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NEWS/TIPS

Water Safety:

Did you know that as of 2004, New York State has made it mandatory for any operators of a jet-ski to hold a current boater safety course certificate. Your family can take the course as a day event and will help bring understanding of the rules and safety issues that are misappropriated from time to time.

Summertime fun in your home:

With the nice weather here, its time to make sure your home has its extreme makeover before the summertime ends. Preventive measures for your home's future is the best way to avoid a claim.

• Cleaning out your gutters from leaves and debris will keep the moisture from growing.
• Watch out for the birds nesting in your dryer or roof vents.
• Trimming and pruning your trees will help any future mold build-up on the roof and this will keep the life span of your current shingle to its warranty.
• Repairing any cracks in your sidewalk or driveway will help the longevity of the pathways. This will help you maintain a safe environment for your family and friends to walk on.
• Also look for loose handrails or steps to avoid any slips or falls.
• When washing your windows to enjoy the beautiful sunshine, check for any cracks that are in need of repair or caulking around the perimeter.

When hiring a contractor for your work, we recommend to secure that they maintain a current certificate of insurance showing workers' comp and GL at a minimum of at least $1,000,000 before you authorize the work to start.

WAY$ TO $AVE MONEY ON YOUR IN$URANCE PREMIUM$

• Teens who earn a "B" or better high school average may be eligible for a 'good student discount' up to age 22
• College students 100 miles or grater from home may be eligible for a 'distant student discount'
• Available safety course discounts for successful completion of defensive driving, boating and recreation vehicle classes
• Automatic seatbelts, driver & passenger airbags and vehicle safety features such as anti-lock brakes and anti-theft devices
• Package all insurance policies with the same carrier
• Home, auto, and business alarm credit for central station response
• Make certain all information the insurer has about you is accurate
• Raise insurance policy deductibles

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The Big Difference is Experience...

If you look closely, you will see that all insurance companies are not the same. Some sell standard packages. Others are limited in their range of offerings. Some literally don't have the full experience to adequately serve your specialized needs.

MGM Associates is a different type of insurance agency. And the real difference is our expertise. A combination of our long history, versatility, dedication and... our demonstrated experience.

For MGM Associates there is no insurance need that is too complex. Nor a need that is insurmountable.

We are an established full service independent insurance agency. We listen carefully, analyze information, then shop for the best coverage to fit your specific needs.

DID YOU KNOW WE ALSO OFFER...

^*SPECIAL EVENTS COVERAGE
^*IDENTITY THEFT COVERAGE

MGM Associates of Rochester is part of an elite group of independent insurance agencies around the United States participating in the Independent Insurance Agents & Brokers of America (IIABA) “Best Practices” Study Group.

Each year the IIABA and Reagan Consulting, an Atlanta-based management consulting firm, join forces to study the country’s leading agencies in six revenue categories. The agencies comprising the study groups are selected every third year through a comprehensive nomination and qualifying process and awarded a “Best Practices Agency” designation. The selected “Best Practices” agencies retain their status during the three-year cycle by submitting extensive financial and operational data for review each year.

More than 800 independent agencies throughout the U.S. were nominated to take part in the annual study, but only 195 agencies qualified for the honor. To be chosen, the agency had to be among the 25-35 top-performing agencies in one of six revenue categories. The agency was nominated by either an IIABA affiliated state association or an insurance company and qualified based on its operational excellence.

The Best Practices Study was initiated by IIABA in 1993 as the foundation for efforts to improve agency performance. The annual survey and study of leading independent insurance agencies documents the business practices of the “best” agencies and urges others to adopt similar practices.

The MGM Associates of Rochester agency was founded in 1984 and can offer insurance products from a number of different companies including CNA, Peerless, Utica National, SAFECO, and Harleysville as well as MetLife, Encompass, Travelers and NYC Mutual.

For further information, please contact Michael Montag of MGM Associates at 585-381-7008.

Founded in 1896, IIABA is the nation’s oldest and largest national association of independent insurance agents and brokers, representing a network of more than 300,000 agents, brokers and their employees nationally. Its members are businesses that offer customers a choice of policies from a variety of insurance companies. Independent agents and brokers offer all lines of insurance – property, casualty, life and health – as well as employee benefit plans and retirement products. Web address: www.independentagents.com.