In the News
Business Profile: The Wood Office 07-16-2012
The Lansing Star Online January 16th, 2009 Business Profile: The Wood Office By Dan Veaner P.W. Wood & Son, Inc. has been selling insurance in Tompkins County since Percy Wood first opened 'The Wood Office' in 1853. That part hasn't changed. But s...
The Lansing Star Online January 16th, 2009 Business Profile: The Wood Office By Dan Veaner P.W. Wood & Son, Inc. has been selling insurance in Tompkins County since Percy Wood first opened 'The Wood Office' in 1853. That part hasn't changed. But s...
Have an "Umbrella" to protect you from the liability rain! 03-04-2011
What amount of money will you be required to pay out when you are found negligent? There is no easy answer to this question, and whether for your business or your personal needs, you should have Umbrella or Excess liability coverage in addition to yo...
What amount of money will you be required to pay out when you are found negligent? There is no easy answer to this question, and whether for your business or your personal needs, you should have Umbrella or Excess liability coverage in addition to yo...
Six Hours can give you 3 Years of Savings! 01-07-2011
In 2005, New York State had one of the highest average car insurance rates in the country (National Association of Insurance Commissioners). Factors like area accident rates and location can affect even the perfect driver’s premium.The New York Sta...
In 2005, New York State had one of the highest average car insurance rates in the country (National Association of Insurance Commissioners). Factors like area accident rates and location can affect even the perfect driver’s premium.The New York Sta...
Their bite is worse then their bark 05-17-2010
As this week, May 16-22, is National Dog Bite prevention week I thought this was a good topic for discussion and wanted to share a personal experience I had with this very subject matter.While on an adventure south during a spring break trip, I stopp...
As this week, May 16-22, is National Dog Bite prevention week I thought this was a good topic for discussion and wanted to share a personal experience I had with this very subject matter.While on an adventure south during a spring break trip, I stopp...
Its a bad Environment to do business in. 04-30-2010
With the massive oil slick containing hundreds of thousands of gallons of oil bearing down on the gulf coast I thought it was a good time to talk about Environmental Liability coverage. Now, I know that most small businesses are not faced with the po...
With the massive oil slick containing hundreds of thousands of gallons of oil bearing down on the gulf coast I thought it was a good time to talk about Environmental Liability coverage. Now, I know that most small businesses are not faced with the po...
Your skill is what can get you into trouble! 04-05-2010
During an economic downturn, especially a protracted one such as we are in now, many individuals turn to working from home as the new means of employment. In fact many companies will "down size" only to hire back an employee as a contractor to do the...
During an economic downturn, especially a protracted one such as we are in now, many individuals turn to working from home as the new means of employment. In fact many companies will "down size" only to hire back an employee as a contractor to do the...
Spring brings flowers, birds, greenery and oh yeah Flood! 03-19-2010
Last Friday evening was a beautiful spring (almost) evening here in Central New York, and flooding was the furthest thing from my mind with the sunny blue skies over head. That was until I ventured up to the new shed I built last year to rescue one o...
Last Friday evening was a beautiful spring (almost) evening here in Central New York, and flooding was the furthest thing from my mind with the sunny blue skies over head. That was until I ventured up to the new shed I built last year to rescue one o...
Protect yourself through "No-Fault" of your own. 03-12-2010
Many states including New York are known as "No-Fault" states when it comes to coverage under your Personal Auto (PA) policy. This "No-Fault" status was brought on in the 1970's to help ensure that persons injured in auto accidents would have prompt ...
Many states including New York are known as "No-Fault" states when it comes to coverage under your Personal Auto (PA) policy. This "No-Fault" status was brought on in the 1970's to help ensure that persons injured in auto accidents would have prompt ...
Leases and their insurance pitfalls - Part 1 - Liability 03-12-2010
Leases, especially commercial, can present some very unique coverage issues for the tenants and thier insurance polices. In the next several additions of Risk Notes I will address some of the issues faced by the lesee as respects to their insurance c...
Leases, especially commercial, can present some very unique coverage issues for the tenants and thier insurance polices. In the next several additions of Risk Notes I will address some of the issues faced by the lesee as respects to their insurance c...
How can I save money on my Car Insurance? 03-05-2010
Affordable personal auto insurance in today's economy can be a moving target. Here are 5 areas you can control to help you maintain the costs of your auto insurance without sacrificing critical coverage protection for you and your loved ones.Driving ...
Affordable personal auto insurance in today's economy can be a moving target. Here are 5 areas you can control to help you maintain the costs of your auto insurance without sacrificing critical coverage protection for you and your loved ones.Driving ...
"Lights, Camera, Claim Settled!" 02-26-2010
The aftermath of a fire or natural disaster is not the time you want to be trying to remember all the treasures and possessions you have accumulated over a lifetime. Now is the time you should be preparing for the possibility of a catastrophic proper...
The aftermath of a fire or natural disaster is not the time you want to be trying to remember all the treasures and possessions you have accumulated over a lifetime. Now is the time you should be preparing for the possibility of a catastrophic proper...
"Employee or Independent Contractor; Do I need Workers' Compensation Insurance?" 02-19-2010
A very common question we get here in our agency is "Do I need Workers' Compensation Insurance for this person I occasionally hire to do work for me?" More often then not our answer is yes, because of the guidelines set by New York State.There are 5 ...
A very common question we get here in our agency is "Do I need Workers' Compensation Insurance for this person I occasionally hire to do work for me?" More often then not our answer is yes, because of the guidelines set by New York State.There are 5 ...
Your Cell Phone is for more than calling in the claim! 02-11-2010
The rapidly expanding capabilities of cell phones in today’s world are mind boggling to say the least. Calling, texting, email, pictures, video and web browsing are all just the tip of the iceberg. As the saying goes “We’ve only just begun”; ...
The rapidly expanding capabilities of cell phones in today’s world are mind boggling to say the least. Calling, texting, email, pictures, video and web browsing are all just the tip of the iceberg. As the saying goes “We’ve only just begun”; ...
Don't Forget to "Renovate" your Homeowners Coverage 10-16-2009
Given the current economic times, flat or decreased housing sales & tight credit, many homeowners are putting money back into there homes in the form of remodeling projects. These can be anything from just general maintenance jobs to full blown a...
Given the current economic times, flat or decreased housing sales & tight credit, many homeowners are putting money back into there homes in the form of remodeling projects. These can be anything from just general maintenance jobs to full blown a...
A good time to Take Stock! 09-18-2009
In my role as a business insurance advisor, I am often asked when insurance coverage should be reviewed. Most people assume the best time is at renewal and this tends to be the time most do. However, the renewal is often the time we are the most pric...
In my role as a business insurance advisor, I am often asked when insurance coverage should be reviewed. Most people assume the best time is at renewal and this tends to be the time most do. However, the renewal is often the time we are the most pric...
What's the Big ID! 07-01-2009
No matter where you look, listen or watch today, someone is warning you about Identity Theft. It is one of the fastest growing crimes, made even worse by today’s economic conditions. The Federal Trade Commission (FTC) estimates that over nine milli...
No matter where you look, listen or watch today, someone is warning you about Identity Theft. It is one of the fastest growing crimes, made even worse by today’s economic conditions. The Federal Trade Commission (FTC) estimates that over nine milli...
Summer rental...what about my Stuff! 06-19-2009
Summer is here and it is time to get the family in the van to hit the open road. Whether you travel to the cabin in the mountains or the condo on the beach one thing is for certain, to paraphrase the comedian George Carlin, you will be bringing a lot...
Summer is here and it is time to get the family in the van to hit the open road. Whether you travel to the cabin in the mountains or the condo on the beach one thing is for certain, to paraphrase the comedian George Carlin, you will be bringing a lot...
Don't "Volunteer" for trouble! 06-12-2009
Volunteering is as American as apple pie. Whether its staffing the rummage sale at church, coaching kids on the baseball team, or serving on the board of the United Way, most of us genuinely like to jump in an lend a hand. It is one of the features ...
Volunteering is as American as apple pie. Whether its staffing the rummage sale at church, coaching kids on the baseball team, or serving on the board of the United Way, most of us genuinely like to jump in an lend a hand. It is one of the features ...
Look past the limit of liability and see the all the coverage! 06-04-2009
Too often when it comes to liability insurance, clients see the limit of insurance as all that they are buying. When they are in the purchasing phase of the insurance buying cycle often they base their decision on limit vs. cost. While at this crit...
Too often when it comes to liability insurance, clients see the limit of insurance as all that they are buying. When they are in the purchasing phase of the insurance buying cycle often they base their decision on limit vs. cost. While at this crit...
"Do I need Employment Practices Liability Insurance for my business?" 05-28-2009
The current economic downturn and its resulting job losses have spurred the fears of employers. As jobless numbers increase so does litigation against employers by disgruntled former employees seeking redress for issues, both justified and unjustifie...
The current economic downturn and its resulting job losses have spurred the fears of employers. As jobless numbers increase so does litigation against employers by disgruntled former employees seeking redress for issues, both justified and unjustifie...
"What have you got to lose?" Part 1 05-22-2009
Inevitably, every client of every insurance agent will ask the question " . My answer is as much as you can afford. This answer is a little tongue and cheek of course, but no less relevant. The path to insurance limit enlightenment starts with a...
Inevitably, every client of every insurance agent will ask the question " . My answer is as much as you can afford. This answer is a little tongue and cheek of course, but no less relevant. The path to insurance limit enlightenment starts with a...
"Should I buy the insurance when I rent a car?" 05-07-2009
This is a question we are frequently asked by our Personal Auto clients. The answer is not always an easy one, especially for anyone insured on an automobile policy here in New York State (now there's a surprise). One important fact applicable t...
This is a question we are frequently asked by our Personal Auto clients. The answer is not always an easy one, especially for anyone insured on an automobile policy here in New York State (now there's a surprise). One important fact applicable t...
"My employees would never steal from me...we're a family!" 04-20-2009
Sadly this is the common philosophy that permeates most small business owners today and unfortunately nothing could be further from the truth. The Real Risk One of the leading areas of loss to small business today is from employee theft. This i...
Sadly this is the common philosophy that permeates most small business owners today and unfortunately nothing could be further from the truth. The Real Risk One of the leading areas of loss to small business today is from employee theft. This i...
"I don't need insurance, for my home based business....my Homeowners Insurance covers me, right?" 04-08-2009
THE REAL RISK Sadly the above statement is a common misconception by most insured’s, or should I say uninsured’s, who have a business they operate out of their home. In today's economic climate, with massive layoffs and corporate downsizing,...
THE REAL RISK Sadly the above statement is a common misconception by most insured’s, or should I say uninsured’s, who have a business they operate out of their home. In today's economic climate, with massive layoffs and corporate downsizing,...
Market Value vs. Assessed Value vs. Replacement Cost...what do they all mean! 03-27-2009
At least once a week one of our clients will come to us with a concern about the amount of insurance they have on their home or commercial building. Often it starts with a statement similar to this: "I just received our renewal policy; I could never ...
At least once a week one of our clients will come to us with a concern about the amount of insurance they have on their home or commercial building. Often it starts with a statement similar to this: "I just received our renewal policy; I could never ...
