Archives for June 2014

Have a Safe 4th of July Weekend

The 4th of July holiday brings with it three days of grilling out, parties, a day at the beach, fireworks, and picnics. It is also a time to make sure you and your family are safe and free from any type of injury. Here are a few tips as a reminder to help you have a safe celebration.

If you are taking a day trip to the beach, remember to keep all foods that need to be chilled, in the cooler packed with ice. Take plenty of sunscreen at a high SPF. Be aware of any rip currents, tides, and weather conditions. Make sure you always keep children within eye sight. Keep alcohol to a minimum.

If you will be hosting a party and using the grill, make sure the grill is always watched when using. Never grill in an indoor area such as a garage, tent, etc. Use grilling tools that have long handles to prevent burns and keep animals and children away from the grill. Clean the grill and the utensils after every use.

The safest way to enjoy fireworks is to attend public ones. Never hand fireworks to children and have a bucket of water nearby. If your neighborhood allows fireworks, the person who will be lighting them should always wear eye protection and light one at a time. Never throw a firework towards a building or vehicle or point it at anyone or animals.

Drive safely and use your safety belts whenever you travel. Of course, don’t drink and drive.

The Alliance Group Insurance wants you to have a safe 4th of July. We offer coverage for auto insurance and homeowners insurance in the Fairport New York area. Contact us today for information on how we may help you protect your property.

Getting Your Car Ready for Summer Travel

Summer is here, vacations are being planned and weekend road trips will increase. If you will be relying on your vehicle more often in this change of seasons, you should be paying a little more attention to your car’s maintenance. Here are some simple tips that everyone can do to potentially head off problems.

  • If you have a “Check Engine” light on, take it to a chain auto parts store. Most will run a free diagnostic test and many times it will be something simple.
  • Take a good look at your tire-wear and check your tire pressure. Improper pressure can cost you fuel mileage.
  • Check all of your fluids. Check oil, transmission fluid, engine coolant, brake fluid, and windshield washer fluid.
  • Have a friend help you check all of your interior and exterior lights including brake and back-up lights.
  • Check your hoses to make sure they are firmly attached and show no signs of cracking or holes.
  • Take a look at your belts to make sure the edges aren’t fraying.
  • Check air and fuel filters. They are relatively inexpensive and easy to change.
  • If your brakes are making any squealing or grinding noises, have them looked at immediately. Putting off a brake inspection off can be very costly and dangerous.
  • Make sure your vehicle has at least a small first aid kit and a simple tool kit.
  • Even if you have GPS, a paper map can still be handy in an emergency.

The summer is also a good time to have an auto insurance review. At The Alliance Group, we will be glad to go over your car insurance coverage. Contact us for a no obligation review and quote today! The Alliance Group serves Western New York from our office in Fairport.

Protect Your Business With a Commercial General Liability Policy

A commercial general liability policy covers businesses against liability claims arising from injuries, property damage, product defects and operational issues. For most businesses, a commercial insurance policy is the first line of defense against a range of common claims and lawsuits related to their company’s operations.

A general liability policy typically covers all risks pertaining to the operation of your business. Most policies will cover issues such as property damage, bodily injury to employees and other people to whom you are legally liable, medical payments, personal injury and defense costs related to negligence and slander lawsuits. Commercial insurance polices also cover vehicles that are used in connection with your business such as those used for delivering or transporting materials.

Major insurance companies offer customized general liability policies for companies in different industries. For example, insurance companies have different policies for contractors, business offices and for professional and personal services. The policy for a contractor might be tailored specifically for businesses in the HVAC, plumbing, landscaping, or janitorial service segment. Similarly, business office polices are typically targeted at consultants, real estate companies, marketing firms and tax preparers while a professional services policy is usually designed to protect salons, therapists, event planning companies, interior design companies and similar firms.

Often, insurance companies offer what is known as a business owners policy (BOP) that includes general liability protection as well as business property coverage. A BOP is designed typically for small and medium businesses. A major advantage with a BOP is that it incorporates multiple insurance protections into one policy. A BOP allows you to streamline your insurance needs by combining different types of liability coverage into one policy. Since a BOP combines multiple insurance policies it is usually cheaper than buying several policies. Importantly, a BOP is also easier to manage administratively compared to purchasing and managing policies separately.

To learn more about commercial general liability coverage in New York, please contact The Alliance Group. We’d be glad to answer your questions and help choose the right amount of liability coverage for your business.

Find The Alliance Group on All Your Favorite Social Media Sites

At The Alliance Group of Western New York, we are committed to developing close relationships with our customers so that we can understand and meet your unique insurance needs. With The Alliance Group, you are never just another number or name in a large list like you are with other companies. Instead, we take the time to get to know you and to get involved in your life every step of the way. No matter what you need from your insurance agency, we are always there for you.

For this reason, we are extremely excited to announce that we have now expanded our company to include a social media aspect. We don’t want to be just the phone call you make when there is an emergency. We want to provide interesting and valuable content for you every day, and joining social media is a great way for us to do this.

No matter which social media network you prefer, you can now find and follow The Alliance Group of Western New York on many of the major social media channels. We are now active members of Facebook, Twitter, Google+, YouTube and LinkedIn. Follow us on one site or several for the latest insurance news, helpful tips and tricks, memes and questions that will improve your safety and your life.

Don’t just contact us when you are faced with an emergency situation. Follow The Alliance Group on social media for all the latest updates and information, or contact us with your New York insurance coverage questions at 585-388-8001. We are an insurance agency that truly puts our customers first, and we can’t wait to connect with you on social media!

ation. Follow Alliance Group on social media for all the latest updates and information, or contact us with your New York insurance coverage questions at 585-388-8001. We are an insurance company that truly puts our customers first, and we can’t wait to connect with you on social media!