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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Dec 14
How To Save on Commerical Auto Insurance in the Off-Season
Ever mowed a lawn in January? Or plowed a snowy driveway on a hot July day? If you own and operate a seasonal business, chances are you aren’t working in the off-season, so the insurance you carry should be different than what you carry in-season. Leading commercial auto insurers like Progressive offer seasonal insurance for …
Dec 10
8 Tips For The Road Ahead – Be Safe, Be Smart On A Long-Distance Road Trip
Whether you’re traveling alone, with a buddy or with your spouse and a car full of kids, there are few things more “American” than the long-distance road trip. Countless vacation travelers will drive the highways looking for fun and making memories with every mile. If traveling down the “holiday road” is in your plans, take …
Oct 05
Insurance Coverage for Heavy Equipment and Products
Types of Products Industrial / mechanical equipment Construction equipment Medical related products and accessories Toys Sporting goods (including firearms) Environmental Importers / distributors Features General liability (including products / completed operations) Monoline products liability Excess limits up to $25M New ventures Accounts with loss frequency or severity
Oct 02
Insurance Coverage for Tow Trucks
Types of Risks Full time towing Repair shops Up to 50% auto repossession Maintenance on own fleet Types of Coverage Auto liability Physical damage In-tow / on-hook Garagekeepers / in-tow storage General liability Excess liability Excess on-hook
Oct 01
Insurance Coverage for Fall Festivals and Special Events!
Fall Festivals / Special Events Types of Risks Festivals / Fairs Haunted Houses Hayrides Tailgate parties Events including Bounce houses Pony rides Fireworks And many more! Features General liability and liquor packages Short term or annual policy terms Additional coverage available: Set up and take down Rain date Additional insureds Excess / umbrella Increased limits
Jan 12
How are insurance rates set?
How does insurance work? People buy insurance coverage to protect themselves from potential future loss. In exchange for payment of a known fee—the insurance premium—the policyholder is able to transfer his or her potential risk to an insurance company, which agrees to pay in the event of such a loss. Insurance works because it allows …
Dec 30
Insuring your in-home business
Approximately 40 million Americans operate full- and part-time businesses from their homes. The home-based business represents a substantial investment of time, money and property. Yet many business owners do not have the coverage necessary to protect themselves and their businesses. Is my in-home business covered under my homeowners policy? Not sufficiently. Many homeowners policies provide …
Dec 29
Identity theft – Who’s been in your wallet?
The Federal Trade Commission estimates nine million Americans have their identities stolen every year. Identity theft occurs when an unauthorized person uses your personal identifying information, such as your name, Social Security number, credit-card number or financial account information, without permission. The most alarming aspect of this crime is that you may not realize you …
