Ross, Stepien & Kadey, Inc.

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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Feb 19

Auto Accident Tips

No one wants to be in an auto accident, but if you are, review these helpful tips.

Feb 18

Spring’s Coming! Do you know what type of “flooding” is excluded from your homeowners insurance policy?

Don’t be left drowning in costly water damages to your home. Find out what your homeowners vs. flood policies cover. HomeownersVsFlood

Oct 16

Need Insurance Coverage for a Special Event or Fall Festivities?

We have companies available to place your insurance with! Eligible Classes: • Haunted Attractions • Pumpkin Farms • Hayrides • Sleigh Rides • Corn Mazes • Christmas tree lots including “cut your own tree” • Mud Runs • Skating Rinks • Lumberjack competitions and other outdoor sporting events Features: • General liability limits up to …

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Oct 02

Affordable Insurance for Renters

Affordable insurance for renters I rent my home. Am I covered for losses under my landlord’s homeowners or landlord insurance? No. Your landlord cannot insure your personal property, your personal computer, clothes, stereo, television, jewelry, furniture, bicycle, artwork and other items against destruction or loss. Renters insurance, however, will give you both property and liability …

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Apr 02

Ok…So what the heck IS professional liabilty insurance?

Professional Liability Insurance “Errors and omissions coverage” is another name for professional liability  insurance. It helps protect doctors, accountants, attorneys and architects and a variety of other business professionals against negligence claims made against them. What is Covered An example of an item covered by professional liability insurance would be an  accounting mistake that causes …

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Dec 06

Does Homeowners Insurance Provide Coverage Beyond Your House?

Yes. Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance also cover your liability or legal responsibility for any injuries and property damage (other than professional or motor vehicle related liability) you or members of your family cause to other people. …

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Nov 21

What is My Home Worth?

by agent and partner Ron Kadey   That’s a question that is not quickly answered.  In the property insurance business we try to avoid the word “worth”.  It’s too nebulous.  When my clients question the amount of coverage on their home I always start my explanation by clarifying the difference between “market value” and “replacement …

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Nov 17

Insuring Your In-Home Business

Insuring Your In-Home Business

Nov 14

How Are Insurance Rates Set?

How Are Insurance Rates Set?

Nov 07

Are your holiday gifts covered?

Are your holiday gifts covered?