All Dogs Matter

Have Pitbull, need Homeowners 

Insurance companies shouldn't exclude insuring people based on the breed of their dogs.  "All Dog breeds deserve a chance."

click here to read full arti

Summer is here 

Rescue a Dog from a hot car

Most people know leaving children alone in cars during hot days can cause heat stroke or even death.  But what would you do if you saw a puppy in that situation?

It's illegal in 16 states to leave a dog alone in a car in extreme heat.  NY and NJ are two of these states.

New York: NY Agri. & Mkts. § 353-d
“A companion animal [cannot be] confined in motor vehicle in extreme heat or cold without proper ventilation or other protection where confinement places companion animal in imminent danger of death or serious injury due to exposure.”

What to do if you see a dog in a locked car

70 degrees outside = 90 degrees in a car with closed windows after 10 minutes.
And 30 minutes at 70 degrees = 104 degrees.

Take a picture of the car showing the dog inside the car, including the license plate, screenshot a picture of the current weather in your area and call the police before taking the matter into your own hands.   You might put yourself at risk of fines or criminal charges breaking the window.   Use your judgement - "While Good Samaritan laws do not exist in many states, according to attorney and Director of Legal Affairs for the Animal Protection League of NJ Doris Lin, the chances of being prosecuted for saving an animal from a hot car are rare."

A Good Deed

Helping our Veterans...Paying It forward

Imagine just one day that everybody in the world would "pay it forward".   One at a time we would change the world.  Today State Farm helped an Army Veteran by donating a set of wheels.  Thanks to the help of charitable organizations and State Farm, an Army Vet, single mother of 3 and brain tumor survivor was surprised with a 2007 Toyota Camry at Stephanie Sgroi's office in Port Jeff Station.

"It's a small effort for our company  to pay back veterans for their service and the risk they took,"
 said Steve Wisotsky, of State Farm Insurance.

Just one of the ways State Farm helps LIFE go right

Michael's Auto Collision donated repairs

Helping Horses

Warrior Ranch Foundation rescues horses.  They combine repurposing horses and educating Veterans in Horsemanship.  Using Equine assisted therapy to reduce symptoms of PTSD.  The veterans help Horses overcome their fears and in doing so they help themselves.

The Warrior Ranch Foundation

9-1-1 Veterans

Is a organization dedicated to helping LI Veterans

911 Veterans

Coffee and Obamacare

Care Bears

Are you too young to care about Life Insurance 

My Dog ate my Homework

Teacher my dog ate my homework

I'm a big believer in insurance.  Especially when it comes to LIFE Insurance.  I love talking about it, explaining it, learning about it and selling it!

If you like it you better put a ring on it...

Being in the industry, I know jewelry should be insured on a separate policy.  I don't have lots of Jewelry,  but every piece has a special meaning.  I've been married 23 years...Many memories. Some great, others so so.  Every piece reminds of the occasion and the life we've built.

Just another Blog

If I haven't bored you, and you're still reading, it may seem like just another blog, but keep reading, it gets a little better.  Tuesday morning I went to 711 before work, got a  cup of crumbcake coffee.  Yummy! This was a special treat.  I usually drink Keurig at the office.  After a long day at work, on my way home I stopped at Meat Farms for a quick food shopping.  Get the picture... a normal day.  When I got home, I glanced at my hand and my Diamond Anniversary band was gone.  In a fraction of a second, I was filled with an overwhelming sense of  loss, panic and despair.  You'll never understand the felling until you've experienced it.  I looked for my ring for hours, I drove back to Meat Farms, I called 711.  I tried thinking back to where I could have lost it, retraced my steps.  And cried.  I knew in my heart the ring was gone. Still, the next day, I looked in the parking lot at work,  in the office, through my trash. In the recycling bin.  I just knew it was gone.  Thankfully for me, this story has a happy ending.  This morning, while I was packing my lunch for work, my dog Meeko was playing with the ring on the floor.  I don't know how I lost it, and I don't know how my dog got a hold of it.  It's a miracle.  I can't wrap my head around it.  I'm just happy to have it back.

I told you so

The moral of this story is I should have insured the ring on a separate policy.  Yes jewelry is covered under my Homeowners policy.  But there's limitations, and I have a $3000 deductible.  I'm in the industry, I know this. Anyway, I would never have filed a Homeowners claim for lost Jewelry.  Yet I never got a Personal Articles Policy.  It's separate protection just for your valuables. With a low or no deductible.  An affordable peace of mind to have coverage on your valuables.  Depending on how much Jewelry you have, it's probably about $100 for the year.

Teacher I learned my lesson

I made an appointment to have my jewlery appraised and I'm writing my own Personal Articles Policy.  I know it's easy.  I just need to show the appraisal and pictures.  I'll have insurance and peace of mind.  I never want to have that helpless, sad sense of loss.  And I'm telling this story to every customer that buys Homeowners Insurance.  A simple, inexpensive way to insure your jewlery.

[Hugs]

Teresa

Bob the Builder

I'm always careful

If you're entering someone's house or place of business you're putting yourself at risk simply by being there.  A small  job can cause thousands of dollars worth of damage. Among other things, Liability insurance  takes care of legal fees.  Protecting  you from a loss that could put you out of business.

Types of business insurance

Property insurance -  covers your building, equipment or inventory.

General liability insurance / Business Owners policy - pays for your  defense if your service causes damage or harm. It can also cover medical bills to others.

Workers compensation - is required in NY if you have employees. It provides coverage for employees who are injured on the job.

Commercial auto insurance - depending on type of vehicle and if driven for business use.

Commercial Insurance Premiums Up in April

Teresa 

The C Word

Fight the C word One Step at a Time

Beast cancer is caused by cells in the breast that become abnormal and multiply forming a tumor. 1 in 8 American women will develop Breast Cancer.  While we can't walk in their shoes we can help fight Cancer one step at a time.  

Spread the word about Mammograms  

Early detection saves lives. There's a  better chance to fight Breast cancer if found early and treated.

Find a cure

Help bring awareness to cancer research and raise awareness about the importance of screening and the early detection of breast cancer.

Families Walk and Run for Hope. 

Saturday May 6th. 

Support Stephanie's Bosom buddies.  Walk and Run or click below to donate.

Stephanie's Bosom Buddies

All money raised goes to the Fortunato Breast Health Center at Mather Hospital. "Together we are educating our community about breast cancer one step at a time"


FU Breast Cancer
[Hugs]
Teresa