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Knowledge Base & News


Got Married? Or Divorced?

Got Married? Or Divorced?

You may qualify for a discount on your auto insurance if you are married. If you are merging two households, you may also need to update your homeowners' insurance. Consider increasing your insurance for any new valuables received, such as wedding gifts, and for jewelry, such as wedding and engagement rings. On the other hand, if you got divorced over the past year, you're most likely not sharing a car or home with your ex. Inform your agent as soon as you make it final. You will need to make changes to your auto and homeowners' policies. www.themiagroup.com . . . #themiagroup, #insurancebroker, #homeinsurance, #autoinsurance, #propertyinsurance, #restaurantinsurance, #barinsurance, #workerscomp, #disability, #commercialinsurance, #brooklyn, #queens, #longisland, #bronx, #manhattan, #statenisland, #westchestercounty #newyorkstate, #insuranceinwestchester, #insurancebrokerinscarsdale, #insurancebrokerwhiteplains, #insurancebrokerinnassau


Home Businesses Need Coverage

Home Businesses Need Coverage

Quote from Ryan Hanley, Trusted Choice Some business owners who work out of their home might think that they don’t need insurance at all. But that isn’t the case. Hanley explained in a phone interview with Small Business Trends, “If you run an Etsy store out of your garage and you keep all of your products and supplies out there. Say your house burns down and all of that is gone, your homeowners’ policy isn’t going to cover that.” Contrary to popular belief, homeowners' insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners' policy to cover normal business risks such as property damage. However, homeowners' policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability. . . #themiagroup, #insurancebroker, #homeinsurance, #autoinsurance, #propertyinsurance, #restaurantinsurance, #barinsurance, #workerscomp, #disability, #commercialinsurance, #brooklyn, #queens, #longisland, #bronx, #manhattan, #statenisland, #westchestercounty #newyorkstate, #insuranceinwestchester, #insurancebrokerinscarsdale, #insurancebrokerwhiteplains, #insurancebrokerinnassau


6 Ways To Upgrade Your Home

6 Ways To Upgrade Your Home

Giving your home a new look or makeover can make it feel like new and more welcoming to family and friends. Read what Jacqueline Cao over and Lifehack has to say... http://www.lifehack.org/512132/6-ways-upgrade-your-home . . #themiagroup, #insurance broker, #homeinsurance, #autoinsurance, #propertyinsurance, #restaurantinsurance, #barinsurance, #workerscomp, #disability, #commercialinsurance, #brooklyn, #queens, #longisland, #bronx, #manhattan, #statenisland, #newyorkstate, insurance in westchester, insurance broker in scarsdale, insurance broker in white plains, insurance broker in nassau


Do you need flood insurance?

Do you need flood insurance?

If your new property is close to the water, be sure to ask about flood insurance. Damage to your home or belongings resulting from flood is not covered under standard homeowners' insurance policies. Flood insurance is available from the National Flood Insurance Program (NFIP), as well as some private insurers, and is generally sold through private agents and brokers. enter your address on the NFIP website http://www.floodsmart.gov/


Did your teenager get a driver’s license?

Did your teenager get a driver’s license?

It's generally cheaper to add your teenagers to your auto insurance policy than for them to purchase their own. If they are going to be driving their own car, consider insuring it with your company so you can get a multi-car discount. And choose the car carefully — the type of car a young person drives can dramatically affect the price of insurance. Also, encourage your kids to get good grades and to take a driver training course. Most companies will give discounts for getting at least a “B” average in school and for taking recognized driving courses. If your teenagers move at least 100 miles from home — for example, to go to college — you can get a discount for the time they are not around to drive the car (assuming they leave the car at home).


3 Workers Compensation Tips

3 Workers Compensation Tips

Three tips to keep your workers compensation premiums down: 1) Make sure your workers comp classification codes and rates are correct. Determining the proper classifications for an employer is not easy and sometimes can be quite difficult. With nearly 700 different codes available for use it is certainly easy to see how mistakes or errors in can be made. Misclassification of employers operations occurs each and every day. Many employers go for years being slotted into wrong, more expensive class codes resulting in thousands of dollars of overpaid workers compensation premium. Determining and applying the proper workers compensation code is directly related to how much premium an employer pays. These classification codes can have a great impact on the premium you pay for your workers comp policy. So It is important that businessowners correctly describe the nature of their business and the roles of each employee. 2) Create a company Safety Manual and hold frequent staff safety training. Developing a safety manual not only protects workers, but makes good sense. A safety manual could result in substantial savings in workers compensation costs. The materials in this handbook are based upon Federal OSHA standards and other requirements in effect at the time of publication and upon generally accepted principles and activities within the job safety and health field. They should be useful to small business owners or managers and can be adapted easily to individual establishments. - https://www.osha.gov/Publications/smallbusiness/small-business.html 3) Research and place safety measures specific to your industry in your workplace. . . themiagroup, insurance broker, homeinsurance, autoinsurance, propertyinsurance, restaurantinsurance, barinsurance, workerscomp, disability, commercialinsurance, brooklyn, queens, longisland, bronx, manhattan, statenisland, newyorkstate, insurance in westchester, insurance broker in scarsdale, insurance broker in white plains, insurance broker in nassau 


Have you retired?

If you commuted regularly to your job, in retirement your mileage has likely plummeted. If so, you should report it to your auto insurer as it could significantly lower the cost of your auto insurance premiums. Also, drivers over the age of 50-55 may get a discount, depending on the insurance company. Save today 516-216-4034 www.themiagroup.com . . . #themiagroup, #insurancebroker, #homeinsurance, #autoinsurance, #propertyinsurance, #restaurantinsurance, #barinsurance, #workerscomp, #disability, #commercialinsurance, #brooklyn, #queens, #longisland, #bronx, #manhattan, #statenisland, #westchestercounty #newyorkstate, #insuranceinwestchester, #insurancebrokerinscarsdale, #insurancebrokerwhiteplains, #insurancebrokerinnassau


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