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5 Facts about boat insurance

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Few things are more enjoyable than cruising the waterways. Boat insurance can keep that fun afloat all summer long.

Boat insurance is about preparing for the worst. This coverage grants security and peace of mind. Yet some owners are still unaware of the advantages that these policies offer. Access Legacy Insurance Group in Brooklyn, NY can provide you with guidance on this important coverage. 

Here are five facts about boat insurance that you should know about:

Boat insurance applies to any watercraft

Boat insurance is specialized protection that applies to any motorized watercraft. While each policy is unique, most boat insurance plans shield against loss through comprehensive and collision coverage. 

But the benefits extend much further

Despite its name, boat insurance covers more than just your boat. These policies are designed primarily for the people on board. You, guests, and other boat enthusiasts benefit from these safeguards. Liability is the cornerstone of this protection.

Boat insurance isn’t required in New York

Although it’s not legally mandated in The Empire State, boat insurance is always a good idea. The pros of maintaining full coverage far exceed the risk of going without it.

Boat insurance isn’t covered by other plans

Many homeowners incorrectly believe their boat is already covered. But home insurance is usually limited. Only a dedicated boat insurance policy will ensure adequate security.

Boat insurance isn’t seasonal

Another common misconception is that boat insurance is only a summer expense. Yet natural disasters and accidents can still pop up, even in storage. Avoid canceling your boat insurance during the winter months. This decision could be costly in the long run. 

Give Us A Call

Insufficient coverage can sink your fun quickly. Let Access Legacy Insurance Group in Brooklyn, NY be your anchor. Our experienced agents will build a boat insurance policy that’s right for you. Reach out to us today.

Why You Need Flood Insurance

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When you are a homeowner, it’s important to protect your home as best you can. One way to do this is to get flood insurance in addition to your home insurance. A flood is a highly damaging disaster that can destroy a home, so it’s important to have this coverage to cover this risk. If you don’t have flood insurance, give us a call at Access Legacy Insurance Group in Brooklyn, NY to find out more. 

Flood Insurance: A Comprehensive Guide

Home Insurance and Flooding

When you have home insurance, it protects you against a number of dangerous risks. However, it doesn’t protect you from floods. To get that protection, you need flood insurance. If you had a flood and no insurance for it, it would be up to you to pay for all of the repairs or the rebuilding that is necessary. It’s for this reason that flood insurance is so important. 

Who Should Get Flood Insurance?

Many people believe that it’s only necessary to get flood insurance if they live in an area that is labeled as a high-risk flooding area. These areas are often close to the water and have a history of flooding. But, it’s not just those areas that flood. About one-fifth of the flood claims that are made come from areas that aren’t in these high-risk areas. For people without flood insurance, that would mean paying for extremely expensive repairs. The National Flood Insurance Program generally recommends that everyone should have flood insurance to protect themselves. 

NFIP Backing

The NFIP backs flood insurance and makes it available to the public. It also sets the pricing for this coverage. This makes it easy to shop for flood insurance, as it costs the same no matter where you get it. To protect your home, it’s important to have this coverage. 

Get Your Flood Policy

If you don’t have flood insurance, it may be time for you to get it. It’s a great way to mitigate some of the risks that are posed to your home. Give us a call at Access Legacy Insurance Group in Brooklyn, NY.

How Do I File A Claim With My Workers’ Compensation Insurance Policy?

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If you work in a dangerous environment in Brooklyn, NY, your employer likely has a workers’ compensation insurance policy. To be on the safe side should the unfortunate happen and you get injured or ill because of your workplace, knowing how to file a claim under the workers’ compensation policy is handy.

Here’s how to do it:

Step 1: Report the Workplace-Related Injury or Illness to the Employer

As soon as you get injured at your workplace or your doctor confirms that you are getting sick because of your workplace, report the injury or illness to the employer. In New York, you are required by law to inform your employer of workplace-related injury or illness within 30 days after it occurs or receiving a diagnosis. 

Step 2: The Employer Will Help Your Fill Necessary Paperwork for the Workers Compensation Insurance

After informing your employer of your injury or illness, they will tell you about your rights, the workers’ compensation benefits available to you, and their return to work policy. Make sure you provide details on the nature of your injury and where and when it occurred. At Access Legacy Insurance Group, we advise you to provide medical reports on the injury or illness. The employer may also ask you to fill an injury report to present to the state’s workers’ compensation board.

Step 3: The Employer Reports the Injury to the Insurer and Files the Claim

In most cases, your employer, not you, is responsible for filing a workers’ compensation claim and other supporting documents to the insurer. The insurer will review the workers’ compensation claim and either approve it or reject it. If it’s rejected, you can request the insurer to reconsider the claim or file a formal appeal with the state workers’ compensation board. 

Give Us A Call

Do you need more info on workers’ compensation insurance in Brooklyn, NY? Contact Access Legacy Insurance Group today.

Affordable Renter’s Insurance Options

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Access Legacy Insurance Group can help renters in the Brooklyn, NY area find the policy that suits their needs and their budget. Give us a call today to learn more about the options available in our area.

Renter’s insurance on a budget

Starting out in your own apartment for the first time can be a daunting experience. This is especially true if you are also dealing with a budget that doesn’t have much wiggle room! Fortunately, there are many renter’s insurance policies that can protect your belongings without breaking the bank.

Having a renter’s policy in place is an important part of independent living. If there is an accident at your home, you will have liability protection. The same holds true in the case of damage or loss caused by covered events. Living without this protection can put you on the hook for a lot more expense than the cost of a renter’s policy.

Many insurance carriers allow for monthly premium payments, which can be helpful for people with a tight budget. If your current financial situation is a little tight, ask your local insurance agency about the affordable options that are available. There are insurance solutions for every budget. 

There’s no reason to go without insurance when a number of affordable policies are available in our area. Make sure that you have the protection you need, and if a catastrophe does happen, you will be in a much better financial place. 

We can help you find the right policy!

Brooklyn, NY residents who are on a budget can count on the team at Access Legacy Insurance Group to help them find the right policy. Don’t put off getting renter’s insurance due to your budget. Give us a call today!

I Don’t Live in a Flood Zone – Should I Still Have Flood Insurance?

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The majority of homeowners that purchase flood insurance don’t have a choice because they live in a FEMA designated high-risk area and their mortgage lender requires coverage. With that said, flood insurance should be purchased by all homeowners because even just an inch of water in your home can cause thousands of dollars in damage. Although your existing home insurance policy likely covers water damage, it will only kick into gear when water enters your home from the sky, such as through the roof or a broken window. Water that hits the ground first before entering your home is deemed a flood and damage that it causes is excluded from your homeowners’ policy. Furthermore, you cannot count on financial aid from the federal government to repair flood damage because this assistance only happens after the President declares a disaster and the vast majority of flood events do not rise to the level of this declaration. 

With flooding projected to get worse in coming years, the flood maps are constantly shifting and while FEMA does their best to update their flood zones, it can be delayed. This means that you could be living in a newly identified flood-prone area, but not know that because the zones are not updated in real-time. For more information, reach out to Access Legacy Insurance Group in Brooklyn, NY. Our friendly, knowledgeable, and customer-centric insurance team are ready and willing to assist with all your questions regarding flood insurance. Give Access Legacy Insurance Group a call today to schedule a no-obligation consultation with us to discuss your flood insurance needs. 

What Does Uninsured/Underinsured Auto Insurance Cover in Brooklyn, NY?

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Uninsured and underinsured motorist insurance can provide extra protection for drivers injured in an accident. Typically, Personal Injury Protection (PIP) covers you for accident-related injuries. However, this coverage may not cover medical and other costs in the event of extensive injuries. Talk to an agent at Access Legacy Insurance Group in Brooklyn, NY, regarding your uninsured and underinsured motorist coverage options.

How Does Uninsured and Underinsured Motorist Coverage Work?

If your medical bills exceed your personal injury insurance coverage, you may have to sue the at-fault driver. However, if the other driver doesn’t have insurance or doesn’t have enough insurance to cover your personal injury cost, you may pay the balance out of pocket.

Although every policy works differently, UM/UIM insurance typically kicks in after personal injury insurance has been depleted and you have received any compensation from the other driver’s personal injury insurance. However, if the other driver isn’t insured it doesn’t have enough insurance to cover your personal injury expenses, your UM/UIM insurance may kick in earlier.

New York insurance law § 5217 also specifies that uninsured motorist coverage will cover drivers who are victims of a hit-and-run collision. 

Uninsured Drivers

By law, all drivers in New York must carry auto insurance. However, many people drive without it for one reason or another. If an uninsured driver causes an accident and you are injured, uninsured or underinsured motorist insurance will cover your medical expenses. 

Contact Us Today for a Quote

Would you like to understand better uninsured and underinsured motorist insurance coverage in New York? Reach out to the Access Legacy Insurance Group team in Brooklyn, NY. We would be happy to schedule an in-person meeting to provide a quote. Our pros can help you understand your current coverage handles and make recommendations on UM/UIM coverage.

 

How do employees access workers comp insurance?

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When your business grows and you hire employees, your company will need workers’ compensation insurance. Let Access Legacy Insurance Group, serving Brooklyn, NY, help you obtain this insurance, as required by each state.

What is workers’ compensation insurance?

Workers comp policies, as they’re also called, insure your business against the costs of medical care and settlements related to on-the-job injuries and illnesses. If your employee gets hurt while performing their job duties, the workers’ comp insurance pays for their injury treatment and pays a percentage of their wage if they must miss time from work for treatment or recovery.
By purchasing workers’ comp insurance, you save yourself the out-of-pocket expense of paying a legal settlement. Workers comp provides a reliable method for your employees to obtain injury treatment, rehabilitative care, and a settlement for their injuries if the accident or illness caused permanent damage.

How Workers Comp Works

This type of insurance protects your employees since they know that if they slip and fall at work, whether they sprain an ankle, or break their leg, the insurance provides for their medical care without them needing to solely rely on their medical insurance. It also means that while they cannot work, they still receive a portion of their pay.

The workers’ compensation program provides a safety net for their health. When they incur an injury, they first go for emergency treatment. As soon as possible after they have received emergency medical care, they should file for workers’ comp by filling out the paperwork provided by the human resources department or available from the NY workers’ comp website. It covers hospital stays, doctor visits, medical equipment, etc.

Let Access Legacy Insurance Group, serving Brooklyn, NY, help you easily meet state legal requirements for workers’ comp insurance. Contact us today to discuss your insurance options.

What’s NOT covered by renters insurance?

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Many would agree that renters insurance is a wise investment for a relatively small price. However, as a renter, you should familiarize yourself with the items and scenarios where renters insurance wouldn’t provide coverage. Renters insurance covers any things. You are covered in the event of theft, some natural disasters, vandalism, and damage to your personal property. However, it’s best to read between the lines when it comes to what’s not covered under a renters’ insurance policy. 

Natural Disasters that Aren’t Covered

Although renters insurance covers damage from natural disasters like fires, volcanic eruptions, wildfires, and tornadoes, it doesn’t cover damage to your belongings caused by floods, earthquakes, and sinkholes. Many natural disasters are covered under a renters’ insurance policy, but it is important to ask if you have specific concerns about coverage when it comes to natural disasters. 

What Else isn’t Covered?

Damage from insects and rodents isn’t covered and your roommates’ belongings won’t be covered by your renters’ insurance policy. Also, damage to the exterior of your rental property wouldn’t fall under a renters’ insurance policy either. These are the details that renters should be aware of because there may be a need to purchase more insurance to meet a specific coverage need. Although theft is covered for items that may be stolen from your car, damage to your car itself wouldn’t be covered. 

Renters insurance covers many things, even spoiled food, but it is important to read the fine print and fully understand your coverage. Our team would be honored to help you navigate understanding renters insurance and choosing a policy that suits your situation. Our team at the Access Legacy Insurance Group of Brooklyn, NY is committed to educating our customers on the ABCs of renters insurance and how a standard policy works. 

What boat insurance do you need

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A boat is an incredible purchase that you can enjoy for a long time, sometimes even the rest of your life. Owning a boat can come with issues, especially if you only find out after an incident that you don’t have the right type of insurance. Find out more below on what you should think about when it comes to boat insurance. 

Access Legacy Insurance Group in Brooklyn, NY is proud to offer boat insurance to residents in the following states:

  • New York
  • New Jersey
  • Florida

Boat and home insurance

In many cases, home insurance will cover your boat as part of the home insurance policy, as your boat can be seen as part of your property. While this is already decent coverage, home insurance doesn’t cover everything when it comes to your boat. Some examples below of what might not be covered under home insurance:

  • Liability insurance, as you might not be fully covered under your home insurance policy. For example, what if you are in an accident with another boat and you damage the boat or hurt someone on the other boat? This can also count for if someone who is on your boat gets hurt.
  • Insurance in case the other person is not insured. What is meant by this is that if you get into an accident with another boat owner and they are not covered to cover your medical bills or boat repairs, you are the one stuck with the financial burden of this. So make sure you get enough coverage for yourself in this situation too.

If you want to discuss boat insurance, call Access Legacy Insurance Group in Brooklyn, NY, or get a quote here. 

Why You Need Flood Insurance

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If you are thinking about buying a home, you are going to need to find homeowner’s insurance. Since there are so many options, you may be unsure about what you need and what you can save money on. 

Flood insurance may be something that you are considering. Here are some reasons why you should get it.

Your mortgage company may require it. Certain mortgage companies require you to have flood insurance if you live in an area that floods easily. 

If you can’t afford to salvage your home in a flood, you will need to have flood insurance. Many insurance companies won’t cover any flood claims unless there is a Presidential Disaster Declaration. If you have flood insurance, your insurance will take care of your claims regardless.  

The simple truth is that most homeowners’ insurance doesn’t cover any flood damage. Even if you don’t live in an area that is considered a flood area, you may want to get this extra insurance, just in case. If you don’t, and you find your home flooded, your insurance may not cover any repairs. 

Even if you get help, it may not be enough. When flooding happens, it can cost homeowners forty thousand dollars or more. If you get a loan or grant to help you, you may only get a few thousand dollars. 

Though you may not want to get flood insurance, your mortgage company may require it. If not, you may still want to get it, because flood damage can cost a lot of money. Even if you apply for loans and grants, that still won’t cover the damage. 

If you want to make sure that you are fully protected in Brooklyn, NY, contact us today at Access Legacy Insurance Group. 

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