If you don’t already have Flood insurance its too late to buy it now. So the only real advice I can give those that live near water and are going to be directly effected by Hurricane Earl is batten down the hatches and protect yourself as best you can.

No two businesses are the same which means that no two clients are the same which means that no two insurance programs should be the same.

Buy or don’t buy long-term care insurance. I don’t care, that is your decision. What I do care about is your ignorance to the product.

Instead bringing up the weather or latest article in the Albany Business Review to break the silence, a fairly pragmatic accountant I’ve known for about a year looks at me and says, “What motivates you to get up and write insurance everyday?”

Wedding Insurance at first glance looks like an unnecessary expense when coupled with all the other things you have to think about and pay for when planning a wedding.

It’s Getting to be that time of year again when the eyes of private business people shift to the cost of providing Health Insurance for employees.

If beer is silly to you, you can make the example not so silly by substituting just about any discretionary item of equal value for the Six-Pack of beer. However, the point remains the same, every day Renters choose to remain Un-Insured for what would be the cost of ONE SIX-PACK of Beer.

The problem, as I see it, is NOT in you, but rather in the perpetuation of Insurance as a Commodity constantly broadcast at you by direct writers.

This is a very common question posed to insurance agents and for good reason. Relative to the cost of the other auto insurance coverages found on most personal auto policies Collision coverage can be expensive.

I was just at the smAlbany (get it, Albany is Small, smAlbany) Business Expo in glorious Albany, NY. This is the 5th smAlbany Business Expo that has been held by Liberteks.com, a local Computer and IT Firm.