Castle Rock Insurance Agency. Business - Personal, Restaurant Insurance, Builders Risk, Auto, Home and coastal properties. Property & Casualty Insurance. NY, NJ & PA http://www.castlerockagency.com Tue, 06 Jan 2009 05:14:04 +0100 FeedCreator 1.7.2 http://www.castlerockagency.com/images/M_images/castle_rock_insurance_agency.png http://www.castlerockagency.com Castle Rock Insurance Agency. Business - Personal, Restaurant Insurance, Builders Risk, Auto, Home and coastal properties. Property & Casualty Insurance. NY, NJ & PA http://www.castlerockagency.com/agency-news/client-care-news/top-10-tips-for-winter-driving.html As your Insurance Agents we would like to share with you some tips on safe winter driving. Because reducing claims can aid in keeping insurance premiums down. The best tip for winter driving: Sometimes it's best to stay home, or at least remain where you are until snow plows and sanding crews have done their work. If you crash on a snowy or icy road, you'll certainly be late — or worse. But since you can't always call in to work claiming a snow day, it's better to learn how to correctly deal with driving in the snow.We've all battled snow- and ice-covered highways behind the wheel of our cars so here are some snow driving tips the average driver can follow to reduce the chances of a crash and help keep insurance premiums down. Agency News - Client Care News Tue, 16 Dec 2008 17:00:00 +0100 http://www.castlerockagency.com/news/agency-articles/how-much-should-i-insure-my-home-for.html As an Insurance Agent that specializes in Home Insurance, I am without exception, always asked the same question when people are shopping for home insurance:Q: How Much Should I Insure My Home For?Here are a list of resources not to use when trying to determine how much you should insure your home for:Real Estate AgentsLegal Advice from Lawyers Mortgage Companies Home LendersBanksThere is only one real answer and only one reliable source to turn to:A Skilled, Experienced and Licensed Home Insurance Agent (home-insurance.html) News - Agency Articles Fri, 03 Oct 2008 03:28:47 +0100 http://www.castlerockagency.com/employment-practices-liability-insurance-epli-insurance-claims-on-the-rise.html Employment Practices Liability Insurance Claims are Increasing According to the Equal Employment Opportunity Commission (EEOC*1) the average number of Employment Practices Liability cases filed from 1996 to 1999 was a staggering 80,000 per year. Employment Practice Liability Insurance Judgments, or EPLI Judgment awards increased almost 3 fold at 275% from 1994 to 1999. The total employment practices liability judgments awarded exceeded $100 million. The average verdict in Employment Practices Liability cases now approaches a half million by 1999, at over $450,000 per judgment, and Employment Practices Liability issues comprise 30% of all civil litigation in the U.S. Court. Age discrimination liability suits are rising more than any other sector of EPL Cases. The fact about Employment Practices Liability cases is that, according to court verdicts, the employee is deemed right most of the time. The Department of Labor cites that, employees and other plaintiffs won almost half or 41% of all jury decided trials and 26% of all non-jury trials in 1999, with punitive damages being assessed 19% of the time. News - Agency Articles Mon, 21 Jul 2008 12:07:28 +0100 http://www.castlerockagency.com/news/agency-articles/church-insurance--religious-organization-and-institutional-insurance..html Church Insurance, Religious Organization, Pastoral Liability and Institutional Insurance Many Churches are Improperly InsuredIn 2006 the Asbury Park Press ran an article stating that approximately 60% of US dwellings are under insured, the average dwelling is undervalued by 22 percent. This report came out way before the surge in oil, gas commodity prices. In the last year alone brick, concrete, plumbing, steel aluminum and other building materials have increased 3.4%. Any material that is transportation-intensive or petroleum based has become even more expensive. In addition to the property insurance concerns, there are liability insurance issues that need to be addressed as well. News - Agency Articles Thu, 17 Jul 2008 12:04:59 +0100 http://www.castlerockagency.com/news/commercial-lines/mortgage-protection-insurance-for-financial-institutions.html Mortgage Protection Insurance for Financial Institutions Castle Rock Agency is proud to announce Mortgage Protection Insurance for Financial Institutions.Why do Lending Institutions Need Mortgage Protection Insurance?What does Mortgage Protection Insurance provide?Why Mortgage Protection Insurance? Click Here to find out more... (mortgage-protection-insurance.html)If you know someone in the mortgage banking industry, forward this to them so they can see how Castle Rock Agency (http://www.castlerockagency.com) can protect their banks interest. News - Commercial Lines Wed, 18 Jun 2008 09:17:13 +0100 http://www.castlerockagency.com/news/agency-articles/why-you-need-employment-practices-liability-insurance-epli.html Why You Need Employment Practices Liability Insurance (EPLI)A private company is more likely to have an Employment Practices claim than a General Liability or property claim.3 out of every 5 employers are sued by former employees65% of all companies that have ever fired an employee have been hit with an employment related lawsuitIn 2006, the median award for all plaintiff verdicts was over $200,000Over 40% of all Employment Practices claims are brought against firms with less than 100 employees News - Agency Articles Tue, 17 Jun 2008 14:09:59 +0100 http://www.castlerockagency.com/agency-news/client-care-news/castle-rock-insurance-agency-receives-2008-best-of-new-york-award.html Press Release FOR IMMEDIATE RELEASE Castle Rock Insurance Agency Receives 2008 Best of New York Insurance Award (https://www.uslba2008.net/P8CATJFH) U.S. Local Business Association’s Award Plaque Honors the Achievement... Agency News - Client Care News Tue, 10 Jun 2008 06:17:45 +0100 http://www.castlerockagency.com/news/agency-articles/travelers-beware-the-top-10-places-to-be-kidnapped-from.html Traveling abroad can be an exciting adventure, however lately the Incidence of Kidnap, Ransom and Extortion is abundant. Read More... (http://www.castlerockinternational.com/news/casualty-insurance/casualty-categories/47-kidnap-and-ransom-insurance/104-top-10-kidnap-rated-countries-wi) News - Agency Articles Thu, 03 Apr 2008 14:34:33 +0100 http://www.castlerockagency.com/news/agency-articles/crane-collapses-in-new-york-only-2-of-32-apartments-insured.html Crane Collapses in New York 2 of 32 Apartments Have Tenant Insurance 6.25% of the Tenants Had Renters Insurance or a Tenant Insurance Policy Only two of 32 renters interviewed by the New York State Insurance Department following last month’s crane collapse on New York City’s East Side were protected by tenants insurance.That low number is hardly surprising. Nationally, a 2006 survey by the Insurance Research Council found that only 43 percent of all renters were insured. In New York City, that percentage is believed to be significantly lower because of the high cost of living.Some renters may believe – mistakenly – that their personal property is covered by a building owner’s insurance. Others, like recent college graduates, may be unaware of tenants insurance and some simply decide not to buy it.* News - Agency Articles Wed, 02 Apr 2008 03:24:16 +0100 http://www.castlerockagency.com/newsflashes/business-insurance/protect-your-business-with-the-right-insurance-in-three-easy-steps.html Protect your Business in Three Easy StepsA business is only as safe as the tools it uses. One of the best tools a business can use to protect its assets is commercial auto insurance. Understanding insurance can be tricky. One of the first steps toward making an informed decision is to understand coverage and service options. Here are three easy steps to help figure out your commercial auto insurance needs: 1. Choose an Insurance Agent with the Right Combination of Price and Service.Insurance isn’t just about price. It’s about service, too. How are claims handled? How long will it take to get your vehicle back on the road? Can you get questions answered outside of business hours or online? Know the answers to these questions. Your time is money.2. Research your Insurance Policy Options. Having the right coverage is important. A standard commercial auto policy generally includes coverage for: Injuries or damage that you cause;Your driver’s injuries;Injuries and damages caused by uninsured or underinsured drivers; andDamage to or theft of your vehicle(s).When it comes to damage that you cause, you may be required to purchase certain limits based on who you work for.... Newsflashes - Business Insurance Tue, 11 Mar 2008 08:58:01 +0100 http://www.castlerockagency.com/news/agency-articles/boiler-and-machinery-insurance-the-flood-effect.html Boiler Machinery Insurance: The Flood EffectHow is Boiler Machinery Insurance The Flood Effect Similar Various Facts About Each.Boiler and Machinery Insurance Coverage. What is it and what does it cover?The fact that flood is an noted exclusion on a homeowners policy was a little known fact before Hurricane Katrina hit the Eastern and Southern shores of the US. Similar to flood insurance, another little known fact among the insurance industry is that: Boiler and Machinery Insurance Coverage is a standard exclusion on most Property and Business Owners Insurance Policies. So what does Boiler and Machinery Insurance cover? Boiler and Machinery Insurance Coverage, or the most prevalently used industry term, and, for the purposes of this article, we will use the term equipment breakdown, is provided for loss of or damage to steam boilers, pressure vessels, steam pipes, steam engines, steam turbines, electrical equipment, air conditioning, refrigeration systems, PC’s, production and mechanical equipment. It covers mechanical failure, motor burnout, short circuits and electrical arcing. Many Mechanical Breakdown Insurance policies will also cover operator error, which accounts for 35% of all equipment breakdowns. Not even a warranty or service maintenance contract will... News - Agency Articles Mon, 10 Mar 2008 16:49:04 +0100 http://www.castlerockagency.com/news/agency-articles/business-auto-insurance---new-york.html Business Auto Insurance If you own a business in New York, it’s important to match the Business Auto Insurance you carry to the company you keep. Doing so can save you time and money down the road. Commercial Auto Insurance or Business Auto Insurance can be especially important.If you’re not sure what kind of Business Auto Insurance Coverage you need, you may want to talk with an independent insurance agent who specializes in that particular area. Independent Insurance agents work with you to put together a package that provides the protection that’s right for your business. “Anyone who owns a business with a Business Automobile Insurance Policy needs to have coverage that is appropriate for the industry and the size of the business,” says Brett Stalnaker of The Progressive Group of Insurance Companies. “An independent agent who specializes in Business Auto Insurance Coverage can provide business owners with the kind of advice they need to make the right choice.” Here are some tips to help you find a Business Auto Insurance agent: Get objective advice. There are different types of insurance agents. A captive agent represents only one insurance company. Independent... News - Agency Articles Wed, 13 Feb 2008 17:00:00 +0100 http://www.castlerockagency.com/news/agency-articles/save-money-on-a-new-car.html Save Money on a New CarOne way to avoid sticker shock or buyer’s remorse when purchasing a new car is to consider expenses you may encounter down the road. For instance, experts say that while most people anticipate the purchase price, taxes and registration fees associated with a vehicle, many forget that the insurance they need to protect their vehicle could come with a hefty price tag. Fortunately, there are ways to keep insurance costs down while maintaining the type and amount of coverage a new car typically requires. Insurance Costs Before you buy a car, you should check into how much it would cost to insure. Try talking with an independent insurance agent it may save you some money. Unlike “captive” agents who represent only one company, independent agents and brokers offer products from many different insurance companies. That means more choice and more opportunities for you to find the best coverage and service at the right price. Does The Cost of A Vehicle Affect the Insurance Cost? Yes and NO!The NO: For the most part the amount you will pay for the liability portion of the insurance on your vehicle is pretty static, it is based on your... News - Agency Articles Wed, 13 Feb 2008 15:19:48 +0100 http://www.castlerockagency.com/home-insurance-things-to-consider-when-shopping-for-home-insurance.html Home Insurance The Top 6 Things to Consider When Shopping For Home InsuranceHome Insurance may be one of the most important financial protections you can shop for, do not take it lightly. When you insure your home, you may be insuring your most valuable asset. All to often people shop price as if Home Insurance is a commodity, and that all Home Insurance Companies are alike and that all Home Insurance provide the same coverage. Here are the top 6 Things to Consider when shopping for Home Insurance. 1. What Home Insurance Company is Insuring Your House? Home Insurance companies, like all insurance companies are financial institutions, like banks.As financial institutions, home insurance companies are rated in the same manner that banks are. The two big institutions that rank Home insurance companies are Standard and Poor, S P, and A.M. Best. If you are unsure of the ranking of the company that insured your home, you may want to go over to A.M. Best and take a look. Typically you want at least an A Rated Home Insurance Carrier providing Insurance coverage on your home. Having a company with a... News - Agency Articles Sat, 05 Jan 2008 16:31:46 +0100 http://www.castlerockagency.com/newsflashes/agency-articles/castle-rock-agency-underwriter-brett-lipton-cited-in-york-dispatch.html Castle Rock Agency Underwriter, Brett Lipton, Cited in Pennsylvania's York Dispatch©This week, Senior Underwriter and Vice President of New York's Castle Rock Insurance Agency was mentioned in an article relating to the ability to bond York City's Matthew Mann.Mann is currently seeking to obtain a $12 Million bond required to take a seat in a Pennsylvania political position as their Treasurer. A link to the Article can be found here: Mann still seeking $12 million bond Source York Dispatch DAINA KLIMANIS The York Dispatchhttp://yorkdispatch.inyork.com01/02/2008 Newsflashes - Agency Articles Thu, 03 Jan 2008 08:11:32 +0100 http://www.castlerockagency.com/homeowners-insurance-renovating-your-home-or-planning-to-renovate.html Homeowners Insurance - Renovating your Home or Planning To Renovate?If you are renovating you are planning to renovate your home, call your insurance company first. Find out if you have the Insurance Coverage you Should Have. If you are renovating or planning to renovate your home, you should make several inquiries into your current insurance coverage’s. Your first inquiry should be to your broker, agent and/or your homeowner’s insurance company as to how they want to handle your coverage, if at all, while your home is being renovated. Your second inquiry should be to the broker, agent or insurance company of your general contractor to make sure that he has general liability and workers compensation coverage. Find out if you are covered if something happens to your home while under construction. Typically homeowner’s insurance companies are not comfortable with covering homes while under renovation. If you take the ignorance route and do not call your broker, agent or insurance company and there is a loss while your home is under renovation your current coverage may be in jeopardy.... News - Agency Articles Mon, 29 Oct 2007 17:00:00 +0100 http://www.castlerockagency.com/apartment-insurance-yeah-the-building-has-it.html Do I need Apartment Renters Insurance, Coop Insurance, and Condo Insurance? Does the Building Owner Insure My Apartment? Insure my apartment, condo or coop? Why? In my daily routine I communicate with dozens of people looking for insurance, or looking to protect themselves from loss or damage. Typical requests span from $5000 cars to restaurants, churches multi-million dollar buildings. When they are done explaining what they are looking to insure, how much they are looking to insure it for and what they what it insured against, my next question is always, “Who insures your home?” Our office is in New York, NY and as many would expect the majority of the dwellers in the city reside in an apartment of some sort, be it a renters unit, a condo or a coop, and more than half of the time when I inquire as to who insured their home, they tell me this:“Apartment insurance, I don’t need it, the building has it.” Part 2 may be true; however it has nothing at all to do with part 1, what’s inside and what is covered.What does the building owner insure? The building... News - Agency Articles Mon, 29 Oct 2007 17:00:00 +0100 http://www.castlerockagency.com/newsflashes/business-insurance/restaurant-insurance-building-insurance-builders-risk-insurance-church-insurance.html Professional Insurance Agency Service Castle Rock Insurance Agency is a professional full service Property Casualty Insurance services boutique serving the Business and Personal Marketplace.Building Insurance, Restaurant Insurance, Church Insurance, Personal Insurance If you are looking for Insurance for a Building, Insurance for a Restaurant, Insurance for a Church, a home auto or have a business that needs commercial insurance coverage, we will take the time to explain what you are buying, so you understand what is at stake and what you will be protected for.An Insurance Agency that Educates its Clients The key to our success is that we educate our clients to the exposures surrounding their personal and business assets so they can make educated decision as to their own insurance needs. We have been extremely successful in lowering insurance costs for our clients by leveraging our knowledge and relationships within the insurance industry. We always aggressively market and negotiate insurance premiums and coverage’s which usually results in an insurance product that is both comprehensive in coverage and competitive in price.Are we competitive? Take a look at the long list of carriers we represent. (index.php?option=com_content task=view id=15 Itemid=33) Our job is to match the right... News - Insurance Thu, 20 Jan 2000 17:00:00 +0100