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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Jan 29
Why should I buy life insurance?
Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations: Replace income for dependents If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with …
Jan 18
Do You Need Insurance For Your Drone?
Don’t Get “Drone” for a Loss this Holiday Season Be Sure You’re Covered Before Taking to the Skies with Your New Flying Gadget More than a million drones are expected to land under Christmas trees this year, according to the Federal Aviation Administration (FAA). Piloting a drone might be a dream for kids of all …
Jan 13
Five Insurance Mistakes to Avoid And Still Save Money
We are all concerned with saving money and it is important to shop around when looking for insurance coverage. However, simply reducing your coverage or dropping important coverages altogether can leave you dangerously underinsured in the event of a disaster. Following are the five biggest auto, home, flood and renters insurance mistakes consumers can make, …
Jan 11
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 …
Jan 07
Insurance for the Small and Medium-sized Business Owner
Insurance for the Small and Medium-sized Business Owner A Business Owner Policy, or BOP, may be what your need as a small or medium-sized business owner. A BOP covers your business for property and liability and helps keep your assets safe. Learn more in this video produced by Russell Productions in NYC in association with …
Jan 05
Water and Flood Damage: What Is and Is Not Covered
Source: Insurance Information Institute http://www.iii.org/
Dec 23
Small Business Safety – Part 2
Workers’ Compensation: Why it’s important for Small Businesses Writing a business plan, choosing a business location, financing your business, obtaining a tax identification number, business licenses and permits seems like a long list and a lot of work. Even after all those requirements are completed, there is still one very important element missing—Workers’ Compensation insurance. …
Dec 21
The Insurance Shop Offers Tips to Help You Save on Auto Insurance
Purchasing the auto insurance that is right for you can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your auto insurance and feel confident you have adequate coverage. The Insurance Shop and Travelers, a leading provider of auto and homeowners …
Dec 16
Small Business Safety – Part 1
Protect Yourself Against Phishing If you’re a busy person who’s always on the go, you probably check your email on your phone. Gartner reports that almost 75% of smartphone owners use their devices to check their email. And if you’re really on the go, you read your email quickly. In fact, Movable Ink’s US Consumer …
Dec 15
December, January & February are the LEADING Months for Home Fires!
December, January and February are the leading months for home fires and fire deaths in the United States. On average, more than one-third of home fire deaths in the United States occur during the winter months. Here are tips to help you protect your family and your home. How can I heat my home safely? …