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Featured New York Insurance Blog

What Is an Auto Insurance Lapse?

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We all have times when some things slip our minds, but letting your auto insurance lapse can ultimately be costly. We’ll discuss what defines a lapse, the potential consequences of letting auto insurance lapse, and ways to avoid it. Access Legacy Insurance Group in Brooklyn, NY is here to assist. 

What Is an Auto Insurance Lapse?

An auto insurance lapse refers to any amount of time that you have a registered vehicle but don’t have current insurance coverage. Some reasons you might have let this happen are missing a payment; you get deployed, your policy running out, you sold your car, no longer driving, or other reasons. As a result, your policy will be canceled by the insurance provider.

Potential Consequences of Letting Auto Insurance Lapse

There are several potential consequences of a lapsed policy, including no financial protection if an incident occurs. In most states, a minimum of liability level car insurance is required, and penalties and fees and even suspension of your driver’s license can occur should your coverage lapse. Many insurers see customers with lapses as being riskier customers. This means almost certainly facing higher insurance premiums when obtaining a new policy.

How Can Auto Insurance Lapses Can Be Avoided

Ideally, it’s best to not let your coverage lapse at any point. However, if it has, there are a few ways to stay mindful of when your payments are due and keep them on track at all times. Maintaining auto insurance can avoid certain costs and perhaps, even save you money. These include:

  • Take Advantage of Grace Periods
  • Sign Up For Email Reminders
  • Consider Autopay
  • Keep Your Budget in Mind

Has Your Auto Insurance Lapsed? Call Us!

If your car insurance policy has lapsed for any reason, we can help you with a new policy. Contact Access Legacy Insurance Group in Brooklyn, NY to talk to an agent today.

Which businesses are exempt from needing to carry workers’ compensation insurance?

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Employees who are injured in the workplace rely on workers’ compensation to recover medical bills and lost wages. Workers’ compensation is a no-fault system that doesn’t punish the employer or the employee and is there simply to ensure that individuals in the workforce get the care they need. 

If you have a small business in Brooklyn, NY, you are probably required to carry workers’ compensation insurance. Access Legacy Insurance Group can help you figure out if you are required to carry a policy and what your options are.

Which Brooklyn, NY Small Businesses Are Required To Carry Workers’ Compensation Insurance?

All New York profit and nonprofit companies must carry workers’ compensation insurance. This coverage is for everyone, including full-time employees, part-time employees, seasonal employees, and even unpaid interns. 

Even family members who are working for the company must have protection in case they are injured. 

Who Is Exempt?

There are some exceptions where your business may be excluded from needing to carry workers’ compensation insurance:

  • A sole proprietor is not required by law to carry workers’ compensation insurance.
  • A partnership may be excluded.
  • A business owned by one or two people, with these individuals owning all stock and controlling interests, may be excluded.

There are also some specific exemptions for nonprofits, such as for clergy performing religious duties or supervising an athletic organization. 

What Does Workers’ Compensation Provide?

Workers’ compensation covers everything from medical bills to funeral costs to lost wages. Injuries caused by repetitive work are included.

Make sure that your business is in compliance with state law while also protecting the people you depend on to make your company work. If you have any questions about workers’ compensation or any other kind of New York commercial insurance, please feel free to call Access Legacy Insurance Group today.

Four mistakes to avoid when it comes to renters insurance

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If you rent your home in Brooklyn, NY, you need to do your research on renters insurance and understand how important it is to carry this type of insurance coverage. You can rely on us at Access Legacy Insurance Group for this type of insurance coverage.

Here are four mistakes that consumers should avoid when it comes to renters insurance:

Being unaware of the actual cash value of your possessions

When you get renters insurance, it’s best to purchase enough coverage to cover the total value of the possessions you keep in your rental unit. That’s why it’s important for you to know approximately what the actual cash value is for all your possessions.

Going without renters insurance

Consumers frequently assume that renters insurance isn’t necessary in their situation. However, it’s risky to go without renters insurance since renters can face high expenses due to liability issues in their rental units. 

Thinking that the cheapest policy is necessarily the best

Purchasing adequate coverage from an insurance provider with a good reputation is important. That’s why you shouldn’t decide on which policy to purchase by considering premium costs alone. 

Renewing your policy down the road without reviewing your coverage needs

Renewing your policy at the end of the policy term is important. However, you should review coverage details and options before renewing because your renters’ insurance needs may have changed since you first bought your policy.

You’ll definitely want to update your coverage if you have acquired high-value possessions since you bought your policy and you want to make sure that these new possessions are covered. 

Reach Out To Us

At Access Legacy Insurance Group, we can provide you with the renters’ insurance you need to cover your liabilities and protect the value of your belongings. Contact us for a quote on a renters insurance policy in Brooklyn, NY. 

Boating in New York City

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When people think of New York City they often think of the skyscrapers and bright lights of Times Square. But it’s also a great place to go boating. Brooklyn is surrounded by water on three sides, after all with a few islands on the east. Liberty State Park is technically New Jersey territory, but very close to Brooklyn and you can cruise by the Statue of Liberty on Ellis Island. The lake at Prospect Park rents pedal boats and kayaks, but boating is allowed seasonally. Cruising the East River will give you a great view of the skyline as well as the historical Kip’s Bay. Just remember to follow a few rules while you’re out there. 

Wear Your Life Jacket

This isn’t merely a good idea or a strong suggestion. It is legally required in New York for all vessels no matter what size for everyone on board to have one U.S. Coast Guard-approved life jacket. 

Register Your Boat 

If your vessel is propelled wholly or in part by mechanical means, then you need to register it with the New York Department of Motor Vehicles. The registration sticker goes on the port bow and the starboard bow. 

Right of Way

Vessels that are unable to maneuver have the right of way. Vessels with restricted ability come next. Commercial fishing vessels (as opposed to sport fishing) come next. Sailboats are next with power vessels given the lowest priority. 

No Dumping

As bad a reputation as NYC rivers have, they don’t add to the pollution. The rumors about alligators in the sewers are unfounded, but the spread of invasive species is no joke, do not dump fish, bait, animals (including humans!) or plants in the water. Be careful when fueling so as not to get any in the water. 

Access Legacy Insurance Group Serving Brooklyn, NY

If you are living in Brooklyn, NY, consider getting it insured with Access Legacy Insurance Group. We will be happy to help! 

Who needs to have flood insurance in Brooklyn?

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Real estate has been a good investment in the Brooklyn, NY area for a long time. When you are going to purchase a property here, either as your residence or as an investment, it is very important that you get the right insurance for it. A type of coverage you always need to get here is flood coverage. It is important to be aware of certain situations when this is a necessity for you to have. 

When Required by a Lender

A situation when you need to have flood insurance is when it is required by your mortgage lender. Any mortgage lender today is going to require you to carry proper insurance for your home. If it is determined that your home is in an area that has a higher risk of flood damage, this requirement will extend to having flood insurance. If it is required, most lenders will require that you have your payments escrowed monthly. 

When Concerned About Flood Damage

It is also a good idea that you have a flood insurance plan if you are concerned about flood damage. If you believe that your home is prone to flood risk, you will want to be assured you are covered for this risk. With flood coverage, you will be able to mitigate this concern. 

Consult With Us

When you are going to get a new flood insurance plan when you are in the Brooklyn, NY area, you will want to know that you are choosing an ideal plan for your situation. To do this, you should call our team with the Access Legacy Insurance Group. At the Access Legacy Insurance Group, we know how important it is that you select the right plan. We can offer the guidance that you need to build the right policy to meet your needs. 

10 Safety Tips For Driving in the Rain

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Driving in the rain can be dangerous for everyone on the road. Rainy conditions reduce visibility, compromise traction, and increase the potential for accidents. To promote road safety and empower drivers to navigate wet roads with confidence. Access Legacy Insurance Group in Brooklyn, NY is here to assist with your auto insurance needs and safe driving tips. 

Here are some driving safety tips for when those rainy days decide to tag along:

Reducing Speed

Rainy conditions lead to slippery roads and reduced traction, so it’s important to be cautious with the gas pedal to prevent skidding.

Give Space

Allow some space between you and the car in front of you. This will act as a cushion just in case things get slippery.

Headlights – Turn On

This will help enhance your visibility and also ensure that you’re visible to others.

Tires

A good tire will help with traction on those sleek roads.

Braking Smoothly

Breaking hard may cause you to end up skidding all over the road.

Cruise Control

It is often considered everyone’s buddy, right? However, when faced with rain, we strongly recommend avoiding using it.

Choose the Tracks ahead of you

This will help your journey go smoother and more securely.

Swaying like a Boat

Stay calm, ease off the gas, and point the car in the direction you want to travel. You should be good to go.

Defogging Your Windows

A foggy window can lead to a hazardous situation.

Puddles may Seem Harmless

But some could be hiding pothole surprises; better safe than sorry.

Keep Your Auto Insurance Updated

Let’s connect today and make sure you and your loved ones are prepared, rain or shine. Reach out to us today at Access Legacy Insurance Group serving Brooklyn, NY and the surrounding areas. We are here to assist you with all your insurance needs. 

Can Worker’s Compensation Cover Vaccinations for Work-Related Exposure?

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If you want to prepare to cover your employees for potential exposure to biohazardous materials at work, Access Legacy Insurance Group in Brooklyn, NY is here to help. Our agents are happy to assist you with figuring out how our worker’s compensation policies might be able to cover the costs of these types of emergencies.

Although every policy has specific terms and limits, we can speak to general coverage for worker’s compensation policies to inform your decision-making process.

What is worker’s compensation?

Worker’s comp, also known as “worker’s compensation insurance,” exists to cover injuries and illnesses related to workplace injuries and hazardous exposure. In general, worker’s comp may be able to cover medical expenses, loss of wages, continuing medical care expenses, and funeral costs. Each policy has specific terms and limits, so you’ll need to review the terms outlined in your policy to know exactly what your worker’s comp insurance covers for your employees.

Can worker’s compensation insurance cover immunizations for work-related exposure?

Depending on the type of hazard and injury, worker’s comp may be able to cover vaccinations related to the exposure. As long as the immunization doesn’t count as first aid and does count as medical treatment, it may be covered by worker’s compensation. For example, tetanus immunizations could be considered first aid. Because of this, they may not count for coverage under worker’s compensation in some cases. Some immunizations such as rabies or hepatitis b vaccinations could be medical treatment. Because of this difference, they might be covered by worker’s compensation insurance. You’ll have to take a look at your worker’s compensation policy terms for details.

Contact Us Today

If you’re interested in our worker’s compensation insurance policies at Access Legacy Insurance Group in Brooklyn, NY, call our office today.

My landlord already has insurance. Why should I get renters insurance?

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Renters insurance from Access Legacy Insurance Group is an invaluable resource for tenants here in the Brooklyn, NY area.

Benefits of Renters Insurance

It provides financial protection if your belongings are damaged or stolen, and it may even cover you in the event of certain types of liability claims. Although your landlord may already have their own insurance policy, it likely will not cover any damage to your personal property, injuries that occur inside your rental unit, or other costs if you are found liable for damages in a lawsuit. 

Renters insurance is relatively affordable and can give you peace of mind knowing that you’re covered should something unexpected happen. Most policies cover the cost of replacing your belongings should they be stolen, damaged by a fire or natural disaster, or accidentally destroyed. Additionally, some policies provide coverage for medical bills or damages if someone is injured while inside your rental unit. 

Overall, having renters insurance is an important step in protecting yourself and your belongings from unexpected events. Even if you trust that your landlord has their own insurance policy in place, it’s best to safeguard yourself by investing in renters insurance as well. Without it, you might be responsible for any property damage or injuries that occur on the premises. In these cases, you may be personally liable and financially responsible for the entire amount, which could mean a substantial financial burden if a lawsuit is filed against you. 

Reach Out To Us

For more information, give us at Access Legacy Insurance Group a call today. We are proud to serve the Brooklyn, NY area and would be happy to help you find a policy that meets all of your needs as well as your budget. So call today!

A Comprehensive Guide to Boat Insurance

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Owning a boat is a significant investment, and protecting that investment is crucial. Access Legacy Insurance Group in Brooklyn, NY provides valuable insight into boat insurance to help you make informed decisions. This comprehensive guide explores details and facts about boat insurance to protect your valuable asset.

Types of Boat Coverage

Boat insurance offers a variety of coverage to cater to your specific needs. Some common coverage options include:

  • Liability coverage: Protects you from financial responsibility in case of property damage or bodily injury to others caused by your boat.
  • Collision coverage: Covers the cost of repairing or replacing your vessel if it is damaged in an accident.
  • Comprehensive coverage: Offers protection from non-collision-related damages, such as theft, vandalism, or natural disasters.
  • Uninsured/Underinsured boater coverage: Ensures protection if you are involved in an accident with an uninsured or underinsured boater.

Factors Affecting Coverage

Our insurance providers consider various factors when determining the appropriate coverage for your boat. These factors include:

  1. Boat type and size: Larger or more powerful boats typically require higher coverage levels.
  2. Usage: How and where you use your watercraft affects coverage needs, such as whether it is for recreational purposes, fishing, or watersports.
  3. Storage and transportation: The location and method of storing your boat impact coverage requirements.

Customizing Your Policy

Tailoring your boat insurance policy to your specific needs makes a difference. Access Legacy Insurance Group in Brooklyn NY, make sure that you understand the available options, and we will customize your policy accordingly. Consider additional endorsements, such as towing and assistance coverage, personal property coverage, or fishing equipment coverage, to enhance your protection.

Navigating the Process

Selecting the right boat insurance policy involves understanding your needs and working with an experienced insurance provider. By evaluating your boat’s value, usage, and storage, you can determine the appropriate coverage levels for your unique situation.

Take Action by Calling Our Team Today

Begin the process of securing comprehensive boat insurance coverage by reaching out to our knowledgeable insurance providers in Brooklyn, NY. Protect your investment while enjoying your time on the water. Call Access Legacy Insurance Group now!

If my car is damaged in a flood, will flood insurance pay for the damage?

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Flooding is a common natural disaster. Many people lose their homes and personal belongings to flooding every year. Our team at Access Legacy Insurance Group is dedicated to helping Brooklyn, NY residents understand the benefits of flood insurance as well as what’s covered. 

What is Flood Insurance?

Flood insurance is simply property insurance designed to cover property and structural loss that results from flooding. Flood insurance is a separate standalone insurance unrelated to homeowners insurance or other forms of insurance. It’s designed to provide coverage specifically for damage that occurs as a result of water damage.

Flood insurance covers structural damage (house), as well as personal items and belongings. This insurance can cover the repair or rebuild of your home. It also covers appliances and other items in your home as well as your foundation, plumbing, and electrical systems. The coverage is comprehensive. Most flood insurance coverage is provided through FEMA under the National Flood Insurance Program (NFIP). However, you can also obtain flood insurance through private insurance companies. 

If my car is damaged in a flood, will flood insurance pay for the damage?

No. Although flood insurance covers your personal belongings, it will not cover damage your car incurs from flooding or water damage. Typically, your car isn’t covered by flood insurance. Even if you purchase a rider for flood damage with your home insurance, your car isn’t usually covered.

However, your flood-damaged personal items found inside your car are covered. Comprehensive auto insurance is typically the only form of insurance that will cover the repair of your flood-damaged car.

Looking for Flood Insurance in Brooklyn, NY?

If you have more questions regarding what’s covered by flood insurance, call us at Access Legacy Insurance Group. We’d be happy to answer your questions and help you explore your options. 

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