We are an independent insurance agency located in Liverpool, NY. We cover all your insurance needs: auto insurance, home insurance, life insurance, and business insurance.
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Ross, Stepien & Kadey, Inc.
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Mar 28
Things to Know about Coverage for Jewelry and Other Valuables
Your Homeowners Insurance May Cover Only Part of What You’d Pay to Replace High-Value Items Standard homeowners and renters insurance policies include some coverage for jewelry and other precious items such as watches and furs. Like other belongings, high value items are covered for losses caused by all the perils included in your policy such …
Mar 21
Credit and Insurance Scores
Insurance scores and credit scores differ. Credit scores predict credit delinquency while insurance scores predict insurance losses. Both are calculated from information in a credit report, such as outstanding debt, bankruptcies, length of credit history, collections, new applications for credit, number of credit accounts in use, and timeliness of debt repayment. Insurers or scoring agencies …
Mar 14
Finding Coverage that Matches Your Business Size
Home Business, Small Business, Global Business—Here’s How to Choose the Right Coverage for Your Business The types and amount of insurance that you need for your small business are based on several factors. What type of business are you in? Where is it located? Do you have employees? You can evaluate your insurance needs—and start …
Mar 07
Steps to Reduce Workplace Injuries
MANAGING BUSINESS RISKS Injuries to employees can be devastating for businesses, especially small businesses with fewer employees available to take on new roles when an injured worker is on leave. While workers compensation insurance will help pay medical costs and replace an injured employee’s lost income, your business will have to absorb costs associated with …
Mar 04
What Do Women Business Owners Want? Credible, Accurate Insurance Advice
NEW YORK, February 29, 2016 —Women have made great strides in the business world in the past few decades. And business insurance is essential to protecting their hard-earned capital, according to the Insurance Information Institute (I.I.I.). Forty years ago women owned just 5 percent of all small businesses in the United States. Today, they own …
Feb 03
How to Choose the Right Type of Life Insurance
Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options. You should consider term life insurance if: You need life insurance for a specific period of time. Term life insurance enables you to match …
Feb 01
Tips for Surviving Severe Cold Weather
Much of the country periodically experiences severe and sustained cold weather, with snowfalls interspersed with periods of melting and freezing. This can inflict considerable damage on homes. Here are some tips and steps you can take to keep your home safe and make insurance losses less likely during extended severe weather. Keep sidewalks and entrances …