DIRECT: (914) 428-7111

TOLL FREE: (800) 559-0027

Healthy Office Snacks for an Energized Team

Offering a selection of healthy snacks helps your team to stay on point.

You expect your staff to spend a lot of time at the office, so why not try to make the most of it? Offering tasty and healthful snacks can help keep energy, spirits, and productivity up – all at relatively little cost to your business. What kind of snacks are best for the office? Use this guide to the top healthy choices for stocking your breakroom.

Fruit & veggies

It shouldn’t be surprising that fresh fruits and vegetables are nutritionists’ top picks for healthy snacking. Most Americans aren’t getting enough servings of these crucial food groups, so by offering them, you can help your team overcome this deficit. If you’re having trouble keeping fresh produce in stock, consider unsweetened dried fruit. Packed with fiber and nutrients, this is a fantastic long-lasting option.

Nuts

Help your team fit in their healthy fat and protein by offering mixed nuts. Raw and unsalted nuts will be better for your staff’s health, but offering some roasted or salted options can help mix things up.

Sandwich or rice cake bar

Looking for something customizable? Consider setting up a whole wheat sandwich or brown rice cake bar. Your team can then load up their grain of choice with peanut butter, sliced bananas, or their other favorite toppings.

Water

Switch out the sugary drinks and caffeinated beverages for bottled water. Even being a little dehydrated can wreck havoc with our concentration and energy, so be sure to sip on water throughout the day.

So you can focus on feeding your team, let us focus on covering your hard-to-insure risks. To learn more about how our workers’ compensation programs and products have been serving thousands of insurance agents across the nation, contact Scavone Insurance today.

How to Conduct Your Home Inventory

Part of keeping your home safe is protecting it with reliable homeowners insurance.

You may think that you know exactly what is in your home. However, when it comes to the aftermath of a disaster, and you have to list which items you’ve lost, valuing your personal property from memory is harder than you think.

For this reason, home insurers ask homeowners to complete a thorough home inventory of all possessions. By having a physical list and photographic evidence of home contents, insurers can match coverage to the value of items accurately. Also, filing a claim is made that much simpler!

Here’s how to get started!

Put It On Paper

Write down a list of all of your belongings. The written description should include the date of purchase, original cost, and any improvements. Write down serial numbers for TVs, computers, and electronics, as well as keeping receipts along with the paperwork. As you sell or buy new belongings, ensure to add or remove the items from this list.

Shoot It

If you have a video camera, use it to establish additional documentation of your home and belongings for insurance purposes. Recording valuable items may be used as evidence in the case of theft, fire, or damage. As a rule of thumb, scan all rooms, shoot close-ups of all valuable items, and provide auto-commentary of details that may not be visually apparent. Store this tape in a locked file cabinet and upload it to the computer so that you have a digital copy.

Store It

Once you’ve captured all of your belongings on video and paper, you’ll want to store these files safely. If your home burns down, a home inventory will be of little use if it burns down with it. First, make a digital copy of both and email them to yourself. Secondly, keep the papers and video film in a fireproof box safely in the home or outside of the property.

Update It

Once you have established a complete inventory of your property, it should be easy to update it periodically.

Now that your home inventory is complete, contact Scavone Insurance today to get your reliable homeowners insurance.

What’s in a Business Owner’s Policy

Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in the package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the business owner’s policy (BOP). Package policies are created for business that generally face the same kind of degree and risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

BOPs Include:

  1. Property insurance for buildings and contents owned by the company – there are two different forms, standard and special, which provides more comprehensive coverage.
  2. Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
  3. Liability protection, which covers your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations, and errors in services provided.

BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees.

Find Out How Laughing Keeps your Stress Under Control

Learn how to keep your stress in check with laughter!

Stress is inevitable; it’s a normal part of life, especially in the workplace. With projects, deadlines, meetings and maintaining office dynamics, it’s easy for work to become a cesspool for stress. However, too much stress is detrimental to your health. It can cause serious health complications such as heart disease, obesity, sleep deprivation, anxiety, and depression. While there are many ways to help manage your stress, from exercise to meditation, perhaps one of the best medicines for stress is laughter. Check out how laughter can contribute to alleviating your stress and improve your overall health.

Increased Oxygen

When you laugh, you pull in more oxygen. The more oxygen your body has, the better able your muscles, heart, and lungs can function. As the body absorbs oxygen, your brain releases mood-boosting chemicals called endorphins, creating the feeling of happiness.

Reduces Tension

It’s no secret that stress is bad for your health. However, laughter can help you to relax and unwind. Just as laughing increases activity in your heart, muscles, and lungs, it helps to increase stimulation. The more circulation, the better able your muscles can relax, which reduces your stress.

Boosts Immune System

The more stressed you are, the weaker your immune system becomes. In fact, a pessimistic outlook on life has various ill effects on your health. Change your negative perspective for a more positive one. The more that you laugh, the more positive you become; so much so that your positive thinking can help to release neuropeptides that work to fight stress and illness.

When it comes to your workplace, it’s imperative to manage your stress. Get the relief that you need with a little laughter and the right health insurance. For assistance with employee health benefits, contact the professionals at Scavone Insurance!

Don’t forget home insurance costs when home buying

It’s easy to get caught up in the “how much house can I afford” game when you begin your quest to become a homeowner. But don’t forget to factor in the cost of things like property taxes and homeowner’s insurance when purchasing a new home.

On a home valued at $230,000, you can expect to shell out nearly $1,500 per year in certain states for insurance in addition to your mortgage payment and taxes. The same $230,000 home could cost over $5,000 annually to insure if it’s on the coast and subjected to hurricanes. Homeowner’s insurance costs vary greatly from state to state, with the average policy running at around $800 annually.

Be sure to keep that in mind as you shop, and make sure you get multiple quotes from different providers, just as you would a mortgage. Typically, homeowner’s insurance costs are overlooked as borrowers focus on the bigger things like the mortgage. So what are you getting for the money anyways? The standard homeowner’s insurance policy is separated into two basic categories of coverage: property and liability. These two categories are further broken down into six separate types of coverage. Many more options or additions can be purchased if necessary.

PROPERTY COVERAGE

1. Coverage A – This covers your “dwelling” or the actual house. You want to insure your house for it’s full value at “replacement cost.” Settle for nothing less.

2. Coverage B – “Other Structures” insures structures not attached to your home. Picture a detached garage or a shed, which can be connected by a fence or utility line. You will be insured for 10% of your coverage “A” amount. If your house is insured for $200,000, your shed is insured for an additional $20,000 (totaling $220,000).

3. Coverage C – Personal Property or contents. This is your “stuff.” You are insured for 50% of coverage “A” under this section (in addition to the “A” and “B” limits, totaling $320,000 for property damage on your policy. This concept is known as “stacking” coverage.

4. Coverage D – Loss of Use. Loss of use coverage will pay your additional living expenses in the event your home is deemed unlivable as a result of a covered claim (a fire for example). If your normal living expenses are $1,500 per month and they are increased to $2,200 per month as a result of your house burning down, the insurance company will pay ONLY the $700 difference until your house is repaired or you have found new living quarters, whichever occurs first.

LIABILITY COVERAGE

5. Coverage E – Personal Liability. Your insurance company will pay up to the policy limits for damages you’re liable for. Picture someone slipping on your icy driveway and injuring themselves.

6. Coverage F – Medical Payments to Others – This coverage is intended to keep you from being sued. Perhaps your dog bites the neighbor’s kid. This coverage will pay for resulting medical bills without having to prove “fault.” It is good will gesture coverage for when accidents happen. Of course, if your neighbor is not satisfied, they retain the option to sue you.

Before you head out, you’ll want to secure the reliable protection that will leave your home and belongings safe. Get started on your home insurance policy that will protect your future and finances – Call us today!

Reduce Your Energy Bill This Summer

Keep your home running efficiently without breaking the bank.

Electricity prices are rising, and utility bills are getting ugly. This simple service is one that we take for granted daily. As the summer season is here, you can enjoy saving money on heating costs. However, with the warmer weather, the AC is a must. Instead of breaking the bank to keep your home cool, use these ways to lower your energy costs and balance your expenses.

  • Unplug!
    Even if your electronics are turned off, they’re still using energy – these are known as ‘energy vampires.’ Spooky, right? The real fright is seeing how much energy they ‘suck’ up, simply by being plugged in. To beat this cost, unplug your devices and appliances when not in use.
  • Splurge for solar panels
    One of the best ways to save electricity is to produce your own. With grants and payment plans available, you can put the sun’s energy to use!
  • Service your air conditioner
    Roughly half of an average home’s annual energy bill (gas and electricity) is spent on heating and cooling. Spend a bit of time annually to perform some basic air conditioner maintenance, such as cleaning and straightening the fins, changing the filter, and lubricating the motor.
  • Use your ceiling fans year round
    When the air blows down, it helps to cool the room and keep it comfortable, keeping your A.C. at a minimum. Turn the fan the other way in winter so that it pulls the cold air up to help keep you warm!
  • Use compact fluorescent light bulbs
    Make the switch to compact fluorescent light bulbs (CFL bulbs) that use up to 75 percent less energy. To keep your home cooler in the summer, turn off lights when they are not needed to reduce the heat given off.
  • Buy Energy Star appliances
    When you shop for appliances, look for the Energy Star label. It means that the appliance meets certain energy-efficiency guidelines – saving your energy and pocket! Not sure what to do with your old appliance? Recycle it.

From the insurance professionals at Scavone Insurance, we hope that you enjoy cutting down your energy usage and your monthly bill! For more tips on how to save money and fully ensure your home’s protection, contact us to secure the right homeowners insurance.

Tips for Buying Business Insurance

Shopping for your business’s insurance policy? Here’s what you need to consider first.

No two businesses are alike. Similarly, no two companies share the same risks and threats that can impact the stability, finances, and staff. Buying business insurance for your small company can be a frustrating process. Finding the right policy can feel like you’re looking for a needle in the haystack. In actuality, giving up and settling for a mediocre policy can do more damage to your business than it can good.

Before you select one with a low premium and minimum coverage, here’s what you need to know about buying business insurance.

Look past the premium.

Expenses are important to your business, and you will want to keep to a minimum. For small business owners with limited budgets, it can be tempting to make a decision based on the price. Keep in mind that you’re purchasing insurance to protect your business. Always look at a policy to ensure that it doesn’t leave out coverage you may want later on and that it has high enough limits to suit your company.

Evaluate the policy for gaps.

The defining details of each policy are inclusions (covered events) and exclusions (events that your insurance won’t account for). Pay attention to these items because they determine the terms of your coverage. For instance, when reviewing coverage for commercial auto insurance you’ll want to check that you have insurance for bodily injuries, property damage liability, collision coverage, uninsured motorist coverage, and personal injury protection.

Understand limits and deductibles.

Your policy limits are the stated amount that your insurance provider will pay for a specific event, instance, or claim. Your limits ultimately decide the extent of protection your business receives for liability lawsuits and other losses. While you check your limits, ensure that your deductibles are well within your business’s monthly budget.

Skip the search of finding the right business insurance in your area to suit your needs – contact Scavone Insurance to find out how our protective policies can meet your business’ needs.

What Is Boat Insurance?

Boat insurance financially protects your boat from any covered disasters, but what are the intricacies of this policy?

Boat insurance covers you in the event that your boat succumbs to a covered loss or damage. It covers most water vessels with motors, including boats such as fishing boats, pontoon boats, leisure crafts, yachts, and paddle boats (we are aware not all paddle boats have motors). Boat insurance usually does not cover canoes or kayaks because of the risky nature of their recreational use. If you own a boat and want to get it insured, here are a few things that you have to know regarding boat insurance.

What Does Boat Insurance Cover?

Boat insurance protects your boat from covered perils. Accidents are not just a road-only thing, they can happen in the water and that is why it is important to have boating insurance. Boat insurance includes the following coverage for your watercraft.

  • Collision Damage – This can include repair or replacement of your boat if it suffers damage from a covered peril. General policies may not cover clean-up of a wreckage, but you can always purchase additional coverage.
  • Property Damage – If you cause damage to someone else’s boat, dock, or some other property, boat insurance can help cover these wrecks.
  • Bodily Injury – This coverage offers protection if you cause injury to someone while using your boat. This coverage includes things like medical bills, and legal expenses.
  • Comprehensive – If your boat is damaged in a non-collision related accident, comprehensive coverage pays for the damages. Damages include things like burglary, hitting a rock, or other damage that did not come with hitting another vehicle.
  • Additional Coverage Options ­– You can also add additional coverages which protect fishing equipment, oil spills, personal property, and road- and seaside assistance.

Get the boat insurance to suit your needs and budget at Scavone Insurance Center. We are located in White Plains, New York and are here to serve you! Contact us today for a quote!

Find Business Insurance to Match the Size of Your Business

Your business is important to you, and that is why it is crucial that you purchase a policy that will properly protect it, no matter the size.

The kinds and amount of business insurance that you need for your small business is based on a few factors. These factors are based on the questions such as, “What kind of business are you in?” “Where is your business located?” “Do you have employees?”

One of the best ways you can evaluate the needs of your insurance is to determine the size of your business. Here are a few things you need to know if you own a home or small business and want to find the proper insurance coverage to protect it from the everyday perils it must face.

Home-Based Business

Many successful businesses from Apple to Amazon, started right in their very own garage. A home-based business typically consists of zero, maybe one employee, and make relatively little revenue. But just because the business is located in your home, does not mean you get to skip out on business insurance. Homeowners insurance will not cover any injuries to your clients during a business-related visit, or any damage to your business property like printer or computer. Talk to your agent about insurance for your home business.

Small Business

Do you happen to know all of your employees by name? Does your business make only a few million dollars every year? If you answered yes to both of those questions, you are likely operating a small business. A common definition of a small business is one that is independently owned and operated, is organized to be for-profit, and is not the dominant force in its field market.

No matter the size if your business, it needs to have the right business insurance policy. Be sure to contact Scavone Insurance Center, located in White Plains!

What Does Commercial Property Insurance Cover?

Commercial property insurance protects the property of your business, but what are the specifics of this policy?

If you own an office or a building in which you conduct and rely on for business, how are you supposed to protect it from the perils of everyday life? Commercial property insurance protects the property on which you and your clients meet to conduct business. If you lose your property to a covered peril – say, a fire or storm – the commercial property insurance will pay the repair or replacement that is associated with those losses, up to the policy’s stated limits. Here is everything (or most everything) you need to know about commercial property insurance and what it covers.

What Is Commercial Property Insurance?

Commercial property insurance helps your business recover when covered disasters strike and jeopardize their business property and real estate. Covered events typically include disasters such as fires, windstorms, theft, or vandalism. When these perils affect your business, commercial property insurance can help you repair and replace items such as electronic devices, inventory, furniture, and business equipment.

What Does Commercial Property Insurance Cover?

  • Buildings – Commercial property covers the physical location of your business. Depending on whether you own or rent the space, you will want to forge your policy based on that fact.
  • Personal Business Property – Coverage for commercial property includes things that are inside of your business which you use to conduct business. Furniture, supplies, inventory, and equipment owned. Property which is not located at your business can also be covered. For example, when an employee brings a laptop to a meeting and it gets damaged, commercial property can help reimburse your business for this loss.

The only way to protect your business‘ property is to have quality property insurance that will protect and cover your company, be sure to contact Scavone Insurance Center, located in White Plains!

Powered By: Stratosphere Marketing Solutions

© Scavone Insurance Center. All Rights Reserved.