By Denise Koslowsky When I talk about insurance, which is quite often, sooner or later the conversation will come back to what I currently consider a crisis – the many homeowners who are underinsured. It is an easy topic to understand when you are speaking in regards to the homes devastated by wildfires in California ..
No one really likes to think about insurance. Insurance is a necessity that you take care of and don’t give a second thought until some type of unexpected disaster occurs. Unfortunately, waiting to update your insurance broker could leave your insurance lacking when you need it most. Keep in mind, the more your insurance agent ..
If you’re a wine enthusiast who has been building a collection, we have an important question for you… Is your collection insured? According to Joseph V. Micallef, a writer for Food & Wine Magazine and contributor to Forbes, “On average, the value of the wine cellars of self-described wine connoisseurs is between $50,000 and $100,000. ..
Running a business is both extremely rewarding and challenging. On one hand, you get to do work you love every day, on the other you need to ensure your business is protected from any risks that could do it harm. As your insurance advocate we want to be sure our business clients know what types ..
With all the rain and the abundance of hurricanes and tropical storms we’ve been faced with this year, Advocate Brokerage feels like we need to share some truths with you about flood insurance. Below are a few assumptions people make about flood insurance and what you need to know. I have homeowners insurance so I’m ..
It’s been a cold, wet and snowy November. As we head into the winter season your insurance advocate wants to be sure our clients know what steps to take to keep your home safe. Your home is your world and you want to be sure it is protected from winter’s woes. Below are ..
We are deeply excited to announce our new Strategic Partners, Berkley One. Their goal is to make insurance more innovative and we are proud to work with them. They wrote a wonderful article about Advocate Brokerage titled, The Value Of Transparency. Read the article HERE
It certainly seems like throughout the summer and so far this fall we have had more than our fair share of rain! Heavy rainfall can lead to water invading homes and businesses causing thousands of dollars of damage. When water infiltrates your home it can create ..
Fall is here and so are the beautifully colored leaves! It is one of our favorite seasons here at Advocate Brokerage (isn’t it everyone’s favorite?) and we want to be sure you and your family are safe as you hit the road to take it all in. Leaves Fall foliage is one of the perks ..
According to statistics from the National Fire Protection Association, fire departments in the US respond to an average of 1 fire every 86 seconds. Home fires cause an average of seven deaths per DAY and cause an estimated $6.7 billion in damage. That is why for one week each year the NFPA calls the public’s ..
By Denise Kosloswsky – Principal Personal Lines For as long as I can remember, I’ve watched my parents give back to causes within the community. This philosophy of paying it forward has always been important, so much so that when they founded their company, it became a central part of the core beliefs of Advocate ..
Some people just really love cars. Owners of collector cars may spend hours searching for a new vehicle to add to their collection or sacrifice time to find all the elements they need to restore that perfect automobile. The classic car enthusiast is as passionate about the cars they love as we are about perfecting ..
Each year USA Today publishes a list of the most expensive cars to insure and each year we like to share it with our clients. This year we thought we would add a bit of insight as to how the cost of an insurance policy is determined. Determining the cost of insurance has many factors. ..
It’s hard to believe that we are talking about fall, yet the time is near. The official first day of autumn is next weekend! To keep your home, safe, warm and dry as we leave summer in the rearview mirror and head toward cooler weather, there are a few things you should consider. As soon as ..
Safety first! If you have been asked to evacuate, please do! Do not attempt to ride out the storm. Property can be replaced but you cannot be. Next, there are things you can do now to protect your property. What to do now: Install Storm Shuttersright away and be sure to ..
People up and down the East coast are taking notice and making plans to prepare themselves and their property for Hurricane Florence. Business owners also need to take steps to protect their livelihood. Losses that businesses incur during a hurricane can be crippling. The following tips are offered to help your business be prepared as ..
We’ve all seen images of vehicles submerged, reminders of the storm surges and flash flooding a hurricane can leave behind. For those who find themselves in the path of Hurricane Florence, we’d like to offer some preventative tips should you have to evacuate and leave your car behind. What to do now, before the storm ..
Summer is fading fast so it’s time to seek all the fun you can before it’s gone for good. For many people that means a quick getaway to celebrate Labor Day. Well if your last minute travel plans include your furry friends, listen up… American’s LOVE their pets (So does Advocate Brokerage!). 60% of US ..
The summer of 2018 is proving to be a very, wet summer. The national rainfall average is higher than normal and when adding in factors such as climate change and an increase in urban development, the risk for flooding increases. It also means that there are potentially millions of Americans who are at risk for ..
This summer I have come across two stories that have broken my heart as a mother. On June 10th 2018, both Morgan Miller & Nicole Hughes suffered an unimaginable loss. The stories are very similar and unfortunately all too common. On that day both of their children drowned. Morgan Miller, the wife of Olympic Skier ..
A water leak in your home has the potential cause thousands of dollars of damage. Water flows where it wants to flow and causes damage to nearly everything in its path. Our friends at Pure Insurance have shared with us that nearly 70% of their claims come from water damage. Drip pans can be your first line ..
It’s officially Hurricane Season and with 7 anticipated hurricanes and 3 of them predicted (by the Colorado State University) to reach Category 3 status, it may be a good idea to be prepared. Last month we talked about options for keeping your home safe. This month we’d like to talk to boaters. First and foremost, your personal safety and ..
June marks the official start of Hurricane Season which runs through the end of November. Each year hurricane experts make predictions for what we can expect in the year ahead. We are going to take a look at what’s ahead but first, let’s glance in the rearview mirror. A look back at last year In ..
Well the hard part is over. Your child (who is not so little anymore) is celebrating years of work in the classroom and on the athletic field. They are celebrating friendships that have taken years to build and now they stand at the end of something big but at the beginning of something bigger. As ..
It’s summer, time for sun and fun and vacations! With all the prepping and planning and packing it is easy to miss one very important thing…ensuring your home is protected from water damage. Water is high on our list of things that go bump in the night. People underestimate the power water has to wreak ..
Giving back to those in our communities who are less fortunate is a core belief for us here at Advocate Brokerage. Our principals, managers and many of our staff devote time in service to local not-for-profit organizations. We serve because we want to help those who have not been given the same opportunities and to ..
Auto insurance is something that almost everyone needs which makes the insurance marketplace incredibly competitive. With an extensive list of insurance carriers looking to capture your attention, offering safe driving bonuses and savings of 15%, it is understandable that people shop for auto insurance by comparing price. Understanding the many details within a policy then ..
Lessons I’ve Learned (am still learning) From Mom Denise Kosloswsky – Principal Personal Lines I’ve been watching and learning from my mom my entire life. Not everyone gets training for their future career during their formative years but I’m lucky enough to have learned from the best. I truly believe my mom is the world’s ..
By now we’re pretty sure you’ve seen or heard the ads offering you a brand new car if yours is totaled in an accident. Who doesn’t love the idea of getting behind the wheel of a new, better car after you’ve ..
April is Distracted Driving Month and all of us here at Advocate Brokerage are fully on board with the National Safety Council’s JUST DRIVE campaign. Traffic accidents are quickly on the rise and distracted driving is a key reason. According to the National Safety Council in 2017 alone over 40,000 people were killed last year from accidents ..
When a Tree Falls, am I covered? With each major storm, this question comes. It is one of the most frequent questions we receive at Advocate Brokerage, so we thought we would take some time to share all the important information you need to know about fallen trees and how they affect your insurance. ..
What if we asked you to open a blank word document and make a list of all the items in your home, along with their current value? If the thought of such an undertaking makes you cringe, don’t worry, we have a better idea. We are going to help you create a home inventory but ..
In a recent article on Property Casualty 360 that we shared on our facebook page a study by the University of Bristol revealed that the risk for flooding is higher than the current FEMA modeling shows. The study estimates that 41 million Americans are at risk from flooding rivers. That is almost 3 times ..
Do you obsess about creating the perfect vacation? We understand. We obsess about perfecting your insurance coverage. So if you are busy putting finishing touches on spring break getaways or working on summer travel plans, we want to help by giving you extra peace of mind with travel insurance. With several different types of ..
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Last Valentine’s Day American’s spent roughly $4 Billion on gifts of jewelry. Since sparkling gifts have become such a popular gift item at this time of year we thought we would do our best to review the ABCs of Insurance Coverage for jewelry. A is for Appraisals We cannot understate the importance of having regular ..
Last week we posted a short blog about the increase in home fire fatalities this year. In case you missed it, the statistics showed that we’ve had a 60% increase in fatalities during the first 18 days of 2018 when compared to the first 18 days of 2017. We focused our attention on our ..
Between January 1, 2018 and January 18, 2018, 221 people in the US died as a result of a fire at home. That is an increase of 60% over 2017. Statistics show that the cold weather makes people spend more time indoors and more time spent indoors naturally increases the instance of home fires. ..
When the weather is freezing cold, the pipes in your home face the very real danger of freezing. The #1 homeowner claim we see is property damage that has been created by a burst pipe. The losses can be devastating, even a small crack can create a sizable amount of damage. Water is your home’s ..
To say it has been cold is an understatement. With temperatures falling below 32 degrees for the last week of December and looking to remain there the entire first week of January, it’s been the kind of weather that urges us to stay inside with a hot cup of coffee. Looking ahead to the forecast ..
New Year’s Eve is this weekend and since many celebrations involve alcohol we thought it important to remind our readers that drunk driving is never worth the risk. According to the CDC: 48% of driving deaths on New Year’s Eve are alcohol related. Despite the Dangers, Adults Still Drink & Drive According to ..
In an effort to continue to educate each client we serve, we thought it was important to remind everyone about the rules in NY State when it comes to adding or removing a car from your insurance. Removing a Car from your ..
Another year is coming to an end and as your thoughts shift toward celebrating the holidays, winding down the year and making plans for 2018 to be a year filled with success, we wanted to share this… The more your insurance agent knows about their clients, the better they can serve you. At Advocate Brokerage ..
Winter Solstice is coming up on December 21st and we want to be sure your home and your car are prepared to brave the elements. Below is a check-list of things you should consider taking care of before things get too chilly outside. At Home To Take Care Of Potential Water Woes – Have You: ..
Buckle your seatbelts, it’s about to get a bumpy. The holiday season is upon us and for most of us it’s the busiest time of year. It’s easy to get caught up in the hustle and bustle and over look some of the common hazards that can dampen your holiday spirit. Let this blog serve ..
When it comes to running a business you need a balance of surety and moxie. You need to take some risks to share your message with the world while at the same time protecting your business from the potential risks that can stall growth in its tracks. We can help you be sure that your ..
In a world where you hear at least once a day how you can save up to 15% on your car insurance, you may find yourself wondering… Are my auto insurance premiums too high? The cost of personal auto insurance is on the rise industry wide and we know there are many who are concerned ..
There is nothing quite like the stress of seeing blue and red lights flashing in your rear view mirror. Being pulled over is certainly no picnic and unfortunately the fun usually doesn’t stop there. Unless you are lucky enough to be a let off with a warning it is often once you have a ticket ..
Every October, the National Fire Protection Association launches a campaign in an effort to bring fire prevention into the spotlight. Each year NFPA chooses a specific theme and this year is no different. While the last two years have focused on the importance of smoke detectors this year they are tackling a new topic to ..
Image Source Generators are a key part in storm preparation for many people. Whether you already own one or are thinking of purchasing one, we think it is important to share a few of our thoughts about them. First, it is important that you check your generator prior to a ..
Making Sense of Flood Insurance Since late August our country has been dealing with the very real devastation of not one but two hurricanes. With Hurricane Harvey, homes in Houston, never before affected by floods, were devastated leaving people with thousands of dollars of damage and no protection from insurance. Hurricane Irma virtually ..
On Friday we hinted that Hurricane Jose could become a storm to worry about, well so far it has remained offshore but it is still a storm to keep an eye on. While it may not make landfall, the storm could produce heavy rains and the coastal flooding and the tropical storm-force winds that often ..
This week over 143 million people were affected by a data breach at Equifax. If you have not already, it is important to find out if you have been affected. How? Head to the Equifax Trusted ID Website and find out. Here is the link: https://trustedidpremier.com/eligibility/eligibility.html What to do if you’ve been affected So you ..
In June we wrote a blog that is important for all parents with teens who are approaching 18 or have already turned 18. The blog was written specifically with parents of graduating seniors in mind but it is so important we felt we should address it once again. If you are the parent of a ..
No one wants to risk their insurance being cancelled or a late fee being billed to their account. To that end, we would like to advocate for EFT payments….and how in the long run they actually are a better option to mailing in a check. It’s Safe Making an Electronic Funds Transfer (EFT) is ..
While summer continues for many of us, across the country college kids are packing up, leaving home and heading back to school. College is an awesome time in your child’s life, leaving you filled with an odd mix of excitement and fear. We’ve been offering tips online for parents with kids heading out to ..
With warm weather, summer hours and no school, it is no wonder that summer is the busiest boating time of year. At Advocate Brokerage, our goal is to help you to protect your interests wherever you are. At home, far from home or ..
Travel is all about exploration and adventure! Even if you are traveling for business, getting on a plane and heading abroad is exciting. Unfortunately the world we live in is not always safe and there are certain regions of the world where being kidnapped and held for ransom are a reality, not merely the plot ..
By: Denise Koslowsky There was a recent story that made the rounds on Facebook about a child who was injured at an Indoor Trampoline Park. The mom wrote the post and asked her friends and family to share it so that everyone would be aware of the risks these places present. After reading the post, ..
Summer just screams vacation doesn’t it? July and August by far are the most popular months chosen by Americans get away and relax. Advocate Brokerage wants to help our clients maximize their vacation fun by helping to minimize their vacation stress. Below are a few thoughts on the subject… Plan What fun it is to ..
High School Graduation is another huge milestone in the life of your teen. Your child is joyfully celebrating years of hard work; the exams they’ve taken the extracurricular activities they poured their hearts into and the relationships they’ve built. You are fighting back tears of joy and wondering where all the years have gone. And ..
Technology is progressing every day in an attempt to make our lives easier, faster and safer. As it makes its way into every aspect of our lives there is sometimes a trade-off that come with progress. One of those trade-offs occurs in the automotive industry. Today’s luxury cars are basically computers on wheels and ..
It’s prom week and as we help make preparations for this exciting night, we often find ourselves looking back on how much our kids have grown. We find ourselves thinking about all of their accomplishments and the things that lie ahead. Prom is epic; it’s a big milestone in the life of your teen as ..
Each February, Americans spend billions of dollars on jewelry. It would seem that our favorite way to show our love is by giving glittery gems, and this year was no exception, 1 out of every 5 Valentine’s Day gifts were jewelry. Unfortunately these prized possessions are also items that thieves love to take. In ..
We were saddened to hear of the Queen’s house fire at the end of April that claimed the lives of 5 young people. The fast moving fire was said to be reported by a driver passing the home. Although firefighters responded quickly, within 4 minutes of receiving the call, they were unable to save the ..
April is Distracted Driving Month and all of us here at Advocate Brokerage are fully on board with the National Safety Council’s JUST DRIVE campaign. Traffic accidents are quickly on the rise and distracted driving is a key reason why. According to the National Highway Traffic Safety Administration in 2015 alone 3,477 lives ended ..
Back in January we posted a blog about how cold weather increases the likelihood of home fires. Unfortunately, this weekend during the big drop in temperature, a home on Scarsdale’s Black Birch Lane experienced a fire during the wee hours of the morning. On Sunday, both Jeff Koslowsky & Glenn Binday were called to the ..
If you or someone you love has a passion for jewelry, then Valentine’s Day is the perfect day to give an awesome gift. We hope you find the following information helpful when it comes to protecting coverage for your Treasured Belongings. Beware of Gaps A homeowner’s policy will offer very limited coverage for personal ..
By Denise Koslowsky Water is your home’s #1 enemy. It flows wherever it wants to flow leaving thousands of dollars of damage in its wake. In fact, water is 10 times more likely to result in a home insurance claim than fire. The losses created by a burst pipe are devastating but even a small ..
Advocate Brokerage enthusiastically supports the Greyston Foundation. The vision of America that they celebrate daily is so beautiful we feel it is important to share. Statement from Mike Brady President & CEO January 2017 On Inclusion – Are we to be a more inclusive or more exclusive society? From Boston Harbor to the Statue ..
Cold weather increases the likelihood of home fires. When it is cold outside people tend to spend more time inside and that means the instance of home fires increases. There are more than 360,000 home structure fires each year which equates to between $6 – 8 billion dollars in damage. What can you do to ..
2016 has come to an end and as we shift our focus to planning for 2017 we had an important thought we wanted to share… The more we know about our clients, the better we can do our job. Advocate Brokerage has always taken pride in the relationships we have established with our customers. However, ..
Last week we shared an article discussing toys that are dangerous for kids, so this week we thought we would focus on dangers another beloved family member could face during the holiday season. We know you love your pets (we do too) so we wanted to offer some information that could help you keep ..
Advocate Brokerage Adds Client Service Specialist to Create Concierge Services for Clients SCARSDALE, NY – Penny Smith joins Advocate Brokerage in the new role of Client Service Specialist. Mrs. Smith began her work with Advocate in September and will be focusing on providing concierge services that ensure clients are aware and satisfied with the services ..
Gift giving abounds at this time of year and Grandparents, Aunts, Uncles as well as Mom & Dad are searching for gifts that bring joy to the faces of the kids they love. Unfortunately that perfect toy you just brought home might pose a potential danger. Our friends at Property Casualty 360 have put out ..
A secondary home that provides a place for your family to get away is often a dream come true. Unfortunately, because a home that you don’t live in year round is more vulnerable than your primary residence, that dream home can incur substantial damage. While both fire and water pose a threat to your ..
By Denise Koslowsky Last month I had the pleasure of taking part in the PRMA – that is Private Risk Management Association – Summit. As a founding member, this is the third summit in which I have participated and the third year I have been asked to lead a round table discussion. This year’s Summit ..
Advocate Brokerage Principals Repeat as Five Star Award Winners. Westchester, NY – Denise Koslowsky and Roz Binday, principals at Advocate Brokerage have again been honored with the Five Star Award by Five Star Professional. They received the Westchester Five Star Home/Auto Insurance Professional award for providing the highest in service and overall satisfaction again in ..
Details are still unfolding about the large Scarsdale house fire that occurred this weekend. Reports have suggested that the fire posed more of a threat due to the amount of clutter found in the home. We wanted to take the opportunity to list a few of the ways it can make a bad situation worse: ..
Even with that dip in temperature a few weeks ago the weather has been on the mild side. We want your home and auto to be prepared when winter finally decides to stick around for a while. Below are a few important tips for making your home and car winter ready so that ..
Denise Koslowsky named a Certified Advisor of Personal Insurance by Wharton and Chubb Scarsdale, NY —Denise Koslowsky of Advocate Brokerage in Scarsdale has been awarded a Certified Advisor of Personal Insurance (CAPI) designation from the Aresty Institute of Executive Education at the Wharton School of the University of Pennsylvania and Chubb. Ms. Koslowsky is ..
For our client’s who like to drive really nice cars, it should come as no surprise that we often recommend one of our elite carriers as the insurer of choice. Many policyholders assume all auto carriers are equal and as a result, they are unwilling to pay for a more expensive auto policy. While we ..
If you have teenagers in your home, you may view Halloween as a time of year to get through as opposed to a night to enjoy. Teens want to have fun with their friends and on Halloween especially, they can get into all sorts of mischief! From acts of vandalism to distracted driving to fun ..
For some Halloween is a night for perfect for having fun with friends. For others it is a fright filled night that opens up your family and your property to risks. Insurance claims increase around this time of year so we thought we would cover some of the types of claims we often see and ..
Each October the National Fire Protection Association sets aside the month to promote fire safety. In a blog earlier this week we’ve talked about preventing fires at home and the importance of Smoke Detectors. In today’s blog we have decided to focus on businesses and the things they can do to keep their employees and ..
Each October the National Fire Protection Association sets aside the month to promote fire safety. This year’s theme once again focuses on Smoke Detectors. 40% of fire deaths occur in homes with no smoke detectors! That alarming statistic is a key reason that for the past 3 years the NFPA has focused their theme ..
With parts of Florida, Georgia & South Carolina under evacuation orders, we thought we would offer you check list of things to pack as you head out on the road. Water Non-perishable foods (canned goods, trail mix, peanut butter, crackers) Can opener Disposable silverware, paper towels First Aid Kit (bandages, pain relievers, tweezers, antibiotic ointment) ..
With Hurricane Matthew heading toward the East Coast, Advocate Brokerage wants to offer the following tips to help you prepare as much as possible and recover as quickly as possible. First and foremost, safety first! If you have been asked to evacuate, please do! Do not attempt to ride out this storm; it is looking ..
When the threat of a Hurricane is imminent, there tends to be an intense focus on protecting personal property, rightfully so. However, business owners understand the need to protect their livelihood. Losses that businesses incur during a hurricane can be crippling to a business. With Hurricane Matthew heading toward the East Coast, we offer the ..
By Roz Binday I’m not an alarmist and don’t buy into dooms day scenarios but I do believe in keeping my eyes open, being prepared and protecting the things I’ve worked hard to obtain. So, when I saw an article in the Washington Post about rising sea levels, followed by a study from Zillow, I ..
By Denise Koslowsky Advocate Brokerage has been specializing in the needs of affluent individuals for as long as I can remember. A preponderance of our clients live in beautiful homes and drive luxury cars. To be clear, the staff at Advocate Brokerage is not snobbish, and our clients span the socio-economic spectrum from post graduates ..
We’ve focused quite a bit in recent months talking about teen driving. While young drivers provide quite a few talking points, with the end of summer and Labor Day celebrations around the corner we thought we would talk directly to our adult readers/drivers about driving under the influence of alcohol. According to MADD: Every ..
Sadly, summer is over and it is time for Back to School & Back to Routine. This means more cars and teens on the road each and every day. Advocate loves teens and wants to do all we can to keep them safe, so we have put together some tips for teens while behind ..
Since 2012, when states throughout the US began to legalize the use of Marijuana, the insurance industry has been monitoring the potential added risks the new laws could bring. For Businesses The use of marijuana while on the job can have a negative effect on your insurance premiums and policies. If your employees come to ..
Since 2012, when states throughout the US began to legalize the use of Marijuana, the insurance industry has been monitoring the potential added risks the new laws could bring. For those on the road One big issue is that there is no breathalyzer test to show a driver is under the influence of marijuana. In ..
Recent summer storms have showered a deluge of rain across our area. We’ve seen flooding in New Jersey and I would guess that few of us were surprised. The prevailing feeling still exists, flooding happens in coastal areas…not here. The truth is this: floods can happen anywhere. Now add to that truth with the fact ..
Wine. It’s true, it improves with age so for those of us who love to drink a glass or two, it can be a fun think to collect. Whether you amass a collection for your own enjoyment or as an investment, there are things you should consider to keep your wine at its best in ..
We’ve seen a ton of articles lately about teens driving during the summer months. We’ve shared several on our social media spaces because as parents, we want our kids to have a fun, safe summer. Also, as your insurance Advocate, we want to give you as much information as possible so that you can educate ..
Summer is peak vacation time. The beach beckons, your home in the hills awaits, exotic locations are calling you…and you’re off. Before you head out, we’ve got a few things for you to think about so that your time away is as stress free as you imagine. Expect the unexpected…will you be covered? No one ..
Happy Birthday America! As Americans gather together to celebrate our country’s birthday, Advocate Brokerage is here to offer you some tips to help you enjoy your 4th of July celebration and keep you claim free! The top claims we see during this time of year include: Firework Related Injuries In the month surrounding July 4th, ..
It’s summer! Peak vacation time is here and with the growing trend of homeowners renting out their homes, we thought we would add our thoughts on the subject (with a little help from our friends at Chubb). To rent out your vacation home or not to rent out your vacation home… That is certainly the ..
SCARSDALE, NY – Advocate Brokerage has been newly appointed as an Independent Agent with NatGen Premier, a newly formed division of National General Insurance. National General Insurance has recently begun to offer NatGen Premier. Offering cutting-edge technology and a dedicated team of specialists providing white glove service, NatGen Premier offers premium insurance solutions to the affluent ..
SCARSDALE, NY – Advocate Brokerage has been newly appointed with The Cincinnati Insurance Company as an Independent Agent. The Cincinnati Insurance Company’s belief in the importance of the local independent agency system makes them an ideal partner for Advocate Brokerage Corp. Both firms believe that for customers to have a positive experience when purchasing insurance, ..
June 1st marks the official start of Hurricane Season and the predictions of what type of season lies ahead of us have recently been released. The season, which runs through November 30th, can produce market fluctuations, put a damper on travel plans, and add worry to millions of homeowners up and down the east coast. ..
The school year is winding down and prom is just around the corner. Prom is an exciting night in a teen’s life. Students around the country look forward to getting dressed to the nines and have a fun time with their friends. As parents, we want our kids to enjoy themselves, but we also want ..
Once again Roz Binday has written an informative blog to share her thoughts on an often asked insurance question….Are acts of God covered by my policy? Are Acts of God Covered? By Roz Binday Your Home Insurance Policy People often believe that acts of God are not covered by insurance. While floods and earthquakes are ..
We talked about flood insurance at the beginning of the month but since it is a topic we find so important, we are going to talk about it once more! For this week’s blog Roz Binday wanted to share her thoughts. 100-YEAR FLOODS DON’T NECESSARILY TAKE 100 YEARS TO RECUR By Roz Binday Some say ..
We’ve had some cold days this spring but when the weather clears and the sun is shining, we get a glimpse of the summer that lies ahead! Recreational boating is a big sport here in the US; in fact over 88 million adults enjoy time out on a boat each and every year. We want ..
This year Passover begins on Friday April 22nd and runs through Saturday April 30th. The most celebrated and beloved of the Jewish Holidays, Passover, like most holidays, seems to center around the table. We love our traditions as much as anyone…recipes handed down through the generations but we thought it might be fun to explore ..
We’re proud to be a part of this great charity! Check out Backyard Sports Cares’ press release about their successful event. ANNUAL FUNDRAISER A SUCESS! Backyard Sports Cares Annual 3-on-3 Adult Basketball Tournament Raises Over $45K White Plains, NY – April 18, 2016 – Backyards Sports Cares (BYSC), a Westchester-based non-profit (501c3) that provides team ..
SCARSDALE, NY – Advocate Brokerage and Denise Koslowsky have once again received top honors from Chubb. For the 14th year in a row, Advocate Brokerage has been named among the insurance industry’s elite by the Chubb Personal Risk Services. Chubb gave Advocate Brokerage a Cornerstone Elite Agency Designation, an honor shared by fewer than 10 ..
Spring is here and that means we are ushering in the rainy season. While our weather this year has been anything but typical, we still thought April is a good time to talk about floods. The belief that flooding only occurs only in coastal areas is a myth that can no longer be believed. There ..
We were inspired (if not a bit frightened) by a recent New York Times Article about teenage drivers. So inspired in fact, that we have decided to dedicate our next blog to the topic! So if you are living with teenagers, we would encourage you to take some time to review the information below and ..
Life is better with a dog Advocate Brokerage LOVES our furry friends. Dogs are loyal companions, best friends and members of our family. However from time to time questions arise regarding a dog bites. The most common being; Does my current policy cover my dog? Well, we’ve got some good news for you! Advocate Brokerage ..
We’ve already shared a list of the least expensive 2016 model cars to insure according to Insure.com. Our blog also included a list of things that go into making up your insurance premium, touching on the factors of the vehicle itself as well as personal information and the demographics regarding where you live. In case ..
Insure.com has once again released their list of the 2016 model cars that are the LEAST EXPENSIVE to insure. While this blog will recap the cars that made the list this year, we wanted to give you some insight into the factors that go into determining the cost of insurance. If you have ever been ..
Advocate Brokerage loves the relationship we have with our business partners. We know how important it is to provide our customers with coverage that fits their needs and provides superior customer service. Every once in a while we receive confirmation that we are not the only ones who appreciate just how great our business partners ..
Advocate Brokerage has always taken pride in our business partners. We know how important it is to provide our customers with coverage that not only fits their needs but also provides superior customer service. Advocate has built strong relationships with each of the carriers we partner with and do our best to advocate on behalf ..
It’s February, the month of love, gifts and jewelry. We have already posted a blog answering the question: Do I have the right coverage for my jewelry collection? But because Advocate Brokerage is determined to provide the type of coverage that allows our customers to live, and let us take care of the details, we ..
For many, February is all about romance and that equals gifts in the form of jewelry! The jewelry industry is booming during the month of February with sales over $3.5 Billion. For Advocate Brokerage, February often brings up the question: Do I have the right coverage for my jewelry? On the blog this week, we ..
Think of Advocate Brokerage as more than your insurance broker (if you haven’t already), start to think of us as your trusted advisor who truly tries to understand your need, educate you on your risks and work on your behalf to ensure you are covered. Today we want to address Umbrella Insurance and why we ..
Winter Storm Update! Useful tips to keep you safe. As you all know by now, winter storm Jonas is blanketing the eastern portion of the United States. Although forecasts vary, our area could see significant amounts of snow. As your Advocate, we want you to know that we are here for you and would ..
If you had the opportunity to provide a camp experience to an inner city teen that would make such an impact that they refer to it as “The most important two weeks of your life”, would you do it? We have decided to set aside this week’s blog to talk about a non-profit organization near ..
There are risks in any industry. One of the industries that face a large amount of risk is the hospitality industry. Managing these risks is crucial to making sure your hospitality based business will run smoothly. This blog lists some of the major risks facing the hospitality industry and some Advocate Tips on how ..
2015 is coming to an end; a new year is on the horizon. For many, this time of year leads to reflection and a long list of New Year’s Resolutions. We would like to encourage you to add an Insurance Review to your resolution list. Life moves at a fast pace and many things happen ..
This holiday season one of the hottest gifts is Drones. Newsweek.com, Wired.com, and Marketwatch.com are all featuring articles about drones and how they are the hot gift this holiday season. Advocate Brokerage would like to help you prepare for all that comes with owning a drone. From FAA regulations, to safety guidelines to insurance and liability issues, ..
SCARSDALE, NY – Elizann Arizmendi, Personal Lines Marketing Manager at Advocate Brokerage, is one of 193 professionals to complete the first segment of Private Risk Management Association’s (PRMA), Chartered Private Risk and Insurance Advisor (CPRIA) Certification. The CPRIA Certification is composed of six segments; the inaugural segment titled “The Fundamentals of Personal Risk Management”. The CPRIA Certification ..
The holiday season is here and current mild temperatures withstanding, winter will be approaching….soon. Advocate Brokerage would like to make sure you are ready to hit the road this holiday season, prepared for whatever the weather or other potentially hazardous driving conditions may come your way! 23% of all fatal crashes are weather related When ..
The holiday season is underway and bringing with it tons of celebrations on the calendar, a list of gifts to purchase and the anticipation of gifts you have yet to receive. As you plan your wardrobe for the upcoming celebrations, there may be special pieces of jewelry in your collection that will add some sparkle ..
With the temperature dipping and winter approaching, it’s only a matter of time before you walk outside to snow and ice! December is here and winter is coming so we wanted to share Advocate’s top tips for getting your home and vehicle ready for the cold winter months! For your Home Have your furnace inspected ..
Like you, I often hear in the news about the destruction caused by wildfires, hurricanes, and other natural disasters. Certainly, their threat to life and limb deserves the utmost attention. But they are second-rate players when it comes to property damage to high value homes. The real villain is waiting quietly in the pipes running ..
Thanksgiving is all about family and food. Since many of you will be on the road or in the kitchen over the next few days, we’ve got some tips to keep you safe!
Advocate Brokerage has always felt that part of being an outstanding local business means that you need to be an active participant in your local community. We are so thankful for all that we have been given so it is only natural for us to give back to those who might be less fortunate than ..
Westchester, NY – Denise Koslowsky and Roz Binday, Principals at Advocate Brokerage have again been honored with the Five Star Award by Five Star Professional. They received the Westchester Five Star Home/Auto Insurance Professional award for providing the highest in service and overall satisfaction again in 2015. This award is given yearly to the elite ..
At Advocate Brokerage, firefighters are a big deal. We have a long history with the Volunteer Fire Companies of Scarsdale and were thrilled to sponsor the Salute page for their Centennial Anniversary Celebration. Two members of our executive team, Principal Glenn Binday and CFO Jeff Koslowsky have served as Volunteer Fire Fighters since 2002 and ..
This year Halloween falls on a Saturday. With pleasant weather in the forecast it is shaping up to be a fun filled night for the little kids and teens in your life, but has the risk of a horror for you and your home. We’ve compiled a list of things you can do to set ..
You pick up your mail one day and see a bill from an out of state hospital. It is in your name and is charging you for medical procedures that you never had. Confused, you call the hospital and they explain, you were in on a specific date and had surgery. They request that you ..
Anyone is susceptible to identity theft but, there is one group in particular that is a frequent target: Senior Citizens. Every year, over 35% of identity theft claims come from those age 50 and over. Even worse, 11% of those over 65 have had their financial information stolen. Why target seniors? Seniors are often targets ..
Prepping for hurricane season is more than just getting your prep kit together and making sure your family and home are safe when the storm hits. Before all of this happens, there’s one important detail we don’t want you to forget: your insurance. Here are a few pre-storm tips on what you should do insurance-wise ..
Often times when we think of hurricanes, we first worry about the safety of our family and our home. But for business owners, there is a worry that follows those: what about my business? It is essential to prep your business just as you would your home in the event of an oncoming hurricane. Here ..
In the event of a serious storm, protecting your family is essential. The best way to make sure if this is to prepare your home ahead of time. When your home is protected, these storms may not seem so bad after all. Here are some tips on how you can prepare your home for a ..
The best way to be prepared just in case; is to put together a resource kit for you and your family. While most storms don’t cause massive damage, you’ll be prepared in the event that one does. Below is Advocate’s comprehensive list of items to have on hand Just in Case a major storm comes ..
As the end of summer fades and our fun filled Labor Day weekend becomes a memory, we move deeper into storm season. Some storms are minor and blow over quick, but others can be devastating. We want you to be prepared in the event of a severe storm, so here are some tips on how ..
The last thing you want to see when you look up is a leak in your ceiling. Water in your home is never a good sign. Here are some tips to diagnose the problem and how you can prevent future problems from occurring. Diagnosing the problem: Is it the roof leaking? First step to diagnosing ..
“I had to do something” I think we can all remember where we were and what we were doing on 9/11/2001. That tragic day in our not so distant past when 2 planes crashed into the Twin Towers of the World Trade Center and the country watched in stunned silence. I know for me it ..
It is hard to imagine a better legacy than passing a thriving family business on to the next generation. Unfortunately there are often stumbling blocks such as: insufficient preparation, sibling and inter-generational rivalries, incompatible ideas and/or visions. Add in the personal emotions that exist more in family settings and you can end up with ..
There’s often a large emphasis placed on rules of the road and how to drive when a new driver gets behind the wheel (as there should be). However, these new drivers aren’t taught one of the most important things about being behind the wheel: what to do in the event of an accident. Hey, ..
Summer should be a fun time of year, but the fun can end very quickly on a rainy day if you don’t adjust your driving. Road conditions are greatly changed during a rain storm, and can make driving much more difficult. What Makes Rainy Driving More Dangerous? There are many factors that can create ..
They have begun to pack, they’ve purchased accessories to decorate their dorm room and they’re ready to set off on a new journey. As with any new stage in life there are insurance considerations and sending a child off to school is no different. Today we are going to be discussing car insurance and offer ..
Vacation homes are a great investment. Whether you use it for the occasional weekend getaway or for a summer away from home, knowing you have a second home in a location you love is a wonderful feeling. Vacation homes do however carry some risk, especially since they remain unoccupied for extended periods of time. Below ..
We can make buying insurance a pleasurable experience. We can sit down with you, listen to you, find out what types of coverage you need and then customize a policy to protect your assets. That philosophy was present from the beginning of Advocate Brokerage and while the business has grown, the thought process on which ..
View image | gettyimages.com Temperatures over the weekend soared and followed us into our workweek. Excessive heat can be dangerous. Illness is possible, even deadly. The American Red Cross offers steps people can take to stay safe when temperatures rise. We encourage you to read through the tips below and apply them, especially for people ..
View image | gettyimages.com Automotive technologies have made our lives on the road so much easier. Between the hands-free systems for our cell phones to blind spot monitors, to voice guided GPS systems, there is no doubt that these innovations have made our driving experience more convenient not to mention safer. Even with all those ..
4th of July is one of the most fun summer days. Between the warm weather, the barbeques, and the fireworks, what more could you ask for? Not to be a kill joy, but this fun-filled day can easily take a turn for the worst if you aren’t prepared. Here are a few hot topics relating ..
SCARSDALE, NY – Lynn Palma, an Account Manager at Advocate Brokerage has been appointed to the Hanover Insurance Group’s advisory council. Mrs. Palma was selected as one of only 20 independent agents and brokers from the tri-state area. Lynn Palma has been a part of the Advocate Brokerage Family for 15 years. Her daily ..
High School graduation is one of the moments every child and parent will remember for the rest of their lives. There is so much emotion connected with this event, it is the end one chapter and the beginning of another. It makes sense that the gift you give your child will be meaningful! Here are ..
I cannot think of any need in childhood as strong as the need for a father’s protection. – Sigmund Freud Father’s Day is Sunday and I would like to spend a moment to talk about the Advocate dads, specifically my father Ronald Binday, my brother Glenn Binday, my husband Jeffrey Koslowsky, Advocate’s Business Development Manager, Craig ..
Team Advocate was out in full force on June 2nd for the 2015 Steve’s Camp at Horizon Farms Gala, An Evening on the Hudson at The Lighthouse at Chelsea Piers. Advocate Brokerage has a long history with Steve’s Camp at Horizon Farms. We are proud to be Corporate Sponsors for Steve’s Camp and have principals ..
Everyone wants their wedding day to unfold just like they have been planning. A day when everything seems to click and nothing goes wrong. Unfortunately we live in a world that is not perfect and life happens: Venues Go Out of Business Things Get Broken Storms Roll In People Get Sick Luggage Gets Lost Wedding ..
We’re proud to be a part of PRMA! Denise co-facilitated a Roundtable for agency owners to celebrate its one year anniversary. Check out the press release below for more information. LAS VEGAS, Nevada – The Private Risk Management Association (PRMA), a member-owned, not-for-profit association committed to the advancement and growth of the high net worth ..
With Scarsdale High School Prom coming up next week, we felt it important to address some of the insurance concerns surrounding this special night. While we all want our kids to have a memorable night, I think we can all agree that safety comes first. Today’s blog will address the risks often associated with the ..
Memorial Day is upon us and as it is often looked at as the unofficial first day of summer we felt it was important to talk about your summer insurance needs. We want to make sure your summer is as carefree as possible. Today’s blog will address insurance for boats, collector cars and rental cars ..
By Denise Koslowsky, Founding Member, PRMA and Principal, Advocate Brokerage Corp. From the beginning, Advocate Brokerage has specialized in providing insurance for the High Net Worth Market. It is a niche that we felt needed specialized attention and we were delighted to step in and fill the gap. I thought it would be nice to ..
Advocate Brokerage has once again been recognized as a PURE Paragon agency, making them the only agency in Westchester County to receive the honor for two consecutive years. The PURE Paragon honor identifies those independent brokers that have earned PURE’s Model Broker Designation. In fact, this year’s elite group includes only 11 agencies nationwide. “We ..
Thanks Mom! Sunday is Mother’s Day and I want to take a moment again this year to pay tribute to my mom and my business partner, the Founder and President of Advocate Brokerage, Rosalyn Binday. My mom got her insurance license while she was pregnant with me, and killed herself over the years to turn ..
Advocate Brokerage and Denise Koslowsky for the 13th year in a row have been named among the insurance industry’s elite by the Chubb Group of Insurance Companies. Chubb named Advocate Brokerage a Cornerstone Elite Agency, an honor shared by fewer than 10 percent of the 8,500 independent agents and brokers who work with Chubb. Denise ..
Last week’s blog was a very practical list of the least expensive 2015 model cars to insure according to Insure.com. This week’s blog of the most expensive cars to insure may not be as sensible but it sure will be fun! These cars have power, they are expensive and they are fun to drive! ..
Insure.com just released their list of the 2015 model cars that are the LEAST EXPENSIVE cars to insure, and the common thread? They are family friendly. There is one two-seater, but aside from that the list is made up of 5 SUVs (2 regular, 3 compact), 2 Mini-Vans and 1 Wagon. Why they are inexpensive ..
One in four people living in the US operate some type of home based business. Add in telecommuters and you have a large percentage of the population who may have gaps in their current insurance coverage! Today we would like to talk about home based businesses and how relying on your homeowner’s policy to provide ..
If you are a safe driver, you’ll save money. That is the message you hear when the major automobile insurance companies advertise their use of the Usage Based Insurance devices. If you install our telematic device and let us monitor your driving, you too can save money on your insurance. Today, over 2 million people ..
You hear a lot about flooding and flood insurance yet even with all the noise, it’s still easy to think, “I don’t live in a flood zone, it can’t happen to me.” But the truth is, it can. Floods can happen anywhere. They are not planned. In fact there isn’t a state in the ..
When your teenager gets their driver’s license, they are EXCITED and you are ________________________________. Choose your answer from below: A. Excited for them, now you won’t have to schlep them around everywhere. B. Proud, they are growing up so fast. C. Worried, you know they passed their test but sometimes you don’t feel comfortable ..
With visions of H&R Block commercials ringing in our ears, we thought we would share some ideas on smart ways to spend your tax refund dollars. While there are certainly many things you can choose to do with your refund from taking a vacation to saving for a rainy day, we thought we would ..
Today is Employee Appreciation Day and we would be remiss if we let it pass without paying tribute to Team Advocate. The hard working folks who make it possible for us to do what we do on a daily basis! We give a Standing Ovation to our long time employees with 15+ years of service ..
Snow, we’ve definitely got snow and plenty of it. With the record breaking temperatures we’ve been experiencing, the snow we have is sticking around. It just hasn’t been warm enough for it to melt, which is both good and bad. Un-melted snow brings with it two issues, aside from it being just plain unsightly: the ..
Advocate Brokerage’s own Denise Koslowsky was invited to share her expertise and experience in small business with Jim Blasingame, one of the world’s foremost experts on small business and entrepreneurship. The Small Business Advocate® Show is the only weekday radio talk show dedicated to small business. Denise was featured on Thursday’s episode. Click below to listen to ..
Saturday is Valentine’s Day and since approximately 17.3% of you will shop for jewelry, I thought I would share some of my thoughts on how to keep your sparkly gifts (and the rest of your jewelry collection) protected. The first question that usually comes to mind is do you need additional coverage? Although there is ..
Which is a bit silly considering yesterday’s snow storm, but I digress, it is UMBRELLA day so I thought it would be entertaining to tell you more about Umbrella Insurance and why we at Advocate Brokerage think it might be the most important part of your insurance portfolio. I like to call it the “sleep ..
First there was the storm that wasn’t, Juno. Juno was followed closely by Linus, who blanketed our area with a few inches of snow. From the looks of early forecasting, we may get a few more inches headed our way next week. We decided it might be a good time to revisit some past blogs ..
This is the last blog in our resolution series and we are going to focus on getting your insurance policies organized! Reviewing Your Insurance Needs Generally speaking, brokers and insurance carriers go through a renewal process on a yearly basis. At Advocate Brokerage, we stay in touch with our clients, reviewing their policies annually for ..
I resolve to be more organized! As we have mentioned in previous blogs, one of the top resolutions made each year is to be more organized. One area where many people seem to be organizationally challenged is when it comes to having a record of items owned. In fact, according to the National ..
I resolve to be prepared in the event of a winter storm disaster! While this may not fall into the top 5 resolutions we listed last week, it certainly falls in the organization category and is most likely one of the items on your “I’ve been meaning to take care of that!” list. On board ..
Each year thousands of Americans take the time to look at their lives and try to identify things they would like to do differently as we pass from one year into the next. In fact, according to Statistic Brain, 62% of us make New Years Resolutions. What Resolutions are the most common So what are ..
As your advocate, it is our duty to keep you up to date on the important happenings throughout the industry. To that end, we wanted to let you know that ACE, one of our preferred carriers, has acquired Fireman’s Fund, another carrier we have a long standing relationship with. The transition is scheduled for ..
This is it, the week to hit the road and spend some time with friends and family. AAA estimates that some 98 million people are expected to travel in the air and on the roads during this busy week. At the same time, there are weather concerns on the horizon that might make holiday travel ..
Hanukkah brings families together for 8 nights of celebration. As you gather around the menorah, play games and share a meal, team Advocate wants you to be sure you are playing safe. Hanukkah & Fire Safety Plenty of house fires have occurred during Hanukkah celebrations and the traditions that surround them. The Fire and Rescue ..
Christmas time usually means decorations galore with a Christmas tree as the focus. Team Advocate wants your holiday celebration to be filled with beauty and cheer but we also want you and yours to be safe! So we bring you tips on keeping everyone safe during the Christmas Season. Christmas Trees & Fire Safety Every ..
There is no doubt that as snow begins to fall, our homes look beautiful blanketed in snow. Once the icicles begin to form, we will often stop to admire their beauty. Unfortunately, sometimes beauty is the enemy and can cause damage to your home. An ice dam formed on the edge of your roof can ..
The plight of women in Russia and the former Soviet Union states was on the minds of Rosalyn and Ronald Binday, founders and principals of Advocate Brokerage in Scarsdale, as they traveled to New York City on Sunday, Nov. 23 to help commemorate the creation 25 years ago of Project Kesher, which seeks to transform ..
The biggest shopping day of the year happens this week! Over 308 million shoppers will be out and about the day after Thanksgiving (some shoppers will even venture out on Thanksgiving Day) to take part in this holiday tradition and take advantage of great deals. While everyone loves to find a bargain, it is important ..
While most commonly thought of in terms of financial aid for education, scholarships come in all shapes and sizes. We want to help raise the awareness of the need for scholarships simply because they help people realize their dreams! Giving back is a central theme in our philosophy and as such, Team Advocate donates ..
We often take for granted the very things that most deserve our gratitude. Cynthia Ozick Veterans Day is the day the nation has set aside to honor those who have served in the US Military. Banks, schools, libraries & the US postal service are closed in observance of this special day. Many look forward to ..
According to Travelers, the most common cause of property damage comes as a result of a storm. Either wind, hail or water damage coming from rain or snow that has gotten inside causes more claims than any other for home insurance customers. It makes sense to do what you can to prep your home for winter ..
Providing the very best customer service possible is the single most important thing to Advocate Brokerage Corp. We believe in investing personalized attention in each one of our clients. In an effort to continue our high standards of service, we are pleased to announce an expansion within our Personal Lines Department. Denise Koslowsky, Principal at ..
The team of professionals that make up Advocate Brokerage Corp seem to understand on a deeper level how important people are in the insurance equation. With the goal of becoming their client’s true Advocate for every insurance need, our talented staff, is dedicated to making sure each customer has the protection they need to protect ..
Most of the time when we talk about fire prevention, we are thinking about our homes. Today we would like to shift the focus and discuss fire prevention for your office! As with anything, proper planning is the key. Below is a check list of fire prevention tips you can apply in your office space. ..
The Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP) is in the process of implementing congressionally mandated reforms so that homeowners will have access to adequate protection at rates they can afford. The good news Let’s start with the good news. FEMA is putting caps on the cost of flood insurance for those ..
Cooler Weather Back to School Fall Sports Scarves & Sweaters Changing Leaves Autumn has arrived. The arrival of fall means many great things but it can also add hazards that you might want to give some extra attention. We’ve highlighted a few below: School Back to school means additional cars and buses on the road. ..
Since 2004, Downtown Scarsdale has played host to the annual collector cars exhibition Scarsdale Concours d’Elegance. You’ll see modern supercars… Bugatti Veyron Ferrari 458 Italia Nissan GT-R35 …eternal classics… Ferrari 275 GTB Jaguar ..
Business owners and the insurance agents who love them, know all too well that much of your time is spent managing risks. For employers who require the operation of a motor vehicle as part of their staff’s job description, the driving habits of your employee is something that needs to be considered. In our last ..
Wondering what to do with yourself this weekend? How about Eat, Drink & Do Good? This Friday, Saturday & Sunday is the Southern Westchester Food & Wine Festival, an event planned to bring the community together through food, wine & beverage sampling…all while helping to raise awareness and funding to fight hunger, obesity & malnutrition. ..
By Denise Koslowsky A happy customer means everything to us. It is why we do what we do. It is why the company was founded. We want to make the business of purchasing insurance easy for our customers. We want to make life situations that are potentially stressful, stress free. We want to educate our ..
The statistics are staggering. According to distraction.gov, engaging in visual-manual subtasks (that is a fancy way of saying using a cell phone) increases the risk of getting into a crash by three times. Furthermore, in the US, at any given daylight moment, approximately 660,000 drivers are using cell phones. It is no wonder that the ..
Does your insurance policies offer full coverage in the event of a mold related claim? The US Environmental Protection Agency named September: National Mold Awareness Month, so we thought it would be a good time to talk about how it can cause significant damage to your home, how mold relates to insurance and finally some ..
#154967351 / gettyimages.com In business, as in life, reputation is everything. In this ever changing digital world we live in, your on-line reputation is fragile and can sustain damage from even a simple off-handed remark. What makes up your digital reputation? Your digital reputation is the image that you present online though all digital means, ..
Understanding the risks (and how to avoid them) of employing household staff. Being an Advocate for Every Insurance Need is something we take seriously around here! We are here to serve the needs of the upwardly mobile. To identify potential risks, provide education on how to avoid those risks and to match the best protection ..
Homes remain unoccupied for a variety of different reasons, notes Trusted Choice, part of Independent Insurance Agents and Brokers of America, Inc. Some of the reasons homes sit unoccupied include: You own more than one residence and divide your time between houses. You are doing extensive renovations on your primary residence. You are traveling for ..
By Ron Binday Devoting time and resources to charities has always been very important to me. I have always thought that we should not just take care of the people that are a part of our day to day lives but that our responsibilities should extend beyond our inner circle. I’ve experienced success in my ..
When it’s Hot Hot Hot Tips on how to keep your valuable art protected Summer is here and has brought the heat and humidity we’ve come to expect along for a ride. For collectors of fine art, summer time could mean trouble for your valuables. “Paintings and other works of art on paper expand and ..
You’ve planned. You’ve packed. Everything is paid for. The flight is confirmed. By morning you’ll have dropped the dog off at the kennel. By evening, your neighbor will pick up the mail and timers will turn on the lights in your home. You’re all set for the perfect vacation. There is nothing to worry about ..
Be sure Proof of Life does not become Real Life. A U.S. oil company engineer working in South America is kidnapped from his car by anti-government guerrillas, who demand a huge ransom for his return. His wife and company turn to an international operative who is experienced negotiating with terrorist kidnappers – and, if necessary, ..
A fire at your home or business can be the most devastating event in your lifetime. Aside from the emotional toll it can have, the cost to families, to companies as well as to the economy as a whole is up, according to the National Fire Protection Association. Cost of fires is up 34% since ..
Long-time Executive Director of Scarsdale § Edgemont Family Counseling Services, Geraldine Greene, was honored on June 19th at the 21st Annual Gourmet Galaxy Benefit at The Fountainhead in New Rochelle. Geraldine has been a driving force at SFCS for the past 35 years, leading its transition into a nationally accredited agency with support programs for ..
Does Your Homeowners Insurance Cover a Business Event? Will you be inviting your clients and business associates to your home for a gathering this summer? If the event includes a business presentation or discussion of a deal, you should think twice about your insurance coverage. Legally –for insurance purposes – a business-related gathering may be ..
There is an old saying that the bigger the boys, the bigger the toys, and for High-Net-Worth Individuals, those big toys can include: exotic cars personal aircraft yachts horses These toys are fun, exciting and beautiful. With a big initial investment, plus additional costs to run, maintain and store these recreational resources, it makes no ..
Denise Koslowsky and Roz Binday of Advocate Brokerage have once again been honored with the Five Star Award by Five Star Professional! This award goes to the elite few mortgage and insurance professionals who score in the top 1% in their area for client satisfaction. They must be independently nominated for the award by area ..
The location is booked, plane tickets bought, reservations secured, and now you are just waiting for your big day! The destination wedding of your dreams is just around the corner. “There is no way I could cancel it now.” Guess what. It happens. A destination wedding is significantly more complex than a traditional wedding. Dealing ..
“My father gave me the greatest gift anyone could give another person, he believed in me.” – Jim Valvano With Father’s Day just around the corner, I would like to take a moment to talk about my father, Ronald Binday. My dad spent years in the insurance industry before joining mom at Advocate Brokerage Corp. ..
It’s June, the school year is winding down and for many it means there is a teenager under their roof who is done with school forever….well High School anyway! It is graduation time and that means it is time to celebrate! While we are in full support of throwing a fabulous party to commemorate ..
Sunday June 1 is the official start of Hurricane Season! Are you ready to meet: Bertha, Dolly, Kyle, Laura, Vicky & all their friends? This week is National Hurricane Preparedness Week. A time for us to take precautions to make sure our homes and businesses are ready to weather the storms. With the major storms ..
You’ve dreamed. You’ve planned. You have given all you can to turn your dream wedding into a reality. But what happens when the day isn’t turning out like you envisioned? What if events beyond your control threaten to interfere with your special day? Consider wedding insurance to provide extra protection and peace of mind. With ..
Prom. The word can either bring to mind images of fond memories or severe anxiety depending upon your current stage of life. If you are the parent of a teenager, you may find yourself feeling a mix of excitement and nostalgia with a pinch of nerves. For all the wonderful things this rite of passage ..
Rain It makes the flowers grow leaving behind a beautiful blanket of colorful flowers. It can also leave behind leaky roofs and flooded basements. We are in the midst of spring’s rainy season but once we round the corner and begin heading toward summer, the threat doesn’t end, hurricane season is there waiting for us ..
“Motherhood: All love begins and ends there.” Robert Browning In two days we will celebrate Mother’s Day but I’d like to begin my celebration just a few days early by paying tribute to the Mother of our company, my mother, Rosalyn Binday. My mom founded Advocate Brokerage Corp when I was a child for a ..
Mother’s Day and the shopping season that precedes it, is a BIG day for retailers. In fact, it is 2nd only to Christmas. The statistics show that we love our moms and wives and that we take advantage of this special day to let her know just how we feel! What are we doing to ..
Whether you’re buying you first automobile, giving a car to as a graduation or Sweet 16 gift or just want a simple car that is cheap to run, paying attention to potential insurance premiums can save you money. When it comes to insurance costs…. all cars are not equal. Kelley Blue Book annually lists the ..
The Junior League of Central Westchester’s mission to improve the local community garnered huge support during their Glitz & Glamour Spring Fundraiser. The JLCW’s well attended event was co-sponsored by Pepe Infiniti and 42 The Restaurant. Held at Pepe Infiniti in White Plains, the event featured a cocktail hour with hors d’oeuvres provided by Nikos ..
Now that the weather has warmed up, the time has come to get our homes ready for the spring season and all the celebrations that spring brings. When you think about getting your home spring ready, what often comes to mind is the standard scour everything spring cleaning. While that is important, we would like ..
“The best way to demonstrate gratitude to our town is to serve it.” Advocate Brokerage agrees with the sentiments of David Raizen, The Scarsdale Bowl’s youngest ever recipient. He was honored for outstanding volunteerism by The Scarsdale Foundation
Are you planning a remodeling project or addition for your home this year? Construction season is upon us, and it’s important to have the right insurance coverage. The Insurance Information Institute says if you’re hiring someone to do the work, be sure that the house, the contractor and the subcontractors have adequate insurance coverage. Before ..
With graduations, birthdays, Father’s Day, reunions and proms fast approaching, some may want to make a statement by renting a luxury or exotic vehicle to impress others or just to enjoy the sights, sounds and excitement that comes with these types of cars. Services like Gotham Dream Cars and Hertz Dream Car Collection let anyone ..
By Rosalyn Binday Are you unfortunately familiar with the term “policy limits?” If you’ve ever had someone slip and fall on your front steps or been at-fault in an auto accident, you just might be. Policy limits are the maximum that your insurance will pay for a specific claim. For example, if you buy only ..
By Rosalyn Binday The thermometer soon – and it’s about time – will be moving well above freezing, so homeowners should be ready for possible flooding as the piles of snow throughout the tri-state area begin to melt. This brings the possibility of leaks in your roof and walls from gutters that are dammed up, ..
By Rosalyn Binday Did you have a loss last year due to weather, theft or an accident? Are you planning to deduct that loss when you file your Federal Income Tax return? Well, it might not be so easy. In fact, the IRS sets a pretty high bar for a tax deduction due to a ..
Glenn Binday, left, wearing his jacket from Scarsdale Volunteer Fire Co. No. 3, speaks to a young local resident at a recent even about the work of volunteer firefighters. Glenn Binday, a volunteer firefighter since 2002, has been elected President of Scarsdale Volunteer Fire Co. No. 3. As President of Company No. 3, Binday, ..
By Ronald Binday We all seen those comical TV commercials about making a phone call to switch our auto insurance to some big, impersonal company that seems only to exist at the other end of an 800 number. But for residents of New York State, there’s a much better way that includes keeping your current ..
Looking Up! The housing market continues to show improvement, with the outlook on residential construction improving for 2014. By last November, sales of new single family homes rose 16.6% compared to the same time the year before. By year end 2013, construction spending rose a solid 5.9%. Below are examples of inflation changes over the ..
If you are one of the lucky few that are not experiencing any ice dams, know that you are few and far between. For the rest of you, we at Advocate Brokerage are ready to roll up our sleeves and help. Professional ice dam removal is the number one recommendation if you are currently experiencing ..
That expensive home generator you had installed a few years ago needs some attention from time to time. You should plan to fire it up once each season and give it a quick look-over for problems that might require a service visit. Power failures happen in spring-time wind storms and summer thunderstorms, as well as ..
Every company, large and small, has unique risks. Some have workers who operate heavy machinery or drive vehicles while on the job, while others serve food and alcohol or handle toxic substances. Doctors and hospital staff handle patients, body fluids, sharp needles and equipment. Some employees handle sensitive documents, data, or money, potentially opening the ..
By Rosalyn Binday Valentine’s Day is a popular day to get engaged. But popping the question is just the beginning step in preparing for one of the biggest days of your life. One of the largest online resources for wedding information, TheKnot.com, periodically releases a collection of fun and interesting statistics about weddings in ..
By Rosalyn Binday Other than that your bank requires it as a condition of your mortgage, do you know why you should have homeowners insurance? How about that in an average year, 374,000 homes are damaged by fire – some of them totally destroyed – with more than $7 billion in losses. Or that in ..
By Rosalyn Binday Whether it is a talking lizard or a perky saleswoman, we are all bombarded with ads for car insurance on a daily basis. But when was the last time you sat down and reviewed what your car insurance covers? Many people wait until it is too late. They are involved in an ..
Susan Wattenberg, an insurance professional in Westchester County for more than 25 years, has joined Advocate Brokerage in Scarsdale as Senior Marketing Representative. Ms. Wattenberg is a specialist in offering individualized and personalized insurance protection for high-net-worth families. Her career has included management of a staff of 12 Account Executives servicing a $22-million premium Personal ..
An alarming number of respondents, about 38 percent, say they have never conducted research before purchasing their insurance policy, in a new, national survey by Trusted Choice and the Independent Insurance Agents & Brokers. The survey also found that more than one of every three surveyed policyholders has not even talked to their insurance agent ..
Scarsdale Volunteer Fire Company 3 recently voted in a new member to the company this week. Captain Jeffrey Koslowsky said that Justin Disanto has joined the company that currently has 36 active members and is continuing to serve the Village of Scarsdale through the Scarsdale Fire Department. The volunteer company has been active for more ..
Martin Luther King – I Have a Dream on August 28, 1963 In honor of the Rev. Dr. Martin Luther King Jr., take a moment today and think about everything in your life that you are thankful for. We have included a link to a video of Dr. King’s famous “I Have a Dream” speech ..
By Rosalyn Binday Did you know that one claim on your auto insurance can spike your premiums by an average of 38 percent? And that the hike in premium is related to the type of claim? According to a report published by insuranceQuotes.com, drivers pay an average of 38 percent more for car insurance after ..
Along with losing weight, getting a better job and having a date night with your spouse once a week, another New Year’s resolution you should make is to update your insurance policy. The Property Casualty Insurers Association of America issued the following five New Year’s ..
Do you like fine antiques and antiquities? Do you live in or near New York City? Whether you’re a collector or simply an admirer, the 18th annual Winter Antiques Show in New York City is a must visit — the best of the best will be on display or available for purchase. Our friends at ..
Shoppers buy more jewelry during the holiday season than at any other time of the year. They lose it or have it stolen at an elevated pace, too. In December and January, the number of insurance claims processed for lost and stolen jewelry is 17 percent higher, on average, than during the other 10 months ..
This weekend is set to be the coldest in the past few years with temperatures dropping to the single digits overnight. While we know to bundle ourselves up to keep warm, many people forget to check to make sure their pipes stay warm as well. Ice forming in a pipe does not typically cause a ..
Have you ever gone back to where you left your car and found that it wasn’t there? It’s happened to some friends of ours who didn’t see the “no parking” sign that threatened rush-hour towing. After a brief panic that their car had been stolen, they called police and discovered it had been moved, and ..
By Rosalyn Binday Put down that burger! Experts say that eating while driving can increase a motorist’s chances of a car accident by up to a whopping 80 percent — and no Big Mac is worth your safety or the safety of your loved ones. Eating while driving is just one of the many symptoms ..
The holidays are meant to be a time for fun and celebration with family and friends. However, the hectic pace of the holidays can also present increased risks, such as overcrowded stores and greater opportunities for thieves to target your valuables and personal information. Here are five simple tips to help you have a safe ..
By Rosalyn Binday Authorities across the country are getting serious about drivers who choose to watch their phones instead of the road. In Florida, for example, a texting-while-driving ban went into effect on Oct. 1 in a move by the state to prevent accidents. In June, New Jersey last summer raised the fines and penalties ..
By Denise Koslowsky Your teenage son is driving a friend home after a party and is involved in a car crash severely injuring his passenger, who may be paralyzed for life. Friends come over for a barbecue and their toddler is bitten by your dog. A neighbor’s child climbs the fence around your pool and ..
Are your prepared for a winter storm? Of course, you have your wooly hat and mittens on standby for when the weather gets bad, but what about your home? While your ears may be covered, does your insurance cover what could happen to your property” In 2012, the Insurance Information Institute reports that winter storms ..
This winter is already shaping up to be quite a cold one. With a record-breaking snowstorm slamming South Dakota in early October and freezing temperatures all across the Midwest, predictions that the 2013-2014 winter season will be a doozy are looking right on target. You and yours should be prepared for heavy snows and chilly ..
The first year anniversary of Superstorm Sandy gives us time to reflect what we learned from this unprecedented event. In our 45 years as insurance brokers in Westchester County, we never encountered a situation where so many people were not merely inconvenienced, but had parts of their lives destroyed. Trees toppling onto homes, excessive flooding, ..
In early April 2012, as a dry winter gave way to a dry spring, a wildfire ignited near the Brookhaven National Laboratory on Long Island. Before it was brought under control, the fire had consumed 1,000 acres and two homes. We don’t usually think of wildfires as a danger to life and property in the ..
Urban or rural, if your home is located in a brush or woodland setting, you may face the very real threat of wildfire. Wildfires often begin quietly and then spread quickly, igniting brush, trees and even homes. Chubb can help protect your family, home and property from wildfire with a unique combination of coverage and ..
Scores of ice cream lovers across the country have consumed the delicious frozen treats made by Vermont-based Ben & Jerry’s. But did you know that the chewy fudge brownies in Ben & Jerry’s flavors such as Chocolate Fudge Brownie and Half Baked come from a local business? The team at Advocate Brokerage would like to ..
With the warm weather of summer just around the corner, the team at #AdvocateBrokerage has a suggestion for a memorable tri-state vacation spot you may be unfamiliar with, plus a variety of personalized #insurance plans, that can give you peace of mind while your enjoying the fun and sun there. There are many great places ..
Though mandatory in most states, #insurance is essential to protect your family in the event of a car accident. The most important advice we at Advocate Brokeragecan provide to you as a driver is to educate yourself and your family about safety techniques you should all be aware of to cope with unexpected situations on ..
Dear friends and future friends of Advocate Brokerage: Welcome to our new blog. We hope in the coming months and years you’ll visit frequently to catch up on some local news, learn things about your insurance coverage and policies, get some pointers on securing your home and family against disasters, and find help for your ..
Dear friends and future friends of Advocate Brokerage: Welcome to our new blog. We hope in the coming months and years you’ll visit frequently to catch up on some local news, learn things about your insurance coverage and policies, get some pointers on securing your home and family against disasters, and find help for your ..