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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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3 Ways to Protect Your Business Against Disasters

You may not know when disasters will strike but you can be prepared by planning ahead for the unexpected. Here are a few ways you can protect your company against unforeseen events that can disrupt your business.

Identify Your Risks  

Assess your business, its location, resources, etc., and determine the greatest threats to its growth and expansion. Is your building and inventory in jeopardy of floods or fire? Do your employees know what to do if a disaster strikes? What consequences would you face if you were forced to shut down due to storm damage? Once you identify your risks, make a plan for addressing them so you can be prepared for any eventuality.   

Protect Business Functions

Make a list of your major operations and determine how you would keep these running after a disaster. Make a plan for protecting your computers and important business data to include employee, vendor and customer contact information. Back up essential data periodically and keep files in a safe, secure location.

Form a plan for communicating with employees, suppliers, and customers after a disaster to keep them informed of what’s happening with your business. You could post updates on your website or use other forms of social media to let the public know when you will be operational again. If possible, contact key customers personally so you don’t lose them during recovery.

Protect Your Business with Commercial Insurance

Make sure your Scotia, NY business is protected with commercial insurance. A comprehensive commercial insurance policy from DePaulo Agency that includes property damage, liability and business interruption coverage will protect your business from financial ruin in the event of a disaster.

To learn more about commercial insurance coverage and costs, contact an agent from DePaulo Agency in Scotia NY.

What is RV insurance?

It is often a challenge handling various types of Recreational Vehicles (RVs). Whether you own one or more RVs such as Motorhomes, popup campers, or firth wheels, you may or may not be required to purchase RV insurance. DePaulo Agency helps its Scotia, NY neighbors protect their RVs with RV insurance.

Any vehicle that you use on the road, including motorhomes, should be insured properly. It some situations, a lender may require you to have more coverage above the New York minimum liability coverage. For example, a lender may require you to have full coverage for your camper in states where it is not mandatory to have insurance for a towed camper.

Specialized Coverage

An insurance company can offer you specialized coverage on top of the standard set of coverage options for your RVs. Specialized coverage can help you immeasurably at the time of loss. In fact, if you don’t include coverage for custom equipment and personal belongings in your RV insurance policy, replacing a loss can be costly. You should consider purchasing specialized coverage on campers and motorhomes for:

  • Total loss replacement: Is often available to RVs that were previously untitled up to one model year old. The claim for agreed value or cash value can be difficult, and thus, you need to know how your policy reads clearly to avoid surprises.
  • Custom equipment: This is an important coverage for RVs with custom parts. You need to consider increasing the automatic limit if you have made upgrades on the interior or exterior of your recreational vehicle. It is also vital to keep track of how much you spend on your custom equipment.
  • Vacation liability: When your RV is used as a temporary vacation residence, the coverage will come in handy in paying for bodily injury and damage to property in the event of an accident. The option is available for pleasure users only and it pays to specified limits.
  • Roadside assistance: Covers for towing costs when the RV is disabled. It covers for disabled RVs when the RV has been disabled through a mechanical breakdown, flat fire, lock-out, battery failure and insufficient supply of fuel oil or other fluids.
  • Personal effects: Your personal effects may not be included in the RV policy. So, you should protect your personal effects by purchasing the personal effects coverage from DePaulo Agency in Scotia, NY. If you often travel across state lines, you should check your homeowner’s policy to verify coverage limits.

If you use your RV to escape the city and suburban life during your vacation, you need to protect your asset properly by purchasing RV insurance. Avoid paying for all the bells and whistles by contacting us at DePaulo Agency in Scotia, NY for more information on specialized coverage.

 

Why You Should Insure Your RV This Summer

Summer has arrived here in Scotia, NY, and that means that you’re probably already planning a summer vacation with your family. Your RV is ready to travel, and you have everything you need to make your trip worthwhile. However, have you considered the risks of not insuring your RV?

The risk of an accident can strike at any time. Whether you’re on the road, at the campsite, or in a parking lot, your RV can get damaged. You want to make sure that you have the right coverage for your RV if something catastrophic happens to it. We here at the DePaulo Agency are here to explain why you should ensure your RV this summer, and how it can save you thousands in the long run.

It’s Not a Matter Of If, But When

No matter what kind of vehicle you own, it’s only a matter of time before an accident occurs. This doesn’t necessarily mean that you will be the catalyst for an accident. You can almost always assume other drivers may end up causing you an accident. You might be the safest driver on the road, but there is nothing stopping someone from running into you. There are simply too many variables that you can’t control on the road.

The weather is also a huge factor when it comes to property damage. Your RV is a larger vehicle, which makes it more susceptible to damage in the event of a harsh storm. Getting the right insurance is key to ensuring that your RV gets the repairs it needs in the event of an accident.

Get the Insurance You Need

The DePaulo agency is here to help you insure your RV. We offer a variety of premium plans that will cover your RV in the event it becomes damaged. We provide quality insurance service in Scotia, NY, and are here to help you with all your vehicle insurance needs. Give us a call today to schedule your consultation so you can focus on your vacation time, and not worry about what could happen to your RV.

Things an Umbrella Policy Can Cover

An umbrella insurance policy is one that is very cool but it is not very well known or popular. The fact is that people simply do not know what an umbrella insurance policy can cover and if it would be a great option for them and their specific needs. You do not want to get an insurance policy that you do not understand or one that you do not need. That is why it is very important to understand what it can cover. Use this guide from DePaulo Agency, serving Scotia, NY, to determine if you need an umbrella insurance policy.

  • It covers the gap. One of the biggest things that it can cover is the gap between what your home and auto insurance policies can cover and what you actually need to be covered. If you have a home or a car that is valued beyond what your other policies will cover, then an umbrella insurance policy is the perfect solution to make sure that your home and car are completely covered.
  • It provides liability insurance for you. If you are someone who likes to have parties at your home on a regular basis, you may have a need for additional liability coverage in case someone decides to sue you for something that happened at a party. Umbrella insurance can offer that for you so you are always covered.

Now that you know what an umbrella insurance policy can cover, it is time to determine if you actually need to have one in place. If you are still not sure, we can help you best determine if it is needed. Be sure to reach out to us here at DePaulo Agency, serving Scotia, NY, today to get started. We can even pull a free quote for you.

Are You Required to Have Renters Insurance?

If you rent your home in Scotia, NY, you may be wondering if you need to have renters insurance in order to protect yourself. This is a common question because a lot of people assume that if the owner of the property has home insurance there is no need for renters insurance. However, that could not be further from the truth. Here at DePaulo Agency, we always recommend having renters insurance and these are just a few reasons why. 

  • Renters insurance protects your stuff. Even if the owner of the property has home insurance, that only protects their property. However, it does not protect anything of yours or give you any liability protection. You simply cannot rely on their insurance. 
  • You may be required to have it in your lease. Although there is no state requirement tied to renters insurance, your landlord has every right to require you to have renters insurance. It must be outlined in your lease, however, so a verbal request is not enough. 
  • It will give you peace of mind. Having insurance to protect all of your belongings and provide you with some liability protection will give you the peace of mind that you need.
  • It is cheap. Renters insurance is one of the least costly types of insurance on the market. Since it will not cost you a lot, it is worth considering. 

As you can see, there are several reasons to consider getting renters insurance, even if you are not required to in your lease. If you are interested in getting renters insurance, make sure you call us here at DePaulo Agency, serving Scotia, NY, today. We will provide you a free quote and will make sure that you get a policy that meets your needs and your budget.

Commercial Liability Insurance: Do I Need It?

When considering what kinds of commercial insurance you need for your Scotia, NY business, you might be thinking that liability is not something for which you need to spend extra money.  Your friendly agents at DePaulo Agency urge you to think twice as most businesses can find themselves facing serious losses for a number of unforeseen events.

Manufacturing or Retail

Your liability insurance will include protection against defects in the products that you produce or sell.  While everything on your shelves is made to be used safety, there will come a time when something unfortunate happens on the production line or in storage. Liability can ensure your customers’ problems are addressed and your reputation is maintained.

Gyms, Physical Therapy, and Athletic Clubs

You will do your best to maintain all the equipment, from the weights to the cycles to the exercise mats. However, part of working out is pushing bodies to the limit and somebody is going to get injured. With the right commercial liability coverage, the headaches of handling all the twisted ankles can be delegated to your qualified insurance provider. 

Consulting Services

Okay, so your customers will never see you face to face as you spend all your time on the phone with them.  However, if you provide any kind of advice that can directly affect their financial well-being, only liability insurance can help you whether sudden changes in the market that had unforeseen consequences.  Lawyers, doctors, engineers, and even accountants will fall under this broad category.

As you can see, liability coverage is there to help mitigate the damage that our lawsuit-happy society can cause to your business.  Make sure that your Scotia, NY company is properly protected by setting up a consultation with your insurance professional from Depaulo Agency today.

Should I Insure My Garaged Motorcycle?

When it comes to owning a motorcycle, one of the best things to do is take her out on the open road and enjoy the warm fresh air. For many people who own a motorcycle, though, finding time to take the bike out is quite difficult. In fact, some people end up leaving their bike garaged most of the year. And while it might seem like a garaged motorcycle doesn’t need insurance coverage, the truth is, it does. 

Your motorcycle needs to have insurance on it even if it is kept in the garage because you never know what could happen. Take for example someone breaks into your garage and steals your bike. With the right insurance coverage, you will be compensated for your stolen bike. Without insurance, though, you may not receive any type of compensation. 

Another reason to keep insurance on your bike is because if you have a lien against it, there is a good chance that the lien holder will require you to have insurance. The lien holder wants to know that if something were to happen to the bike, that you are still going to pay for it. With insurance, they can rest assured they will be paid what is owed to them if something happens to the motorcycle. 

Lastly, depending on where you live, it may be required by state law to keep insurance on your motorcycle. You will want to speak with an insurance specialist to determine if this law applies to you. 

Contact DePaulo Agency today serving the Scotia, NY area to learn more about the benefits of investing in a motorcycle insurance policy. 

Is Boat Insurance A Legal Requirement?

Having a boat can be a great way to spend your leisure time. When you buy a boat, you may be wondering if it is a legal requirement to have boat insurance before you can hit the open water. Here is some helpful information to get you started.

Is Insurance A Requirement?

In the state of New York, boat insurance is not a legal requirement, but it is highly recommended. There is a high risk of damage and accident when out on the open water. In some ways, there are more risks on the water than there are on the highway. If you are going to spend money on a recreational vehicle such as a boat, you need to protect your investment and get boat insurance to help you repair or replace after a covered event.

What Does It Cover?

Boat insurance will cover the repairs to another boat if you have a collision. You can also get a full coverage package that will help you repair or replace your own boat in the event of an accident or other covered events. It is important to consider that you may need coverage in the event of theft, wreck while in transport, or fire caused by any number of circumstances. If you want more information about boat insurance and the limits of coverage it provides, you should call or stop by Scotia, NY, DePaulo Agency.

Don’t leave your investment to chance without having boat insurance. Get more advice and help from our knowledgeable insurance agents at Scotia, NY, DePaulo Agency. Get out on the water and have peace of mind knowing that you are covered when you need it.

 

 

What are the Motorcycle Insurance Requirements?

Riding a motorcycle on a nice day can be a very fun and exhilarating activity. While a motorcycle is a great recreational vehicle and mode of transportation, it also is a valuable asset that needs to be properly covered by insurance. For those that live in the Scotia, NY area, as well as other areas of state, there are minimum motorcycle insurance requirements that need to be followed.

Property Damage

When you are looking for a new insurance policy in the state of New York, the first type of coverage that you will need to have is property damage insurance coverage. In the state of New York, the minimum requirement is $10,000 for property damage for every single accident. This will provide coverage to the other party in the event that you are found at fault in an accident.

Bodily Injury Coverage

When you are looking to build a motorcycle insurance policy is compliant with state requirements, you will also need to have bodily injury coverage. In the state of New York, you will need to have minimum requirements of at least $25,000 per person and $50,000 per accident. You also need to have an additional level of coverage of $50,000 per person and $100,000 for an accident in which two or more people are involved.

Additional Requirements

While you following the state requirements are important, you also need to make sure you are in compliance with your motorcycle lender requirements.  Your motorcycle lender may also require collision and comprehensive coverage. 

For those that are in the Scotia, NY area, finding the right insurance company is very important. One insurance company that could provide you with valuable insight into your needs is the DePaulo Agency. The DePaulo Agency will be able to help you better understand your insurance needs and get you into the right policy for your situation.

Myths about RV Insurance

If you have a recreational vehicle (RV) you want to make sure it’s going to be protected in case anything happens. This is true whether you are out on the road, parked or using an RV as your residence. Getting RV insurance doesn’t have to be complicated, but you do need to be aware of coverage options.

It’s important that you know these myths about RV insurance in order to protect your investment and why having the proper insurance for your RV is crucial.

1. The RV Will Be Covered by the Auto Policy

The auto policy will not cover any personal belongings that you carry in your RV and, when your RV is parked and used as a residence, it won’t include liability insurance. An auto policy also won’t cover many of the accessories on the RV, such as awnings, satellite dishes or antennas. If your RV is a loss and you use that as a residence, a regular auto policy will not cover any expenses for lodging or traveling.

2. Homeowners Insurance Will Cover Personal Property on the Road

There are usually strict limits on what is covered under the homeowner’s policy, especially if it’s off premise, and your auto policy won’t cover personal belongings. With a proper RV insurance policy, comprehensive coverage will cover your personal belongings.

3. RVs and Autos Are the Same

While an RV and car will get you from point A to point B, they are not the same. Cars don’t have sleeping quarters, bathroom facilities or built-in ovens and thus don’t require the same amount of insurance coverage.  

Visit or contact an agent at DePaulo Agency serving Scotia, NY to learn more about the right RV insurance policy for your needs and optional coverage that you can add to always stay protected.