grades in school or take a driver education course are also rewarded with lower premiums.
#6 Get informed. The easiest way to save on any insurance is to research before you buy. And get recommendations from family and friends.
And now for the shameless plug: shop here to find quotes and matched with agents from your area!
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a car and/or from liability for damage or injury caused by you or someone driving your vehicle. It can also help cover expenses you or anyone in your car may incur as a result of an accident with an uninsured motorist.
Auto liability coverage is necessary for anyone who owns a car. Many states require you to have liability insurance before a vehicle can be registered. However, state-required minimum coverage often does not provide adequate protection. Suggested minimums are $100,000 for medical expenses per injured person, $300,000 for the total per accident, and $50,000 for property damage. Collision, fire, and theft coverage is also advisable for a vehicle having more than minimal value. You can cut costs, however, by choosing a higher deductible -- the amount of loss that must be exceeded before you are compensated.
The cost of auto insurance varies greatly, depending on the company and agent offering it, your choice of coverage and deductible, where you live, the kind of vehicle, and the ages of drivers in the family. Substantial discounts are often available for safe drivers, nonsmokers, and those who commute to work via public transportation.
Auto liability coverage is necessary for anyone who owns a car. Many states require you to have liability insurance before a vehicle can be registered. However, state-required minimum coverage often does not provide adequate protection. Suggested minimums are $100,000 for medical expenses per injured person, $300,000 for the total per accident, and $50,000 for property damage. Collision, fire, and theft coverage is also advisable for a vehicle having more than minimal value. You can cut costs, however, by choosing a higher deductible -- the amount of loss that must be exceeded before you are compensated.
The cost of auto insurance varies greatly, depending on the company and agent offering it, your choice of coverage and deductible, where you live, the kind of vehicle, and the ages of drivers in the family. Substantial discounts are often available for safe drivers, nonsmokers, and those who commute to work via public transportation.
Long Term Care
The aging of America, and the increasing health care expenses that will follow, are the biggest factors contributing to the growing interest in long-term care insurance.
Demographers predict that a third of all people who reach age 65 will need to enter a nursing home at some point in time.
Today the average cost of private nursing home care in America tops $74,000 a year, making private long-term care insurance a potentially smart investment for individuals who want to protect assets and avoid burdening their family.
In general, long-term care insurance covers a range of nursing home and community-based personal care services for individuals who need ongoing assistance due to illness or disability.
Neither Medicare, Medicare supplemental coverage, nor standard health insurance cover long-term care expenses.
Premium costs increase as you age, so the younger you are when you purchase a policy, the lower the premiums you'll pay during the life of the policy.
Checklist
Be sure you read and understand all of the fine print on any long-term care insurance policy you are thinking about buying.
Investigate the cost of care at facilities in your area, so that you can get an idea of how much coverage you might need.
Find out if your employer offers extra long-term care coverage as an optional benefit.
Demographers predict that a third of all people who reach age 65 will need to enter a nursing home at some point in time.
Today the average cost of private nursing home care in America tops $74,000 a year, making private long-term care insurance a potentially smart investment for individuals who want to protect assets and avoid burdening their family.
In general, long-term care insurance covers a range of nursing home and community-based personal care services for individuals who need ongoing assistance due to illness or disability.
Neither Medicare, Medicare supplemental coverage, nor standard health insurance cover long-term care expenses.
Premium costs increase as you age, so the younger you are when you purchase a policy, the lower the premiums you'll pay during the life of the policy.
Checklist
Be sure you read and understand all of the fine print on any long-term care insurance policy you are thinking about buying.
Investigate the cost of care at facilities in your area, so that you can get an idea of how much coverage you might need.
Find out if your employer offers extra long-term care coverage as an optional benefit.
Tuesday, February 16, 2010
Make sure Your Business Insurance Has You Fully Protected!
The other day a prospective customer dropped of his policy so that I could review it and possibly save him money on his premium. I was astonished that the policy only covered liability and systems breakdown. The policy had multiple exclusions in the body of the agreemment including no theft, no products and completed operation, no damage to goods of others, no employee dishonesty and other important coverages that would reduce the business owners exposure to a loss.
I submitted an application to my carriers and within a day I started receiving multiple quotes back. I was able to add coverages that would fully protect the insured and even saved him $325 annually in premium.
It is very important to review your policies. The owner of the store was vulnerable to loss on so many exposures and very fortunate he never experienced a loss. An annual review is the best way to make sure the policy covers the exposures you currently have and to see if any carriers have new policies with enhanced coverages.
As an independent agent, we work with many companies and can find you the best carrier for your commercial business.
Call or e mail MJF 866-983-8726
mjfinsagencyinc@yahoo.com or visit our website at www.mjfinsurance.com
We are licensed in NY,NJ,CT,PA and FL
I submitted an application to my carriers and within a day I started receiving multiple quotes back. I was able to add coverages that would fully protect the insured and even saved him $325 annually in premium.
It is very important to review your policies. The owner of the store was vulnerable to loss on so many exposures and very fortunate he never experienced a loss. An annual review is the best way to make sure the policy covers the exposures you currently have and to see if any carriers have new policies with enhanced coverages.
As an independent agent, we work with many companies and can find you the best carrier for your commercial business.
Call or e mail MJF 866-983-8726
mjfinsagencyinc@yahoo.com or visit our website at www.mjfinsurance.com
We are licensed in NY,NJ,CT,PA and FL
Monday, February 15, 2010
Price Reduced On MJF Online Defensive Driver Classes For NY and NJ Drivers
Defensive Driving Online Course
The American Safety Council - Assisting and educating Americans in ways to make our world a safer place. American Safety Council, Inc. and its affiliate organizations have provided educational courses for state regulatory agencies and court systems for more than ten years. Through several operating divisions, the American Safety Council offers a diverse line of products and services, including state approved traffic safety education, safety related training, continuing education for regulated professionals, in addition to self-help, non-credit and pre-licensing education.
Visit www.mjfdefensivedriver.com to get more info and take the course.
The American Safety Council - Assisting and educating Americans in ways to make our world a safer place. American Safety Council, Inc. and its affiliate organizations have provided educational courses for state regulatory agencies and court systems for more than ten years. Through several operating divisions, the American Safety Council offers a diverse line of products and services, including state approved traffic safety education, safety related training, continuing education for regulated professionals, in addition to self-help, non-credit and pre-licensing education.
Visit www.mjfdefensivedriver.com to get more info and take the course.
MJF Offers Florida Driver Improvement Classes Online
8-Hour Traffic School (IDI)
This course can be taken by anyone who has been ordered by a Florida judge or court to attend an 8-hour traffic school course. In some counties, mainly Miami-Dade, Broward, Palm Beach, and Orange, this course is called Intermediate Driver Improvement (IDI). The IDI course can be taken if a driver has already attended a 4-hour Basic Driver Improvement course within the previous year and the court has given that driver an option to attend an 8-hour course to keep points off for a recent traffic violation.
Advanced Driver Improvement (ADI)
This advanced driver improvement class was developed to help you get behind the wheel of a car again as quickly as possible. Having your license suspended or revoked can feel like you have had your freedoms taken away, but this course saves the day by providing a quick and easy way to get it all back. This Florida ADI course is 100% online, which means you can work on it from any computer with a basic internet connection. This gives you the flexibility that your busy schedule needs so you can go about your normal routine and still have the time to take this Florida ADI course. This course is for anyone who has had their license suspended or revoked and has been ordered by the court to take an advanced driver improvement class to get it back.
Basic Driver Improvement (BDI)
Students typically select this option when they have received a traffic citation and elected to attend traffic school in order to avoid points and insurance penalties.
Go to www.mjfinsurance.com and click on Helpful Links header to find the online Courses.
This course can be taken by anyone who has been ordered by a Florida judge or court to attend an 8-hour traffic school course. In some counties, mainly Miami-Dade, Broward, Palm Beach, and Orange, this course is called Intermediate Driver Improvement (IDI). The IDI course can be taken if a driver has already attended a 4-hour Basic Driver Improvement course within the previous year and the court has given that driver an option to attend an 8-hour course to keep points off for a recent traffic violation.
Advanced Driver Improvement (ADI)
This advanced driver improvement class was developed to help you get behind the wheel of a car again as quickly as possible. Having your license suspended or revoked can feel like you have had your freedoms taken away, but this course saves the day by providing a quick and easy way to get it all back. This Florida ADI course is 100% online, which means you can work on it from any computer with a basic internet connection. This gives you the flexibility that your busy schedule needs so you can go about your normal routine and still have the time to take this Florida ADI course. This course is for anyone who has had their license suspended or revoked and has been ordered by the court to take an advanced driver improvement class to get it back.
Basic Driver Improvement (BDI)
Students typically select this option when they have received a traffic citation and elected to attend traffic school in order to avoid points and insurance penalties.
Go to www.mjfinsurance.com and click on Helpful Links header to find the online Courses.
Sunday, February 14, 2010
N.Y. Condo Owners
If you own a condo in New York State then M.J.F. has the policy for you. Our carrier recently received insurance department approval to reduce there premiums by 15%. If you would like a quote please call us at 866-983-726 or visit our website at www.mjfinsurance.com.
Friday, February 12, 2010
Looking For Term Life Insurance?
MJF represents many life insurance companies. We offer Annual Renewable Term, 10 year Level Term, 15 year Level Term, 20 Year Level Term and and 30 Year Level Term. We can create a plan for the amount of years of coverage you need. The rates we offer are very low and with A rated carriers. For more information go to our website or call 866-983-8726 if you live in NY,NJ,PA,CT or FL and we will provide a free quote for you.
Auto And Homeowners Coverage
Recently received an increase on your auto or homeowners premium? M.J.F. can help you! Just go to our website or call our office and we will be happy to review your current coverage and make sure you have the proper coverage and locate the best available rate and
We write in the following states: NY,NJ,CT,PA & Florida.
Visit us at www.mjfinsurance.com or call us at 866-983-8726 for your free quote!
We write in the following states: NY,NJ,CT,PA & Florida.
Visit us at www.mjfinsurance.com or call us at 866-983-8726 for your free quote!
Thursday, February 11, 2010
M.J.F. Can Insure Security Guard, Pest Control, Private Investigators, Security Consultants, Cosmetic Manufacturers, Alarm Companies and Salons and Spa's With Top Rated Carrier
M.J.F. Can Insure Security Guard, Pest Control,Private Investigators,Security Consultants,Cosmetic Manufacturers,Alarm Companies and Salons and Spa's With Top Rated Carrier
We can insure these risks with a top rated carrier. Call M.J.F. Insurance to review your current policy, once we determine your coverages are sufficient, we can then provide you with a quote from our carrier. We have been very successful in providing a quality product at a great premium for these risks.
We can be reached by phone at 866-983-8726 or
e-mail mfusco@mjfinsurance.com
We are licensed in N.Y.,N.J.,CT,PA & FL
We can insure these risks with a top rated carrier. Call M.J.F. Insurance to review your current policy, once we determine your coverages are sufficient, we can then provide you with a quote from our carrier. We have been very successful in providing a quality product at a great premium for these risks.
We can be reached by phone at 866-983-8726 or
e-mail mfusco@mjfinsurance.com
We are licensed in N.Y.,N.J.,CT,PA & FL
Wednesday, February 10, 2010
Canine Legal Liability
M.J.F. offers Canine Legal Liability Insurance for N.Y. residents. If you own one of the following dogs you may not be able to rent a home,apartment or secure a homeowners or renters policy: Dalmation, Akita,Pit Bull Breeds,German Shephard,Rottweiller,Doberman,Bull Mastiff,Husky,Chows or Presa Canarios. Our carrier offers $100,000 in liability coverage with a $500 deductible and even offers a multi dog discount for two dogs. The program is the first admitted market in the United States to offer a stand alone policy. Whether you are required to carry Canine Liability by your landlord or homeowners carrier or just want the peace of mind knowing you are protected you can call the M.J.F. Insurance Agency for more information.
Our website is www.mjfinsurance.com. or call
866-983-8726
Our website is www.mjfinsurance.com. or call
866-983-8726
Sunday, February 7, 2010
Barber and Beauty Salons Program
MJF offer a program for barber shops and Beauty Salons for your commercial general liability. If you feel you are paying a high premium for your current coverages let MJF quote your policy. You can call us at 866-983-8726
or visit our website www.mjfinsurance.com
or visit our website www.mjfinsurance.com
Renters Insurance
M.J.F. offers renters insurance to cover the contents of your apartment. Although most renters do not purchase renters insurance it is coverage they should carrry. By not having renters insurance you can suffer a loss either by theft, flood or fire. The landlord does not have coverage under their homeowners to cover your contents. For a minimal premium you can insure your contents to value. Please visit our website or call for a quote.
866-983-8726
www.mjfinsurance.com
866-983-8726
www.mjfinsurance.com
M.J.F. Launched Company Website
M.J.F. launched it company website this week. You can visit us on the web at
www.mjfinsurance.com
In addition to offering premium financing we now accept American Express, Visa, Master Card, Discover and EFT payments for most policies.
You can also visit us on Facebook.
We are licensed in NY,NJ,CT,Fl and PA. You can find our online FL,NY and NJ ONLINE defensive driver classes and O.S.H.A. Safety Training classes under our helpful links section of our website.
or call toll free for more information at
866-983-8726
www.mjfinsurance.com
In addition to offering premium financing we now accept American Express, Visa, Master Card, Discover and EFT payments for most policies.
You can also visit us on Facebook.
We are licensed in NY,NJ,CT,Fl and PA. You can find our online FL,NY and NJ ONLINE defensive driver classes and O.S.H.A. Safety Training classes under our helpful links section of our website.
or call toll free for more information at
866-983-8726
Wednesday, October 28, 2009
M.J.F. Offers Online Safety Classes
M.J.F. is pleased to announce that it now offers the 6 Hour Defensive Driver Training Class for N.Y. and N.J. Drivers. Please visit our website for more information or to enroll
www.mjfdefensivedriver.com
OSHA SAFETY 10 AND 30 Hour classes also available. Approved nationwide!
www.mjfoshasafety.com
for more information or to enroll
Some great things going on at M.J.F.!
We now offer the online defensive driver 6 hr safety class which qualifies NY drivers for 10% off their auto premiums and removes up to 4 points. You have 30 days to complete at your convenience from any computer. N.J. drivers also can take the class on this site also.
The second classs we offer online is the OSHA Safety Training.
For those who 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.
www.mjfdefensivedriver.com
OSHA SAFETY 10 AND 30 Hour classes also available. Approved nationwide!
www.mjfoshasafety.com
for more information or to enroll
Some great things going on at M.J.F.!
We now offer the online defensive driver 6 hr safety class which qualifies NY drivers for 10% off their auto premiums and removes up to 4 points. You have 30 days to complete at your convenience from any computer. N.J. drivers also can take the class on this site also.
The second classs we offer online is the OSHA Safety Training.
For those who 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.
Sunday, October 25, 2009
First Admitted Standalone Canine Legal Liability Insurance Now Offered in N.Y.
M.J.F. can now offer Canine Legal Liability Insurance.
Provides liability and medical payments coverage for bodily injury and property damage caused by an elidgible dog owned by the insured.
Fills the gap caused by dog liability exclusions found in many personal lines policies.
Provides worldwide protection with $100,000 combined single limit and a $500 deductible
Offer a multi dog discount, limited to two dogs
For more information and a quote call M.J.F. Insurance at 866-983-8726
Provides liability and medical payments coverage for bodily injury and property damage caused by an elidgible dog owned by the insured.
Fills the gap caused by dog liability exclusions found in many personal lines policies.
Provides worldwide protection with $100,000 combined single limit and a $500 deductible
Offer a multi dog discount, limited to two dogs
For more information and a quote call M.J.F. Insurance at 866-983-8726
No License / No Permit - Should I Be Charged Additional Premium For My 16 Year Old
I recently read a story about a company that charged additional premium for a 16 year old who did not hold a learners permit and obviously is an unlicensed driver.
Under typical rules you should not be charged for a youthful driver unless they are a resident of the household and operate a vehicle. Youths who are not licensed or operating an auto under a learners permit cannot be an operator of an auto and should not be rated on the policy until they obtain a a learners permit or become licensed.
Under typical rules you should not be charged for a youthful driver unless they are a resident of the household and operate a vehicle. Youths who are not licensed or operating an auto under a learners permit cannot be an operator of an auto and should not be rated on the policy until they obtain a a learners permit or become licensed.
Online 6 Hour Defensive Driver Training Class For N.Y. and N.J. Drivers
New York & New Jersey Online Defensive Driver Class
http://www.mjfdefensivedriver.com/
Price just reduced to $40!
M.J.F. unveiled its website for online defensive driver classes in the states of New York and New Jersey on Friday August 28, 2009.
The classes are Department of Motor Vehicle approved. In New York drivers qualify for a reduction of up to 4 points on their licenses and a 10% insurance premium reduction for a total of 3 years. The N.Y. online course is newly approved by the Department of Motor Vehicles.
The New Jersey class qualifies drivers for a mandatory insurance discount which varies by carrier and up to a 2 points removed from your license. You may take this class once every five years.
New Jersey also offers a Mature Driver program online for drivers over the age of 50. This also qualifies for a premium reduction on your auto policy.
You can go to the site for more information:
http://www.mjfdefensivedriver.com/
http://www.mjfdefensivedriver.com/
Price just reduced to $40!
M.J.F. unveiled its website for online defensive driver classes in the states of New York and New Jersey on Friday August 28, 2009.
The classes are Department of Motor Vehicle approved. In New York drivers qualify for a reduction of up to 4 points on their licenses and a 10% insurance premium reduction for a total of 3 years. The N.Y. online course is newly approved by the Department of Motor Vehicles.
The New Jersey class qualifies drivers for a mandatory insurance discount which varies by carrier and up to a 2 points removed from your license. You may take this class once every five years.
New Jersey also offers a Mature Driver program online for drivers over the age of 50. This also qualifies for a premium reduction on your auto policy.
You can go to the site for more information:
http://www.mjfdefensivedriver.com/
Cyber Criminals Targeting Small Businesses
According to Michael Merrritt, Assistant Director of the U.S. Secret Services office of Investigations, cyber criminals are increasingly targeting small and medium sized businesses that don't have the ability to keep updating computer security.
Merritt, in testimony prepared for the Senate Homeland Security and Governmental Affairs, said that as larger companies have taken on more sophisticated computer network protection, cyber criminals have adapted and gone after the smaller businesses that do not have such high level security.
M.J.F. offers coverage for such events at a very reasonable premium. For more information please call M.J.F at 866-983-8726. We are licensed in NY, NJ,CT,Pa and Fla.
Merritt, in testimony prepared for the Senate Homeland Security and Governmental Affairs, said that as larger companies have taken on more sophisticated computer network protection, cyber criminals have adapted and gone after the smaller businesses that do not have such high level security.
M.J.F. offers coverage for such events at a very reasonable premium. For more information please call M.J.F at 866-983-8726. We are licensed in NY, NJ,CT,Pa and Fla.
Texting While Driving New Concern For Employers
Employers are concerned that they may be held liable for accidents caused by their employees while drivng and conducting work related conversations on cell phones. Under the doctrine of vicarious responsibility the employer can be held liable for negligent acts of their employees committed in the course of employment.
Employers can also be held accountable if they do not have a policy in place for safe use of cell phones. It has become more common for employers to put into action a cell phone policy to protect the business from potential liability. Some of these policies allow the use of cell phones as long as the employee pulls over to the side of the road or into a parking lot. While other policy mahe workers prohibit the use of cell phones altogether in the work vehicle.
This information was recently released from the Insurance Information Institute.
Employers can also be held accountable if they do not have a policy in place for safe use of cell phones. It has become more common for employers to put into action a cell phone policy to protect the business from potential liability. Some of these policies allow the use of cell phones as long as the employee pulls over to the side of the road or into a parking lot. While other policy mahe workers prohibit the use of cell phones altogether in the work vehicle.
This information was recently released from the Insurance Information Institute.
Friday, October 2, 2009
Business Continuation / Protection Insurance
If you are like most business owners then you are not carrying the proper coverage to ensure your business can survivie beyond a sustained loss!
The U.S. Fire Administration and National Fire Protection Association statistics indicate that up to 130,000 business related structures suffer fire damage every year. About one structure every 5 minutes. Approximately 25 - 33 % of those business' either never reopen or close shortly after they reopen. The reason is they didn't have Business Income Protection.
Without income no business can survive long. Business Income and extra expense coverage are the most important property coverages an insured can buy.
Is your business protected? Would you have enough coverage if you were to suffer a loss.
For a free review and quote you can contact MJF at 866-983-8726
or e mail us at mjfinsagencyinc@yahoo.com
We also offer the online Defensive Driver classes for NY and NJ drivers
at
http://www.mjfdefensivedriver.com
The U.S. Fire Administration and National Fire Protection Association statistics indicate that up to 130,000 business related structures suffer fire damage every year. About one structure every 5 minutes. Approximately 25 - 33 % of those business' either never reopen or close shortly after they reopen. The reason is they didn't have Business Income Protection.
Without income no business can survive long. Business Income and extra expense coverage are the most important property coverages an insured can buy.
Is your business protected? Would you have enough coverage if you were to suffer a loss.
For a free review and quote you can contact MJF at 866-983-8726
or e mail us at mjfinsagencyinc@yahoo.com
We also offer the online Defensive Driver classes for NY and NJ drivers
at
http://www.mjfdefensivedriver.com
Monday, September 28, 2009
New York & New Jersey Online Defensive Driver Training Class
NY and NJ Online Defensive Driver Safety Training Class
Online Defensive Driver Classes For N.Y.&; N.J. Drivers
New York & New Jersey Online Defensive Driver Class
http://www.mjfdefensivedriver.com/
M.J.F. unveiled its website for online defensive driver classes in the states of New York and New Jersey on Friday August 28, 2009.
The classes are Department of Motor Vehicle approved. In New York drivers qualify for a reduction of up to 4 points on their licenses and a 10% insurance premium reduction for a total of 3 years. The N.Y. online course is newly approved by the Department of Motor Vehicles.
The New Jersey class qualifies drivers for a mandatory insurance discount which varies by carrier and up to a 2 points removed from your license. You may take this class once every five years.
New Jersey also offers a Mature Driver program online for drivers over the age of 50. This also qualifies for a premium reduction on your auto policy.
You can go to the site for more information:
http://www.mjfdefensivedriver.com/
Online Defensive Driver Classes For N.Y.&; N.J. Drivers
New York & New Jersey Online Defensive Driver Class
http://www.mjfdefensivedriver.com/
M.J.F. unveiled its website for online defensive driver classes in the states of New York and New Jersey on Friday August 28, 2009.
The classes are Department of Motor Vehicle approved. In New York drivers qualify for a reduction of up to 4 points on their licenses and a 10% insurance premium reduction for a total of 3 years. The N.Y. online course is newly approved by the Department of Motor Vehicles.
The New Jersey class qualifies drivers for a mandatory insurance discount which varies by carrier and up to a 2 points removed from your license. You may take this class once every five years.
New Jersey also offers a Mature Driver program online for drivers over the age of 50. This also qualifies for a premium reduction on your auto policy.
You can go to the site for more information:
http://www.mjfdefensivedriver.com/
Defensive Driver Class Could Help Teen Drivers
Parents beware: Giving in to teens' demands for their own cars can have dangerous consequences, new research suggests.
Teenagers with their own cars or free use of one are much more likely to get in crashes than those who share a car. And crashes are much less common among teens whose parents set clear driving safety rules.
The findings are in two studies by researchers at Children's Hospital of Philadelphia and funded by State Farm Insurance Co. They are in the October issue of Pediatrics.
The researchers say the findings can help parents keep their kids from becoming a grim statistic: Traffic crashes are the leading cause of death for U.S. teens, killing more than 5,000 each year.
Getting a driver's license and car are often viewed as rite of passage for U.S. teens, and many parents underestimate the risks.
More than 7,000 people nationwide were killed in crashes involving teen drivers in 2007, government data show. More than 3,000 of these deaths were teen drivers, and more than 250,000 teen drivers were injured.
"With teen drivers, you have to recognize that it's a public health issue,'' said Dr. Jeffrey Weiss, a Phoenix pediatrician who co-wrote an American Academy of Pediatrics report on teen drivers.
The 2006 report encourages parents to highlight the seriousness of driving privileges by requiring teens to sign driving contracts promising to abide by safety rules.
The new research shows that kind of hands-on approach pays off.
"Families need to know that driving is different'' from other steps toward independence,said Dr. Flaura Koplin Winston, the study's lead author. "Just at the time their teen is pulling away, they need to get back involved to spare them heartache.''
The research is based on a nationally representative survey of more than 5,500 teens in grades nine through 11. Students at 68 high schools answered questionnaires in 2006.
More than 2,000 students who reported driving on their own were the focus of one study; 70 percent said they had their own cars or were the main drivers of cars they used.
Winston said it's alarming that so many kids have their own cars or feel that they have free use of one. She said that freedom can lead to "a sense of entitlement about driving'' that may make them less cautious.
Among these "main'' drivers, 25 percent had been involved in crashes, versus just 10 percent of teens who shared driving access. Winston said the lower crash rate doesn't reflect less driving time, but is likely due to having to ask for the car keys, which helps parents monitor their kids' driving.
Compared with teens whose parents were uninvolved, kids who said their parents set clear rules and monitored their whereabouts without being overly controlling had half as many crashes and much better driving habits.
These teens were 71 percent less likely to drive while drunk and 30 percent less likely to use a cell phone while driving than kids with uninvolved parents.
Dr. Niranjan Karnik, a University of Chicago specialist in adolescent mental health, said the research underscores the importance of appropriate parenting and widely enacted graduated licensing laws for teens.
Debby Hendricks of Hatfield, Pa. made her daughters wait until age 17 to get their licenses, and gave them lots of driving practice beforehand.
The girls, aged 17 and 19, also share a family car, and can't "just grab the keys and leave'' without saying where they're going and with whom, Hendricks said.
So far so good -- neither girl has been in an accident, although the younger one, Leslie, has only had her license for a few months.
Leslie considers herself a safe driver, but adds, "I probably do underestimate the risks.''
Teenagers with their own cars or free use of one are much more likely to get in crashes than those who share a car. And crashes are much less common among teens whose parents set clear driving safety rules.
The findings are in two studies by researchers at Children's Hospital of Philadelphia and funded by State Farm Insurance Co. They are in the October issue of Pediatrics.
The researchers say the findings can help parents keep their kids from becoming a grim statistic: Traffic crashes are the leading cause of death for U.S. teens, killing more than 5,000 each year.
Getting a driver's license and car are often viewed as rite of passage for U.S. teens, and many parents underestimate the risks.
More than 7,000 people nationwide were killed in crashes involving teen drivers in 2007, government data show. More than 3,000 of these deaths were teen drivers, and more than 250,000 teen drivers were injured.
"With teen drivers, you have to recognize that it's a public health issue,'' said Dr. Jeffrey Weiss, a Phoenix pediatrician who co-wrote an American Academy of Pediatrics report on teen drivers.
The 2006 report encourages parents to highlight the seriousness of driving privileges by requiring teens to sign driving contracts promising to abide by safety rules.
The new research shows that kind of hands-on approach pays off.
"Families need to know that driving is different'' from other steps toward independence,said Dr. Flaura Koplin Winston, the study's lead author. "Just at the time their teen is pulling away, they need to get back involved to spare them heartache.''
The research is based on a nationally representative survey of more than 5,500 teens in grades nine through 11. Students at 68 high schools answered questionnaires in 2006.
More than 2,000 students who reported driving on their own were the focus of one study; 70 percent said they had their own cars or were the main drivers of cars they used.
Winston said it's alarming that so many kids have their own cars or feel that they have free use of one. She said that freedom can lead to "a sense of entitlement about driving'' that may make them less cautious.
Among these "main'' drivers, 25 percent had been involved in crashes, versus just 10 percent of teens who shared driving access. Winston said the lower crash rate doesn't reflect less driving time, but is likely due to having to ask for the car keys, which helps parents monitor their kids' driving.
Compared with teens whose parents were uninvolved, kids who said their parents set clear rules and monitored their whereabouts without being overly controlling had half as many crashes and much better driving habits.
These teens were 71 percent less likely to drive while drunk and 30 percent less likely to use a cell phone while driving than kids with uninvolved parents.
Dr. Niranjan Karnik, a University of Chicago specialist in adolescent mental health, said the research underscores the importance of appropriate parenting and widely enacted graduated licensing laws for teens.
Debby Hendricks of Hatfield, Pa. made her daughters wait until age 17 to get their licenses, and gave them lots of driving practice beforehand.
The girls, aged 17 and 19, also share a family car, and can't "just grab the keys and leave'' without saying where they're going and with whom, Hendricks said.
So far so good -- neither girl has been in an accident, although the younger one, Leslie, has only had her license for a few months.
Leslie considers herself a safe driver, but adds, "I probably do underestimate the risks.''
Saturday, September 19, 2009
N.Y. Insurance Regulator Suggests Limiting Moody’s as Rater
N.Y. Insurance Regulator Suggests Limiting Moody’s as Rater
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By Dakin Campbell
Sept. 19 (Bloomberg) -- New York state’s insurance regulator suggested Moody’s Investors Service should have its authorization to rate insurers’ holdings scaled back after the firm declined to attend a public hearing set for next week.
“This is the thing that forces one to ask questions about the role that a company like that can play in our regulatory system,” Hampton Finer, deputy superintendent and chief economist at the New York Insurance Department, said yesterday in a phone interview. “We think there should be discussion about whether Moody’s will have its authorization status going forward or having it curtailed in some fashion.”
Finer said he may advocate that regulators throughout the country rely on Moody’s competitors to rate securities held by insurance companies. Moody’s could lose business if that that happens, he said. Insurers can hold certain securities without explicit regulatory approval if those investments are rated by an authorized firm.
Standard & Poor’s, Fitch Ratings and Dominion Bond Rating Service Ltd. plan to meet next week with U.S. state regulators on the role the firms play in grading the insurers’ fixed-income holdings, the National Association of Insurance Commissioners said in a statement posted on the Web. Moody’s was invited and won’t attend, said Scott Holeman, a spokesman for the NAIC.
Thomas Lemmon, a spokesman for Moody’s, declined to immediately comment. Vanessa Sink, a spokeswoman for the NAIC, declined to discuss Finer’s remarks.
New York’s Role
New York Insurance Superintendent James Wrynn and Michael McRaith of Illinois convened the meeting as heads of a group appointed by the NAIC to evaluate watchdogs’ reliance on the firms. U.S. insurance companies hold about $3 trillion in rated bonds including corporate debt and mortgage-linked bonds.
Regulators use the firms’ ratings as they monitor insurer portfolios to make sure carriers have enough funds to pay claims on policies ranging from mortgage guarantees to earthquake protection.
Moody’s and S&P, both based in New York, have been criticized by investors and lawmakers including Senate Banking Committee Chairman Christopher Dodd, who has said the companies wrongly assigned top credit rankings to subprime-mortgage bonds before that market collapsed in 2007.
Standard & Poor’s spokesman David Wargin declined to comment, as did Kevin Duignan, a spokesman at Fitch, and Caroline Creighton, a spokeswoman at DBRS. Fitch is a unit of Paris-based Fimalac SA, S&P is a unit of McGraw-Hill Cos. and Moody’s is a unit of Moody’s Corp.
The hearing is set for Sept. 24 in Maryland. The Securities and Exchange Commission will also participate.
To contact the reporter on this story: Dakin Campbell in San Francisco at dcampbell27@bloomberg.net
Share | Email | Print | A A A
By Dakin Campbell
Sept. 19 (Bloomberg) -- New York state’s insurance regulator suggested Moody’s Investors Service should have its authorization to rate insurers’ holdings scaled back after the firm declined to attend a public hearing set for next week.
“This is the thing that forces one to ask questions about the role that a company like that can play in our regulatory system,” Hampton Finer, deputy superintendent and chief economist at the New York Insurance Department, said yesterday in a phone interview. “We think there should be discussion about whether Moody’s will have its authorization status going forward or having it curtailed in some fashion.”
Finer said he may advocate that regulators throughout the country rely on Moody’s competitors to rate securities held by insurance companies. Moody’s could lose business if that that happens, he said. Insurers can hold certain securities without explicit regulatory approval if those investments are rated by an authorized firm.
Standard & Poor’s, Fitch Ratings and Dominion Bond Rating Service Ltd. plan to meet next week with U.S. state regulators on the role the firms play in grading the insurers’ fixed-income holdings, the National Association of Insurance Commissioners said in a statement posted on the Web. Moody’s was invited and won’t attend, said Scott Holeman, a spokesman for the NAIC.
Thomas Lemmon, a spokesman for Moody’s, declined to immediately comment. Vanessa Sink, a spokeswoman for the NAIC, declined to discuss Finer’s remarks.
New York’s Role
New York Insurance Superintendent James Wrynn and Michael McRaith of Illinois convened the meeting as heads of a group appointed by the NAIC to evaluate watchdogs’ reliance on the firms. U.S. insurance companies hold about $3 trillion in rated bonds including corporate debt and mortgage-linked bonds.
Regulators use the firms’ ratings as they monitor insurer portfolios to make sure carriers have enough funds to pay claims on policies ranging from mortgage guarantees to earthquake protection.
Moody’s and S&P, both based in New York, have been criticized by investors and lawmakers including Senate Banking Committee Chairman Christopher Dodd, who has said the companies wrongly assigned top credit rankings to subprime-mortgage bonds before that market collapsed in 2007.
Standard & Poor’s spokesman David Wargin declined to comment, as did Kevin Duignan, a spokesman at Fitch, and Caroline Creighton, a spokeswoman at DBRS. Fitch is a unit of Paris-based Fimalac SA, S&P is a unit of McGraw-Hill Cos. and Moody’s is a unit of Moody’s Corp.
The hearing is set for Sept. 24 in Maryland. The Securities and Exchange Commission will also participate.
To contact the reporter on this story: Dakin Campbell in San Francisco at dcampbell27@bloomberg.net
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