Insurance Coverage for Automated Equipment

The inclusion of automated equipment in many factory settings can significantly reduce the manual work required from employees. This article provides tips and insights on protecting your business with adequate insurance coverage for your automated machinery.

What is Automated Equipment?

In most production industries, various forms of automated machinery, like conveyor belts, inventory pickers, and industrial mixers, are indispensable. These machineries are often used to mass-produce items for third-party resale. Automated equipment streamlines production processes, enhancing business productivity and efficiency. Therefore, such valuable assets should be safeguarded with comprehensive commercial insurance.

Why Do You Need Insurance?

Choosing an insurance policy for your automated equipment should take into consideration your largest investments. A well-thought-out insurance policy can take care of the financial implications for repairs and replacements when needed. Thus, your insurance policy becomes a crucial financial backup if any equipment breakdown occurs.

The Importance of Inspection

Your factory’s automated machinery needs regular inspection to determine its current status and health. Timely addressing any issues discovered during these inspections can enhance your machinery’s lifespan and performance. It is advisable to ensure that equipment is in optimum working condition. Functioning automated equipment tends to have a higher value than those in need of repair or replacement.

Rowledge & Falvo Insurance Agency: Your Preferred Insurance Partner

Take proactive steps to protect your business today. Contact one of our agents at Rowledge & Falvo Insurance Agency in Scotia, NY. Our representative will gladly discuss your automated machinery insurance needs and help prepare your tailored commercial insurance document.

How to Check Home Insurance Rates Before a Purchase

When buying a house, figuring out the home insurance rates beforehand is smart. Knowing these things in advance will help you to control long-term expenses down the road. It may even allow you to avoid buying something that could make you unhappy due to sky-high costs. Rowledge & Falvo Insurance Agency serving Scotia, NY, knows it might seem a bit tricky at first, but here’s a straightforward way to go about it.

Step by Step

Start by going online. There are plenty of websites where you can enter some basic info about the house you’re interested in, like its location and size, and they’ll estimate the insurance costs. Keep in mind, though, that these are just estimates, and the real rates can be different.

Next up, reach out to an insurance agent such as Rowledge & Falvo Insurance Agency serving Scotia, NY. Talking to a professional can give you a clearer picture. They can look into the specifics of the house and offer you a more accurate quote based on the house’s condition, features, and any safety devices installed.

It’s also a good idea to check rates from different companies. Insurance costs vary greatly from provider to provider, so getting a few quotes can help you find the best deal.

Lastly, consider the house’s location and how it affects insurance rates. Areas prone to natural disasters like floods or earthquakes might have higher insurance costs. Knowing this can help you budget better for your new home.

So, while checking home insurance rates before buying might seem daunting, it’s doable with some research and help from professionals like Rowledge & Falvo Insurance Agency serving Scotia, NY. Contact us today to get started!

Why Do I Need Flood Insurance?

Imagine waking up to find your precious belongings swimming in murky water, your cherished memories literally washed away. This is a nightmarish reality that millions of homeowners face every year due to flooding, the most common and costly natural disaster in the U.S.

Yet, many individuals are unknowingly unprotected against this devastating peril because they believe their standard homeowner’s insurance policy covers such events – an unfortunate misconception that often leads to significant financial loss. At Rowledge & Falvo Insurance Agency in Scotia, NY, we can help you secure flood insurance to protect your home.

Why Flood Insurance is Needed

In the volatile realm of mother nature, floods stand out as one of the most destructive forces. You may not reside near a water body or in a flood-prone area, but this doesn’t grant immunity from the possibility of experiencing a flood. It’s alarming to note that a large percentage of flood insurance claims come from moderate-to-low-risk areas.

Knowing that home insurance policies often do not cover flooding gives another compelling reason why embracing flood insurance is an absolute necessity for astute homeowners. Imagine pouring years into creating your dream haven only for it to be whisked away by unforeseen flooding. Bearing this in mind, paying a small annual premium could save you hundreds or perhaps thousands should disaster strike. By investing in comprehensive flood insurance, you’re safeguarding both your property and peace of mind. We can help you explore all of your options at our office.

Schedule A Consultation Today

If you are looking for flood coverage, Rowledge & Falvo Insurance Agency in Scotia, NY is here to help. We understand the importance of protecting your home from potential disaster. Contact us to start a flood policy. 

Differences between home insurance and condo insurance

You may think of a home and a condo as the same thing, but in terms of insurance, they are quite different. One way they are the same is that both require that you have the right insurance to make sure that you are protected. In Scotia, NY at the Rowledge & Falvo Insurance Agency, we are independent insurance agents, and we know that we work for you, our customers. 

Master policy

The major difference between a freestanding home and a condo in terms of insurance is that, with a condo, the condo association has a master policy. This master policy covers the exterior of the building and the common areas. What this means to you as a condo owner is that if the roof fails, you are not responsible for replacing it. If someone is injured in the parking lot or at the pool, your liability insurance does not have to cover it. These are the responsibility of the condo association. 

How far the master policy covers the exterior of your condo is where this gets a little confusing. It can be all the way in or just the exterior walls. It is important that you know what coverage you need to add on your own, so read your covenant and make sure your insurance agent knows what it says as well. 

When it comes to content insurance, the type of master policy also plays a role. It will determine if you or the condo association are responsible for things like the fixtures and the kitchen cabinets. 

Loss of use coverage is the same whether it is a house or a condo. 

Consult With Us

Contact Rowledge & Falvo Insurance Agency in Scotia, NY on the telephone, with an email, or in person to make an appointment to sit down with one of our experienced agents. 

Four things you should never assume about auto insurance

If you own a vehicle in Scotia, NY, you’ll need to purchase an auto insurance policy. We provide auto insurance coverage to area consumers at Rowledge & Falvo Insurance Agency.

Unfortunately, motorists sometimes make inaccurate assumptions about auto insurance.

Here are four things that you should never assume about auto insurance coverage:

You only need minimum coverage.

Investing in more than minimum coverage is always advisable. Simply having enough liability coverage to meet legal requirements in New York doesn’t necessarily mean that your assets are adequately protected.

It’s best if you’re carrying enough liability coverage to cover the full value of your assets to avoid financial loss as a result of a bad accident. 

You can use your personal auto insurance policy when you’re driving for commercial activities.

A personal auto insurance policy is only in effect when you drive your vehicle for personal reasons. If you drive your vehicle regularly to carry out commercial tasks, you need to have commercial auto insurance coverage. 

All auto insurance policies include rental vehicle coverage.

Rental vehicle coverage is a convenient feature of many auto insurance policies that pays for the policyholder to rent a vehicle when his or her vehicle is in the shop for repairs after an accident. 

If you want to have rental vehicle coverage on your auto insurance policy, be sure to read the fine print. While many auto insurance providers include this feature in standard policies, others don’t. Some insurance providers may require you to add rental vehicle coverage onto a standard policy to enjoy this type of coverage. 

All auto insurance providers are the same. 

Some auto insurance providers are better than others. Be sure to do your research and find a reliable auto insurance company with a reputation for satisfying its customers. 

Have Questions? Consult With Us

Get a quote on an auto insurance policy by getting in touch with Rowledge & Falvo Insurance Agency. We’re here to meet the insurance needs of consumers in Scotia, NY. 

How To Decrease Employee Turnaround

As a business owner, you really can’t afford to ignore any aspect of your employees’ welfare. High employee turnaround is often a signal that company culture is not conducive to strong employee relationships and contentment. Here at Rowledge & Falvo Insurance Agency, we want to help business owners in Scotia, NY make smart business choices. 

Here are a few tips on how to decrease employee turnaround:

Healthy Company Culture

Employee contentment is a direct result of company culture. When a company is intentional about building a nurturing and safe company culture, employees want to stay and grow with you. However, the opposite is also true. When a company culture feels cold, uncaring, or worst case scenario, toxic, employees will find other places to work as quickly as possible. Although company culture doesn’t show as hard numbers, it is still well worth your investment to make sure you have a positive culture.

Open Communication

Another reason why workers are often tempted to move on to a new workplace is when they feel that communication is lacking and that they are not listened to. Your employees are the backbone of your business. You need to listen to them and communicate with them in a manner that is clear, respectful, and responsive. 

Quick Problem Resolution

Problems will arise in any company, but how you deal with those problems will have a huge effect on your staff. Your employees aren’t expecting to never experience problems, but what they are expecting is for you to acknowledge what is happening, listen to their concerns, and act quickly to resolve problems. When problems are ignored at work they often just get bigger and more complicated. 

Schedule A Consultation Today

If you would like to learn about commercial insurance for business owners, please contact us at Rowledge & Falvo Insurance Agency serving Scotia, NY.

Top 3 Ways To Stop Intruders

There are so many responsibilities that come along with home ownership, and protecting your home from intruders is definitely top of the priority list. Here at Rowledge & Falvo Insurance Agency, serving Scotia, NY and the surrounding areas, we want to help homeowners make smart choices.

Here are the top 3 ways to stop home intruders:

Home Security Systems 

Home security systems have proven an effective way to stop intruders. In a lot of cases, just having signs posted on your property advertising that the home is protected by a certain security company is enough to discourage intruders from even considering your home. 

Home security systems are advanced enough today to have you connected with first responders and law enforcement in real time when the system is triggered. This is a proven way to stop intruders and to get emergency help during other types of emergencies as well. 

Updated Windows, Doors, and Locks

Another important step you can take to discourage intruders is to make sure your windows, doors, and locks are updated. Older doors, windows, and locks are easy to access, and intruders know this. Modern home updates of this type will have enhanced security, are stronger, and are more difficult to access. 

Good Security Practices 

The other important way to protect your home is by practicing good security behaviors at home. This includes locking up at night and when you leave the house. It can also include keeping your property well-lit. You also need to be selective about who has access to keys, lock codes, and other means of accessing your home. 

Consult With Us

If you would like to learn about home insurance, please contact us at Rowledge & Falvo Insurance Agency serving Scotia, NY and the surrounding areas. We will be happy to help you.