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Safeguarding Against E-Bike Fires: A Guide for New York State’s Insured

Mar 30, 2024
e-bike fires and NY's Insured

E-Bike Fires: A Guide for New York’s Insured In the rapidly evolving landscape of electric bicycles (E-Bikes), also known as Micro Mobility Devices (MMD) across New York State, safety standards have emerged as a pivotal concern, especially given the massive influx of these devices. In 2021 alone, almost 900,000 E-Bikes were imported into New York…


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Commercial Lines Business Extender – MHC-500Plus & CCIC-500Plus

Aug 9, 2022
Business Extender

 Business Extender for SMP, BOP and Commercial Fire Our Business Extender can give the insured that little bit extra that can really make the difference during a claim.  For an additional premium (SMP/CF $275 and BOP $225 or about $9-$11 per coverage) twenty-five additional coverages are offered.  The extender coverage applies in excess over other…


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New Business Down Payments

Aug 9, 2022
down payment

The first payment for a new insurance policy, also known as a down payment, is many times the most important. The payment is calculated as 25% of the total annual premium, plus any applicable New York State Fire Fees in full, plus a full installment fee. If the payment plan selected is Annual, the full…


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Do You Have Adequate Insurance To Replace Your Home In The Event Of A Significant Loss?

Aug 9, 2022
Do you have adequate insurance to replace your home in the event of a significant loss

Many homeowners may surprisingly answer this as “YES”. Choosing or verifying a building limit is an important part of issuing or renewing an insurance policy. If a loss occurs, it will be essential that the limit is high enough to indemnify the insured for a loss.  The value of your home can increase for several…


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Advantages Of Assessing Your Risks For Slips, Trips And Falls

Aug 9, 2022
Advantages of assessing your risks for slips, trips and falls

Slips, trips and falls are among the greatest workers’ compensation and general liability exposures. Two of the most common causes for slips and falls are slippery and uneven walking surfaces. It is important to take the time to evaluate every area of your facility and find where these risks could arise, specifically high-traffic areas. Best…


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Safety Tips For Grilling

Aug 8, 2022
tips for grilling

Trim the fat: Flare ups usually happen because of excess fat, sauces or oily marinades. Trim off some of the fat without sacrificing flavor. Keep the lip open: When searing fatty foods, leave the grill lip open Avoid wind: Try to keep your grill away from windy areas. Wind forces oxygen between the grates which…


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Renter’s Insurance – Is It Worth It?

Aug 3, 2022

Are you the owner of a building with residential tenants? Good, let’s talk! As a residential building owner, you’ve likely gone through all the hard work – made sure your building is safe and sound, handled all your city/state code requirements, and obtained the proper building insurance coverage. And then life happens! Disaster strikes, and…


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The Importance of Comprehensive Submissions

Aug 2, 2022

Our Statewide underwriters are eager partners ready to help your agency grow its book of business. A complete underwriting submission helps your underwriters quickly and efficiently rate your new business resulting in faster turnaround on quotes. Missing information on Statewide or ACORD applications significantly delays the underwriting process and causes additional efforts by all parties….


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There Is No “I” In Team Yet. . .

Jul 18, 2022

There is no “I” in Team yet. . . there is “me” in team. The “me” in team is about the importance of what you do that makes your team the best it can be. This “me” first mindset focuses on doing your part, first, to do all you can do, be all you can…


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Refunds for Business Entities

Jul 1, 2022

When binding a policy under a business entity name, please use a bank account associated with the entity to ensure that you can deposit a check as the payee. The bound entity name on the policy is the same name that a refund will be issued to. An incorrect theory regarding issuing refund checks, the…


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Accelerating Change

Jun 22, 2022

We are always being told that “Change is constant.” Twenty years ago, I personally added to this phrase – “Change is constant; only the velocity varies.” Actually, “velocity varies” implies there is a possibility that the rate of change might slow down. This is not true, it only accelerates. The telephone was invented in 1876,…


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Commercial Lines Business Extender – MHC-500Plus & CCIC-500Plus

Jun 7, 2022

 Business Extender for SMP, BOP, and Commercial Fire Our Business Extender can give the insured that little bit extra that can really make the difference during a claim.  For an additional premium (SMP/CF $275 and BOP $225 or about $9-$11 per coverage) twenty-five additional coverages are offered.  The extender coverage applies in excess over other…


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It’s Not Paranoia If They Really Are Out To Get You

Jun 4, 2022

The prevalence of cyber-attacks is almost unavoidable. Some cyber-attacks are so large or significant that they can make the TV news but if you are anything like me you have had your friends tell you their Facebook account was hacked, or you have received a data breach notification email from some website to which you…


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Let’s Drift!

May 31, 2022

Drift = Do It Right The First Time! We are all so busy trying to service our clients up to their satisfaction. Sometimes it seems like there is not enough hours in our days to take care of the things that need to be taken care of. Our tendency is then to “rush” to get…


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Planning a getaway? Check out these tips so it can be stress-free!

May 24, 2022
Planning a getaway? Check out these tips so it can be stress-free!

No one wants to return from a vacation to find that something has gone wrong back home. An empty house or structure is unfortunately an ideal target for criminals. Here are a few preventative measures to ensure a situation like this does not ruin your trip!


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You Can Help Us, Help You. . .

May 7, 2022

All of us are busy and like to be able to get the next “task” at hand done as quickly as possible. None of us like to feel like things are taking longer than they need to get the information we need, or our situation resolved. When contacting Statewide Underwriting Services (SWUS) providing basic information…


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BINDING AUTHORITY SUSPENDED: Tropical Storm Henri

Aug 22, 2021

Please be advised that we are monitoring Tropical Storm Henri as it tracks north along the eastern seaboard of the continental United States and the eastern maritime provinces of Canada. We are taking the following underwriting precaution: We are suspending all agent’s binding authority for all lines of business effective Saturday, 08/21/21 @ 8 pm until Sunday,…


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Holiday Hours | Independence Day 2021

Jul 1, 2021

In honor and celebration of Independence Day, please note our holiday hours: Friday, July 2, 2021 – CLOSED Monday, July 5, 2021 – CLOSED **Please note that you can always report a claim by calling our 24-Hour claim phone # 800-721-5001 x2. Thank you for your business.  Be Well & Be Safe this Holiday Weekend!…


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Commercial Lines Rate Changes

Apr 30, 2021

Statewide Underwriting Services is implementing important changes to our Mid-Hudson Co-Operative Insurance Co. for BOP & SMP lines of business (and) Claverack Cooperative Insurance Co. for BOP lines of business.


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Personal Lines Credits | Now Available

Mar 18, 2021

We have some exciting developments in our Personal Lines department. Effective immediately, we will be implementing the following credits when applicable for all eligible new business and renewals. Available Personal Lines Credits: All companies – 5% loss-free credit on all personal lines business, excluding Mobile Home. **Eligible with 3-year loss runs at Underwriter discretion. Claverack-Dwelling…


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