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.

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!

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

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

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

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

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

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.

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

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.

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/

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.

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.

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

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/

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.''

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

Metropolitan Auto Insurance

Let MJF quote your auto insurance with Metropolitan! Metropolitan recently revised some of their New York rates and have become more competitive. They offer discounts for electronic fund transfer, applying for a life policy and offer good student discounts if the childs average is at least a B. MJF can also help by taking our ONLINE defensive driver class at

www.mjfdefensivedriver.com

if you are a NY or NJ driver.

MJF is an independent insurance agency with licenses in NY,NJ,CT,FL and PA
866-983-8726
1865 Clove Road
S.I.N.Y. 10304

Todays Risks

Today I am working on two new submissions. The first being a funeral parlor and the second a security and consulting firm. Already cleared these through my underwiters but the important details are usually in the supplemental application.

This is what provides the underwriter with the details and procedures of what type of risk exposure the company will be insuring. It will have a major effect on whether or not a risk is accepted or declined. If accepted, it will directly effect the final premium assessed on the risk.

Fortunately, we are in a position where these risks should be underwritten, The security firm was a little more of a concern since it will include alcohol exposure and potentially could have used armed guards. This risk will not use armed guards.

THE RELATIONSHIP WITH THE UNDERWRITER IS KEY. The broker must always give a clear and precise assessment. If the broker has a good relationship with their underwriters than usuallly more times than not a risk will be placed based on the respect of the brokers knowledge and risk assessment of his cases.This will always carry through no matter which company and / or type of insurance is being underwritten.