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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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Specialized Products

MGM Insurance provides specialized insurance packages for certain types of small businesses, as well as optional coverages for certain types of risks.

Advertising -

Complete coverage for professional liability, directors & officers, computers, liability and contents coverage for trademark and copy right infringement.

Long Haul Trucking -

We can provide liability and vehicle coverage for all your trucking requirements including permits and fuel tax bonds. This coverage furnishes protection from injuries to others, their property, as well as your own.

Manufacturers -

Whether or not you're a metal, plastics, or wood manufacturer, we can provide liability, property and coverage to meet your individual needs, including equipment, break down and credit insurance.

Non-Profits -

We provide coverage for Directors & Officers, Property, Liability, Auto, Professional as well as Employee Benefits and Special Events.

Professionals -

A wide range of coverages whcih could include business packages as well as professional liability and workers compensation. Other benefits that could be offered are life, dental, disability, persoanl, auto and homeowners insurance.

Sporting Activities -

Liability coverage for adult and youth events including leagues, tournaments, camps or clinics. Coverage may be purchased for participants, fields and spectators.

Service Stations -

We can protect you from lawsuits from customers who have entrusted yo with their vehicles as well as dealer plate coverage and garage liability is available.

Small Business -

We can offer building, personal property liability coverages as well as workers compensation, auto, equipment and umbrella coverage for your small business. Most coverages can be packaged together for a more convenient customer billing.

Taxi, Limo and Paratransit -

This coverage provides liability and physical damage protection for injuries to others while transporting passengers.

Contact us today to get a free group products insurance quote.

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