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Why it Costs so Much to have Auto Insurance

In an era where many find it difficult to make ends meet, the cost of auto insurance seems to exacerbate the situation for drivers. Bad enough that gasoline prices and car maintenance and repair costs are so high,...

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Chemical Manufacturer and Distributor: What Type of Insurance?

Given the poisonous nature of chemicals, those companies dealing with the matter – whether liquid, solid or gas – need a special form of insurance protection. RELATED: insurance for asbestos abatement Chemical...

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Why Your Business Needs Equipment Breakdown Insurance

If you are a business owner, medical center manager, or non-profit, you rely on different energy-powered equipment to help you keep your operation running. These may include: Computers Machinery Boilers Air...

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Info about Insurance for Fireworks Stands

Fourth of July preparations are underway and the excitement is mounting for all the celebrations. Of course, the colorful bursts of light that proclaim the American Independence in the sky year after year play a big...

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Why Cheap Home Insurance May Not be a Bargain

A True Story from the Files of PRIME Insurance - Rachel from our Personal Lines Department shared her recent success story. When a NY client told me that he was able to get a much cheaper insurance rate for an ...

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Why EPLI Coverage is Important in Today’s Commercial World

Employment Practices Liability Insurance, generally known as EPLI, has become a coverage staple in the commercial world. There’s widespread reason for it, as the following scenario experienced by a PRIME Insurance...

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Animal Rescue Non-Profit: What’s the Insurance Angle?

Kindness extended to animals at risk is personified through animal rescue organizations that attempt to save dogs, cats and other animals from being euthanized. Like any other non-profit society, related commercial...

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Is Your Laundry Business Covered for Related Risks?

- Insurance for Coin Operated Laundromats and Dry Cleaners - If you run a coin-operated dry cleaning or laundry service, you already know about the distinct exposures you face – both in regard to property and...

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The Boat Industry and Related Specialty Insurance

Whether you are a boat manufacturer, boat dealer, boat renter or boatyards/boat repair and servicer, the underlying exposures you face places related insurance as a highlighted commercial necessity. RELATED: what...

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Curious Facts about Auto Accidents from Insurance Files

Car accidents are no joke and nobody like the insurance industry knows it as well. Below, you will find intriguing details about the matter that you may never have realized. Nine Car Accident Realities that Will Get...

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What Insurance do the Hazardous Industries Need?

Hazardous Industry Mono-Line Workers Comp Insurance - When it comes to the hazardous industry exposure, it is not so much a matter of regularity of occurrences, but the severity of an injury occurrence. This is why...

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Winter Liability: Skating, Ski Operations and Snowmobile Insurance

Winter produces white wonderlands that encourage specific recreational activities. Related insurance protects against the various exposures of liability. RELATED: making ice fishing safer Skating Rink Insurance -...

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Will Homeowners Insurance Cover Skunk Spray Damage?

The cold temperatures of the winter were reaching record breaking lows. Though going outdoors involved layering on the warm clothing and bracing ourselves before meeting the cold, at least we had the warmth and comfort...

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Does Your Business Need Related Lead Paint Insurance?

Despite the elimination of lead in paint ingredients by the EPA in 1978, the risks still abound. Below are three different types of insurance that cover the related risks. MORE: Lead poisoning in Brooklyn, NY...

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The UN: Fun Facts about the World Organization

Though touted for achievements that include assisting the world’s poor, combating climate change and maintaining world peace, the UN has invoked classifications of dysfunction, contradiction and discrimination. With...

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Winter’s Freeze: How to Prevent Your Pipes from Bursting

If you missed it in science class, here’s an overview of what happens when water freezes: it expands. In regard to your home, cold temperatures can cause the water in your pipes to freeze, expand and cause increased...

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How to Keep Fire Safe in Your Home on Chanukah

A PRIME Insurance Holiday Special - Tuesday night, December 12th marks the first night of Chanukah this year. Keep the flicker of the menorah, the tastes of holiday delicacies and the memories of miracles-past as safe...

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Why the Homeowner Needs Fire Insurance More than Ever

Homeowners insurance that includes protection against fire risks is more important than ever before. This is because the building materials used to construct a home are not as fire resistant as in previous times. The...

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Auto Insurance and Other Facts about Illegal Immigrants in the US

The subject of undocumented immigrants has prompted political debate and the resolve of President Trump to build a wall along the Mexican border. Aside from all the problems related to the undocumented immigrant, ...

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Shoppers: How to Prevent Personal Theft during the Holidays

Enjoy this holiday season, even as you shop. Though studies point to heightened risks of having your purchases, automobiles, credit cards, ID and – yes – even Xmas trimmings taken by thieves, there are measures to...

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Action-Over Claims: Why NY Contractor Insurance is Pricier

New York labor laws are pro-plaintiff. That’s why it’s troublesome if someone is sued in relation to an employee’s accident. It’s also the reason why general contractors and property managers that employ subcontractors...

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Happy Thanksgiving from all of us at PRIME Insurance Agency!

PRIME Insurance Agency has come a long way since our humble beginnings within a makeshift garage office some eighteen years ago. Now, within our beautiful state-of-the-art insurance epicenter at 960 E County Line Rd...

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How to Prevent a Fire in a Factory

Say the words fire and factory and many will associate them with the infamous NY City Triangle Shirtwaist Factory fire of 1911. Recent factory fires in Bangladesh echo the tragedy that resonates with a demand for...

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Does your Business Need Cyber Insurance?

A PRIME – Liberty Mutual Guide - Did You Know? According to a 2013 Ponemon Institute, Hartford Steam Boiler report -55 percent of small businesses have had a minimum of 1 data breach -72 percent of businesses were...

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What Type of Insurance for an Amazon Seller?

The world is very wide. Amazon marketplace allows sellers to gain global exposure by presenting trade opportunity without a brick and mortar presence. Many, in fact, have taken advantage and are engaging customers in...

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Lead Poisoning: Symptoms, Treatment and Related Home Insurance

There has been much hue and cry over the 2014 water crisis in Flint, Michigan . At the time, the water supply came into question in regard to lead poisoning. Residential home owners, landlords, and property...

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How to Make Home Living Safer for an Alzheimer Patient

We hope the cure to Alzheimer’s is discovered soon. Until that time, though, suffering patients experience declining mental capacity and require extra care in regard to home safety. The first step in preventing home...

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All about Insurance Related to Motorcycles

Manufacturers, Dealers and Riders - One thing that motorcycle ‘cruisers’, manufacturers, and sellers share, besides a love of the ‘bike’, is the need for protective insurance that covers inherent risks. This guide...

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Veterans Day – 8 Astounding Facts about Homelessness

A 2016 report put the homeless community in the US at a startling 547,708 figure. Many within this sad group are US vets – individuals that have served the country with honor. As we celebrate Veterans Day, it...

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5 Steps to Reduce Your Auto Insurance Bill

Reducing your car insurance costs is easier than you think. Follow the suggestions below to discover how a lower insurance premium can actually be within reach. Tips for Lower Insurance Rates - Aside from exposing...

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5 Things that Help Make Your Business Day Successful

In the business world, we all tend to get in the daily rut of allowing circumstance at the office to get the better of us. Though it’s a given that we cannot be completely in control of the curve balls that we...

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Miscellaneous Professional Liability Insurance: Did you know?

A PRIME and Liberty Mutual Insurance Special - Miscellaneous Professional Liability coverage is also known as Errors and Omissions. It exclusively protects from financial damages and is part of a commercial general...

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How can I Safely Rake Leaves in the Fall Season?

Fall. What better name for the season when the trees' aging leaves drop to the ground? Of course, ignoring the growing leaf mounds on your lawn, driveway and walkways will not only impede the aesthetic appeal of your...

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How to Reduce the Risk of Violence in the Workplace

Talk about safety in the workplace and most people will tell you about the risk of theft, fire, slip and falls and other things that may lead to loss and injury. Yet, violence in the workplace is a common threat. While...

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Answers to Some Common Homeowners Insurance Questions

PRIME Insurance, National General Present a Question and Answer Forum - Funny, isn’t it, how we can be so sure about something like a homeowners policy without even knowing the basics. So, ready for some education?...

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Insurance Claims: How to avoid Damaging Statements

If you file any form of insurance claim – from homeowners to auto to workers comp – be aware that what you say can work against you. It is common for insurance claims adjusters and insurance company risk managers to...

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PRIME Insurance and National General: Coverage Options that Work

National General ranks high among the leading insurance companies that PRIME deals with, giving customers the full spectrum of premiere service. The Claims Process for NatGen Premier Auto Insurance - Frequently...

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How a Nut Shop Finally Found Tailored Insurance Coverage

For one popular nut and sweets shop, a revelation about their commercial coverage caught the owners by surprise. The Insurance Case of the Wrongly-Rated Candy Store - The Nuttery, located on 16th Ave in Brooklyn, NY...

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Who Pays for Repairs on Your Home’s Underground Utility Lines?

Surprise, Surprise! The homeowner owns underground utility service lines that lie on the property. Should damages occur, a standard homeowners insurance policy will not cover repairs. The Solution? An endorsement to...

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How to Protect Yourself from a Tsunami (or a Nuclear Threat)

Hawaii's residents have learned from history that tsunamis can affect their location. After all, it was just 60 years ago that a distant-source tsunami was created through an earthquake in the Aleutian Islands of...

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How to Contact Missing Family after a Disaster

The insurance industry has been working overtime in dealing with claims in relation to recent hurricanes, floods and earthquake devastation in TX, FL, Mexico and elsewhere. Nothing, however, can touch a heart more than...

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How NYC Building Owners Can Register for DOB Boiler Compliance

- A PRIME Insurance - KB Insurance Announcement - The New York City Department of Buildings (NYC DOB) recently launched a new inspection and certification website called DOB Now. As part of our valued partnership,...

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Why Your Business Genuinely Needs Cyber Insurance

- An Overview of Submitted Cyber Insurance Claim Examples - Cyber Ransomware Insurance Claims A NJ nursing home was hit by a ransomware attack of which numerous files became encrypted. The cyber criminals wanted an...

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About Employment and Staffing Agencies and Insurance Coverage

Employment Agencies Errors and Omissions Insurance - Employment agencies and their advising staff typically are found in large cities. They help those searching for jobs as well as those seeking employees to fill posts...

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How to Prepare Your Business for a Hurricane Blow

Like other natural disasters, a hurricane can deliver a serious blow to your operations. From a power outage to broken water pipes to floods to loss of business and so on, the financial impact can hit hard. Those who...

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How to Make the Most out of a Traffic Jam

A PRIME Insurance Labor Day Traffic Guide - Unfortunately, traffic jams occur all the time. With Labor Day weekend on the immediate horizon and guaranteed traffic jams awaiting vacationers, these tips on how to make the...

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How to Protect Yourself from a Charity Scam

- Effectively Helping Hurricane Harvey Victims in TX and LA - We all have seen the pictures of flooded streets, cars, homes, businesses and property along with the look of anguish and suffering on the faces of...

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How to prevent Employee Chronic Pain and Opioid Addiction

Every business should be concerned about employee health, safety and accompanying workers comp costs. As the media highlights the devastating effects of workers' pain management and opioid dependency, insurance...

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Inland/Ocean Marine Insurance from the Specialty Underwriters

- Another PRIME Insurance - TokioMarine Special! - PRIME Insurance is happy to proclaim its partnership with TokioMarine, experienced specialty underwriters. Together, we offer the various forms of Inland or Ocean...

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Will Insurance Pay for Vandalism Damage?

Vandalism in Charlottesville, NC, Boston, MA and now in Manhattan in regard to the 'Charging Bull' has drawn national attention. How does it relate to insurance protection? "Willful and malicious destruction of...

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