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Every Advocate Brokerage client has unique insurance issues and needs personalized service. This newsletter focuses on a few items from boating to business that might fit your particular circumstances.
Advocate Brokerage Your Advocate
for Every Insurance need.		 820 Scarsdale Avenue Scarsdale
(914) 723-7100
www.advocatebrokerage.com
Welcome to your August newsletter from Advocate Brokerage.
You don't need to do risky things to have risk in your life. Risk starts each day when you get out of bed in the morning. This month's newsletter looks at different situations where risk needs to be assessed, how you can avoid certain risks and minimize others, and where a good insurance policy can help mitigate and protect you, your family and your valued possessions.
 
Do you know what insurance to value means? As everyday consumers, we sometimes have the tendency to brush off and ignore such industry jargon, but the following situation shows just how important understanding them—and making sure your agency provides adequate coverage—can be.

At Advocate, while we hope that such misfortune never befalls one of our clients, we stay on top of our clients’ needs to make sure they’ll be covered if the unthinkable happens.
 
Whenever venturing out onto the water, safety should be your highest priority! The following tips aim to help you prepare for any situation on the high seas. And your Advocate Broker will help you insure your watercraft for any eventuality through quality companies such as the Chubb Group.

Float plans outline where you are going, where you’re stopping, and your estimated time of arrival. It is essential to leave a float plan with a responsible individual — if anything happens, they will know where to find you!
 
 
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If you run a business out of your home, or even have a home office to use when you’re not at the regular office, you need to think about insurance.

A normal homeowners policy is very limited when it comes to covering a home office, often insuring equipment and supplies, etc., for a barely adequate $2,500. That might cover your computer equipment if it isn’t too fancy, but forget about your homeowners policy covering loss of data, business interruptions or a client’s slip-and-fall on your shiny hardwood floors.
 
Superstorm Sandy was a lesson to all of us that we need to pay closer attention to our insurance coverage. No one expected a storm of that magnitude. But it could happen again. The national Oceanic and Atmospheric Administration (NOAA) predicts that there will be an active Atlantic hurricane season. The busiest storm season is less than a month away.

Now is the time to sit down with your insurance broker to review your coverage to make sure that you can ride out a storm.
 
 
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Latest News
1. Coastal Locations
2. Large Homes Under Construction or Renovation
3. Valuables-Articles
-- to Insure, or Not?
4. Earthquake
5. The Liability Risks of Board Membership
6. Hidden Risks Associated with “Toys” of the Affluent
7. Appropriate Personal and Umbrella Limits
8. High Deductibles and Other Self Insurance Techniques
9. Auto Insurance—Commodity Purchase, or Not?
10. Personal vs. Commercial Insurance
11. "Advisory" vs. "Product" Approach on Personal Insurance
 
 
 
 
Sent by: Advocate Brokerage Corp.
820 Scarsdale Ave Scarsdale, NY 10583
Ph 914-723-7100 | Fax 914-723-7307

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