The Rise of Outdoor Recreation In the age of “social distancing,” people began to prioritize outdoor time. Couple this with the extra cash provided by stimulus checks, and people now had the time and money to invest in themselves. And they did so by buying personal watercraft. Between 2020 and 2021, US boat sales topped more than 620,000 units. Lockdown...

The hospitality industry thrives on creating a welcoming and memorable experience for guests. However, behind the scenes, hospitality businesses navigate a complex landscape of risks, unlike any other industry. Hospitality faces a constant flow of people and ever-changing regulations. This unique combination creates a heightened risk profile that demands proactive risk management. Fire Risks Hospitality businesses are at a greater...

If you’re looking for one of the simplest ways to keep your home and family safe in an emergency, a whole-home generator may be the answer. But what are the main reasons to have a generator permanently installed? Keep reading as your insurance Advocate explains. Weather Preparedness Storms are part of our everyday lives, and climate change has created powerful...

As cold weather begins to fade away and summer shines through, it’s easy to get excited about longer days. But along with the sunshine comes the threat of severe weather, including hurricanes. Today, your insurance Advocate discusses ways you can keep yourself, your vehicles, your families, and your businesses safe. Know Your Zone. In addition to the obvious coastal zones,...

Many teenagers experience the first beautiful breaths of freedom in college. Those who choose to live away from home are no longer under the constant rules and scrutiny of their parents. Often, this means experimenting with alcohol and other substances, such as cannabis… And many teens don’t see the problem with that “a few drinks” or a “legal” vape can...

When you own a business, you take steps to keep it safe every day. But, if you let any of the following insurance products slip through the cracks, then your business may be at risk. Cyber Liability Insurance We live in a digital world, and even small data breaches can cause big problems. Cyber liability insurance helps protect your business...

Standard homeowner's insurance is typically tailored to average-priced homes, leaving high-end homeowners at risk of being underinsured. Luxury and custom-built homes in the New York metropolitan area often require specialized coverage to adequately protect their substantial investments. Advocate Brokerage understands the unique needs of high-value homeowners in places such as the Hamptons, New York City, Westchester County, Fairfield County, Miami,...

Whether you’re looking to cover a single vehicle or an entire fleet, Advocate Brokerage has you covered from roof to road. As a business owner, you need more than just comprehensive and liability. But what types of coverage do you need for your business vehicles? Keep reading to find out more. Bodily Injury And Property Damage Liability As the foundation...

If you are just getting ready to purchase a second home, installing a water shutoff device is one of the first things to consider. Why? Keep reading as today’s blog explains what these are, how they affect your insurance, and the problems today’s technology can circumvent. What Is A Water Shutoff Device? A water shutoff device is simply a device,...

  Spring is here, which means cleaning closets and chasing dust bunnies at home. But your business is another place that deserves the white glove treatment as the days get longer and the temperatures get warmer. Here are a few simple ways to touch base with your business to help you start this quarter off right. Audit systems and procedures....