One of the best ways to purchase insurance is by being armed with a lot of information. You need information about your deductibles, coverage limits, and prices in order to make an informed decision. That’s how our NY Twin Bridges Insurance Agency’s independent insurance agents make the difference. They act as advocates for you before, during, and after you purchase insurance from us.

Independent Insurance Agents Are Customer-Centric

Our independent insurance agents work hard to make sure that you are satisfied when you purchase insurance from us. They walk you through the process and make sure you understand what is included in your policy. They know that having the right coverage when you need it is important because they are customers too.

Our Agents Provide You Competitive Quotes

When you work with an independent insurance agent, you will automatically get multiple quotes for coverage. They work with a number well-known insurance companies, so the coverage you choose will be competitive and reputable.

After providing you with quotes, our agents will work with you to determine which coverage best meets you need. They want to make sure you don’t simply purchase a policy you don’t understand or don’t want.

They Follow Up with You After Your Purchase

You can outgrow or need more insurance as your life progressive. As a result, our independent insurance agents proactively conduct policy reviews each year to ensure that your current policy continually meets your needs.

When you are ready to get protected, our independent insurance agents are just a phone call away. They are insurance experts ready to help you get the coverage you need to continue driving or to ensure your home. You can also use our online quoting system to get a quote if you find it more convenient.

For all small business owners there is always a chance that an employee may end up getting injured on the job. That being said, having a commercial policy in place that helps to cover the costs and medical bills of any employee if they are injured on the job is a must.

Workplace injury can end up costing any company thousands of dollars and without the proper insurance coverage, it may cost you more. Keeping this in mind, a great policy from a company like NY Twin Bridges Insurance Agency in the Schenectady, NY area can help business owners protect their company and keep their best interest in mind.

There are a few ways that you can help prevent workplace injury and the first is proper employee education. It is crucial that you take the time to tell employees what practices are safe, what are dangerous, and what they can do to keep themselves safe while they are on the job. On top of that, you also need to make sure that you take the time to provide employees with a safe environment where injury is not likely to occur.

Having a great insurance policy in place is protection for both the small business owner and for employees as it can help to pay bills that neither want to pay and can help your employees get the compensation that they need to get better and to get back to work without having to worry about how they are going to pay their high medical bills.

Your insurance agent can discuss with you what policies are available and what policies are going to help you to get the coverage you need to keep your business and your employees protected.

There are a lot of life insurance myths that you need to uncover in Albany, New York. This will give you more confidence as you shop for a policy knowing that it is going to provide you with sufficient protection.

Life Insurance is for Older People

Somewhere along the line, a myth developed that life insurance is only for older people. This is not accurate at all. You want to make sure that you are protecting your family regardless of what your age is – and therefore having a policy even in your 30s and 40s can be extremely beneficial.

Health is Critical

While health does play a role within life-insurance, it is not going to be the difference between being able to get a policy or not. Plenty of insurance companies will offer a policy even if you have a serious illness. However, the coverage may be lower and premiums may be higher.

Employer-Provided Polices are Enough

It is great if your employer provides you with a life insurance policy. However, you need to know what kind of coverage you have, it may only be one or two times your salary. Additionally, it may only be a term policy and may disappear once you leave the company, leaving you with no coverage at all.

Most Affordable Policies are Online

There is a myth that the most affordable policies are found online only. While there are some affordable premium prices available online, you have to look at what is going to work best for you. It’s a good idea to make some comparisons between the quotes that you get from multiple companies.

At NY Twin Bridges Insurance Agency, we look forward to helping you find an affordable life insurance policy that you can count on. Call today and speak to one of our agents for individual assistance.

Albany summers can get very hot. When you are in upstate New York, you may have several pets or just one. Either way, you want to make sure that your pet is well protected against all of the heat during the summer months.

The heat can get significant, and even if your pets are inside, you want to make sure that they have access to plenty of cool water. This will keep them well hydrated. As another way to keep them hydrated, you can mix wet food into their otherwise dry food to sneak in some additional water.

Take a look at their gums from time to time. If their guns are slimy, they are healthy. If they are very dry, it is generally a sign that they are overheating.

When you take your pets outside, make sure they have access to water, and shade. Try to give them exercise in the morning and evening hours so that they are not out in the middle of the day.

Take a trip to the pet store and look at what they offer for protecting the feet of your pets. The paw pads can be very sensitive to hot concrete and therefore you want to offer some kind of protection. They make booties, pads, and various other things. Choose something that your pets can actually walk in comfortably.

Summers in Albany also means more bugs, including mosquitoes, fleas, and ticks. Make an appointment with the vet in order to get your pet on preventative medication. You may also want to take that time to talk to the vet about other things that you can do to protect your pet based upon the breed.

Call us at NY Twin Bridges Insurance Agency today to learn more about how we can protect your pets and your family. We’re here to help you find affordable home policies in Albany.

Millions of people call New York their home. There are many large cities and even smaller ones that offer a quieter way of life. Regardless of what city or town you call your home, it’s important to know how to shop for life insurance.

There are several terms you want to familiarize yourself with in order to know more about the insurance.

Award: The amount of the life insurance policy when it is paid to a beneficiary

Term life: Survivor benefits are paid for a specific term

Whole life: Survivor benefits are paid regardless of a term and there is a cash value

Term life policies are the least expensive and there is no cash value if you stop making the payments. The term is only valid for a certain number of years and this is a term that you have to identify early on.

If you choose whole life (or universal), you will have the protection for life as long as you can maintain the payments.

There’s a lot to decide and when you get online quotes; it can help you understand the costs as well as make some comparisons. You have to decide between term and whole life insurance in New York and decide on the company to go with as well.

We have insurance agents to help you with all of these decisions. You want to have a policy that is able to protect your loved ones. In the event of your death, you want to make sure you have the financial protection to cover them.

Let us help you get online quotes so that you can make comparisons and weigh the pros and cons between the different types of insurance that is available.

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Many businesses approach cyber security in a nonchalant manner in Albany, New York, mostly because managers think that the likelihood of getting hacked is slim to none, so they think they don’t need this type of business insurance. The truth is data breaches are common and the costs are phenomenal. Price Waterhouse Coopers estimates that companies average about 135 incidents each year, but they surveyed many companies that were not aware of a breach until notified by the FBI. Data incidents are happening more frequently, and some businesses are not aware of the threats.

How Data Breaches Impact Your Business
Data breaches reach beyond the IT department in many companies; the potential for risks are increased. If you consider the fact that networks allow users to access information on your network, the problem grows larger. Data breaches, even those resulting from minor operations disruptions, result in costs associated with:

•    Loss in productivity
•    Rebuilding your brand 
•    Fees for failing to comply with government regulations
•    Forensics used to track and remove the threat

In fact, Price Waterhouse Coopers estimates that the average cost to a company recovering from a cyber-attack is about $415,000. Fortunately, purchasing data breach insurance will help your organization save money when it comes to getting your business back operational.

Protect Your Business by Aligning with an Independent Agent
Independent agents offer a vastly different service from captive insurance agents, or agents who typically represent one company and offer limited services. If your business is concerned about the potential for cyber threats, contacting our local office is your first step to taking the necessary measures to ensure you are protected. After a thorough assessment of your business needs, our agents may be able to help you protect your business from cyber threats, threats to your property due to weather, and car accident in Albany, New York.

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