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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Commercial Insurance for Your Albany, NY Business

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No matter what type of business you own in Albany, NY, it’s essential to have the right commercial insurance coverage. Here’s the best way to determine which coverage is right for your business.

Liability Insurance

Liability insurance protects your business from claims that may arise from injuries or property damage resulting from your business operations. Your liability insurance covers the cost of legal defense and any resulting settlements or judgments if found liable for damages. Without liability insurance, your business is at risk. The NY Twin Bridges Insurance Agency can help you find the proper liability coverage to protect your company.

Property Insurance

Property insurance protects your company’s physical assets from fire, theft, or vandalism. If your business property is damaged or destroyed, property insurance will help you cover the cost of repairs or replacements. Without property insurance, you would have to bear the cost of repairing or replacing damaged or destroyed business property.

Business Interruption Insurance

Another type of commercial insurance important for Albany businesses is business interruption insurance. Business interruption insurance kicks in if your business closes temporarily because of a covered event like a fire or severe weather. This coverage can help reimburse you for lost income and expenses incurred during the shutdown period.

The bottom line is that all Albany businesses need commercial insurance coverage. Commercial insurance protects your business from various risks and can help keep your company financially afloat if something goes wrong. Get the best protection for your Albany business with an experienced independent insurance agent from NY Twin Bridges Insurance Agency. We can help you find the right coverage for your business at the best possible price. Contact us today for a free insurance quote.

I’m over sixty. Is it too late for life insurance?

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Investing in life insurance has many benefits, even if you’re older. For example, life insurance can help your loved ones pay for final expenses and more. However, as an older person seeking life insurance, you should be aware of some things. Our NY Twin Bridges Insurance Agency team can help Albany, NY residents explore life insurance and its benefits at any age.

What Is Life Insurance?

Life insurance can pay for final costs, like a funeral. It’s a contract between a life insurance company and a policyholder that pays a beneficiary money after the policyholder’s death. However, a beneficiary or policyholder can also receive cash under other circumstances. Some policies will issue a payout after a set period or if the policyholder becomes terminally ill. The terms of a life insurance policy vary according to the type of policy.

Does Age Matter When it Comes to Life Insurance?

Yes and no. You can still obtain life insurance at age sixty and beyond, but your premiums will be higher than they would be if you were younger. Some life insurance companies may opt not to insure you. However, many companies will still be willing to provide coverage. Many life insurance companies will insure people in their eighties. It’s best to ask questions and pay attention to the details to determine what’s best for you as a policyholder. Call us if you’re an older person with questions about life insurance. We can help you explore your options and provide you with all the information you need to make the best decisions for your unique situation.

Three Things You Didn’t Know About Your Auto Insurance Policy

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You probably know that your auto insurance policy is there to help you financially if you get into an accident. Unfortunately, most people sign on the dotted line and pay their premium without ever giving it a second thought – but that’s a mistake. Understanding what you’re paying for and what your coverage entails is essential. With that in mind, here are three things you probably didn’t know about your auto insurance policy.

1. Your Policy Covers More Than Just Your Car 

Your auto insurance policy isn’t just there to protect your car – it also protects you, as the driver. If you are involved in an accident, your auto insurance will cover any medical expenses incurred by you or your passengers, up to the limit stated in your policy. It will also provide liability coverage if you are sued by the other party involved in the accident. 

2. Your Premium is Based on More Than Just Your Car’s Value

When you get auto insurance, you must first decide how much coverage you want. Then, your insurance company will give you a quote based on several factors, including the car’s make and model, driving history, and credit score. Many people don’t realize that their credit score is a factor in determining their premium, but it is. Insurance companies view customers with poor credit as a risk, charging them higher premiums.

3. Rental Car Reimbursement Might Be Included in Your Policy

If you get into an accident and your car is damaged, you will need a rental car while yours is in the shop. Most people assume they have to pay for this out of pocket, but that’s not always the case. Some auto insurance policies include rental car reimbursement, which will cover the cost of a rental car while yours is being repaired.

Now that you know more about your auto insurance policy, it’s time to take a closer look at your coverage and ensure you have the proper protection. Contact NY Twin Bridges Insurance Agency today if you have any questions or need help finding the right policy in Albany, NY.

Reasons to Bundle Your Home and Auto Insurance

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When shopping for a home and automobile insurance, there are so many options that it can be confusing. Even worse, you may find different plans with different companies, so you may have no idea what to do. That being said, you may want to consider bundling your insurance policies. 

Here are some reasons why. 

  • It will save you money. Many companies offer discounts when you buy more than one policy with them. You could be saving as much as twenty-five percent on your insurance bill! 
  • You only have to deal with one company. If you have multiple companies, you may not know who you need to call when you have a problem. If you only deal with one, you can easily call the company to get your answers. You can even ask the same company questions about both policies instead of making two or three phone calls! 
  • You are less likely to get dropped if you have one insurance company for multiple things. If you get into multiple accidents or have numerous claims for your home, there is a chance that your insurance company will drop you. However, if they know that you pay for multiple policies, they are less likely to drop you because they want your business. 

You may not want to bundle your home and automobile insurance, but it may be a good idea. You can save a lot of time and money by doing so. It also helps with security.  

You need to speak to a professional to ensure you get the right plan at a reasonable price. Don’t hesitate to contact us today at NY Twin Bridges Insurance Agency in Albany, NY. 

What Life Insurance Policies Should I Consider?

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Life insurance is one of the most important investments to protect the things that matter most in life. That said, choosing the right insurance plan could go a long way in helping solidify your financial plan. In this blog, NY Twin Bridges Insurance Agency discusses different life insurance policies you should consider.

  • Term life insurance: This policy covers you for a certain period, which could be 5, 10, 20, or 30 years. This policy is ideal if you have a financial plan within a specified timeline. For instance, if you want to ensure your 20-year mortgage payment isn’t interrupted even when you die, you can pick a 20-year term life insurance policy. Once your term life insurance expires, you may renew the policy, but premiums will be higher.
  • Whole life insurance: This policy is permanent and covers you for life. If you die when the policy is active, your beneficiaries receive the death benefit to enable them to meet their financial obligations. Another plus of this policy is that it accumulates a cash value you can use to borrow against or supplement your retirement income.
  • Universal life insurance: This is much similar to whole life insurance, but you can adjust your premiums and reconfigure the death benefit within certain limits.
  • Variable life insurance: This policy offers lifetime coverage and accumulates a cash value. This policy combines the features of life insurance and investment. How so? The policyholder opts for the sub-accounts in which your funds should be invested, affecting your cash value. You can sometimes lose value, depending on the sub-account you choose.

Life insurance in Albany, NY 

Not sure which life insurance policy is suitable for you? Don’t worry. Please contact NY Twin Bridges Insurance Agency, and; we help you with all your life insurance needs.

Can I benefit from commercial insurance with two employees?

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Most business owners want to protect their businesses, regardless of their size. Protecting your assets is an important part of running and sustaining a business. Commercial insurance protects against losses and other situations that could significantly impact your business. Our NY Twin Bridges Insurance Agency team is committed to helping business owners understand the benefits of commercial insurance.

What is Commercial Insurance?

Commercial insurance protects your business from all kinds of losses, including theft, vandalism, lawsuits, and much more. Commercial insurance can protect injured employees and customers and provide workers’ compensation for injured employees on the job. However, small business owners may feel that their business is too small to invest in commercial insurance, but this isn’t necessarily true. Small commercial insurance is designed for small business owners who still want commercial insurance protection but may have a tiny business.

Small Commercial Insurance

Small business insurance, also referred to as BOP or business owners insurance, can provide the same protection that a commercial insurance policy can provide for larger companies. BOP can protect your business assets, property, income, and more. This is commercial insurance designed to protect small business owners. If you have questions regarding small commercial insurance or BOP, call us. We’d be happy to have an Albany, NY team member explain the benefits that commercial insurance could provide for your small business. Our team will take the time to sit down with you and discuss your options and concerns. We understand that many small business owners may be unaware of the benefits that commercial insurance provides for them.

I Have A Home Warranty. Do I Still Need Home Insurance?

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There are a lot of things to consider when you are deciding whether or not to buy home insurance. People often wonder whether or not they need home insurance if they have a home warranty. This blog post will explore the pros and cons of having both policies and help you decide which one is right for you.

What Does a Home Warranty Cover?

A home warranty is a service contract that covers the repair or replacement of major home systems and appliances. The most common things covered by a home warranty are the HVAC system, plumbing, electrical, water heater, and major appliances. Home warranties typically do not cover things like cosmetic damage or structural issues.

What Does Home Insurance Cover?

On the other hand, home insurance covers your home and belongings in the event of damage or theft. Home insurance also covers you if someone is injured while on your property. Unlike a home warranty, home insurance does not have a deductible covering cosmetic damage and structural issues.

Do You Still Need Home Insurance?

Now that you know what each policy covers, you may wonder if you need both. The answer to this question depends on a few factors. First, you should consider the value of your home and belongings. If your home in Albany, NY is worth a lot of money, it’s probably worth insuring.

Second, you should consider whether you can afford to pay for repairs out of pocket. A home warranty may not be enough if you can’t afford to pay for major repairs.

Finally, you should consider the risk of damage or theft in your area of Albany, NY. If your home is located in an area with a high crime rate, you may want to consider getting home insurance from a top-tier company such as NY Twin Bridges Insurance Agency.

Conclusion

There is no right or wrong answer regarding whether or not you should have home insurance if you have a home warranty. It ultimately depends on your individual circumstances. If you’re still unsure, call us at NY Twin Bridges Insurance Agency. We’ll be happy to help you figure out what’s best for you.

What Are the Different Types of Auto Insurance Fraud?

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Auto insurance fraud is a massive problem in the United States. It costs drivers billions of dollars annually and is responsible for increasing premiums for all drivers. Fraud can take many forms, from filing false claims to staging accidents. This article will discuss the different types of auto insurance fraud and how to protect yourself from becoming a victim.

1. False Claims

This is the most common type of auto insurance fraud. It occurs when someone files a claim for an accident or damage that didn’t happen. This can be difficult to catch, but there are some things you can look for. For example, if the damage doesn’t match the description of the accident, or if there are no witnesses to corroborate the story, it may be a false claim.

2. Staged Accidents

This type of fraud occurs when two or more people plan and execute an accident. This is usually done to file false insurance claims. The damage from the accident may be exaggerated or completely fabricated. Staged accidents can be dangerous, so it’s important to be aware of them.

3. Ghost Brokers

Ghost brokers are people who sell fake or fraudulent insurance policies. These policies often don’t provide the coverage they promise, and the customer may not find out until it’s too late. If you’re considering buying insurance from someone other than a licensed agent, get it from a professional company like NY Twin Bridges Insurance Agency in Albany, NY.

Conclusion

Auto insurance fraud is a severe problem in the United States. If you’re not careful, you could become a victim of fraud. Be sure to purchase your insurance from a licensed agent and be aware of the different types of fraud to protect yourself. At NY Twin Bridges Insurance Agency, we can help you get the coverage you need at a price you can afford. Contact us today for a free quote.

When to file an auto insurance claim

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Albany, NY residents count on NY Twin Bridges Insurance Agency for assistance when it comes to their insurance needs. This includes those unfortunate times when it is necessary to file a claim. If you have been involved in an accident and are struggling with the claims process, give us a call. We’re here to help!

Filing an auto insurance claim ABCs

If you have been involved in an accident and need to file an insurance claim, you may be dreading the idea of the entire process! If you keep these pointers in mind, you can reduce your stress level and get through the process with as few headaches as possible!

  • Keep complete records – having complete records, from the accident report to the repair bill can help simplify the process. In addition to making copies of any documents, it is also advisable to create a digital copy.
  • Work with a repair shop approved by your insurance carrier – many insurance carriers will allow you to work with the repair shop of your choice, but choosing one on their approved list can make things easier when it comes time to file your claim.
  • Sit down with your local agent – working with an agent that knows you and your situation can help to make the process go more smoothly.

Let us help!

If you are a client of NY Twin Bridges Insurance Agency in the greater Albany, NY area, we are here to help with your claim filing process. If you have any questions or would like some guidance on navigating the process, think of us as a resource. Call or stop by our office today!

Why regular maintenance is important for your car

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Motorists in the Albany, NY area understand the importance of maintaining their vehicles. At NY Twin Bridges Insurance Agency, we encourage all of our clients to perform regular maintenance on their cars. When a vehicle is properly maintained, it is much more reliable and provides a safer mode of transportation than a neglected car.

Benefits of regular car maintenance

The main benefit of regular car maintenance is having a safe means of transportation. When your car is getting regular check-ups that include 

  • oil changes,
  • tire rotation,
  • proper fluid level checks, and
  • alignment testing, 

the chances of having a car that lasts a long time without any major issues are much greater. Additionally, it is important to work with a mechanic, dealership, or repair shop that you can trust. When you have an ongoing relationship with your service provider, it is much easier to deal with any unexpected issues or problems that arise.

No one wants to experience breaking down on the side of the road, or being unable to get to work because of car problems. When you follow the typical car maintenance guidelines, including any factory recalls, it’s very likely that you will have fewer issues than someone who neglects their car maintenance responsibilities. 

Schedule your appointment today!

Another important part of caring for your car is maintaining the right insurance to protect your vehicle and yourself. If you live in the greater Albany, NY area, the team at NY Twin Bridges Insurance Agency would love to be your insurance resource. Let us help you with all of your insurance needs; call or stop by today.