Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 5 days ago

New blog articles detected

  • Quick Tip: D&O Claims – How to protect the board of directors

    Stephannie Ciantro, Claims Manager, explains how to protect the board of directors with a D&O policy. By nature of their positions, board members are open to a number of liability risks, and it is the D&O Policy which addresses the majority of these risks. Some of the allegations that the D&O Policy would address include […] The post Quick Tip: D&O Claims – How to protect the board of directors ap...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 5 days ago

New blog articles detected

  • Quick Tip: The importance of Additional Living Expenses

    Justin Kraus, Personal Lines Manager, explains the importance of additional living expenses. Additional living expenses is a very important coverage in your insurance policy. In the event that your home is uninhabitable due to a covered peril, this coverage will pay for you to live elsewhere while your home is being repaired. This can include […] The post Quick Tip: The importance of Additional Li...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • Game of Drones – Part Two

    What You Need to Know about Drones and Insurance Drones have become incredibly popular over the past few years. And with a spike in sales of this recreational, remote-control toy, the potential for risk is rising as well. Insuring your drone is a relatively new concept. Above all, getting drone insurance will give you peace […] The post Game of Drones – Part Two appeared first on Mackoul & Associa...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 3 weeks ago

New blog articles detected

  • Quick Tip: The reason you need life insurance.

    Rebecca Scandaliato, Vice President of Employee Benefits, reviews the reasons why you need life insurance. Life insurance provides cash to your family after your death. This death benefit replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses, mortgage payments and college funding. Regardless of your […] The post Quick Tip: The r...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected

  • Interview Series: Community Association Law and Collection

    Edward J. Mackoul, President of Mackoul & Associates, sat down with Jeffrey Sirot of Curcio, Mirzaian, Sirot LLC to discuss community association law and collections. For more information, please contact us. The post Interview Series: Community Association Law and Collection appeared first on Mackoul & Associates, Inc..

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected

  • Quick Tip: Will insurance approve my own lawyer for my representation?

    Stephannie Ciantro, Claims Manager, addresses the question, “Will insurance approve my own lawyer for representation?” When an insured receives a summons and complaint, one of the first questions often asked is if their own attorney can stay on as counsel, and be paid for by the carrier. This certainly seems like a reasonable request, as […] The post Quick Tip: Will insurance approve my own lawyer...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 1 month ago

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected

  • Quick Tip: Why you need an umbrella policy if you have assets.

    Erin Vangeli, Personal Lines Account Manager, explains the importance of obtaining an umbrella policy. A personal umbrella policy covers you against third party bodily injury or property damage claims. The main purpose of an umbrella policy is to protect your assets in the event a lien or judgment is placed against you. An umbrella policy […] The post Quick Tip: Why you need an umbrella policy if ...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected

  • Game of Drones

    There is cutting-edge innovation all around us: artificial intelligence, virtual reality, digital imaging and, of course, drones. Remote control aircraft has been around since the beginning of aerospace engineering but we are finally seeing the dawn of affordable aerial robotics to handle difficult commercial and business tasks. Nowadays, drones are taking command of the skies […] The post Game of...

  • Quick Tip: Insuring against lengthy gas shutdowns due to leaks.

    Courtney Ferretti, Senior Account Manager discusses the importance of insuring against lengthy gas shutdowns due to leaks. One of the claims most often submitted to our claims department is when a building has had a gas leak. When this happens, the gas company shuts off the gas and the gas isn’t turned back on until […] The post Quick Tip: Insuring against lengthy gas shutdowns due to leaks. appea...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected

  • Ridiculous lawsuits of 2016 as named by Insurance Journal

    Let’s face it, over the past few decades, our society has grown litigious in nature (we all remember the McDonald’s Hot Coffee case). The emphasis placed on settling disputes in the courtroom makes it all the more important to properly protect yourself and your business with appropriate insurance coverage. Now that 2017 is in full […] The post Ridiculous lawsuits of 2016 as named by Insurance Jour...

  • Quick Tip: The importance of posting Labor Law posters?

    Rebecca Scandaliato, Vice President of Employee Benefits, explains how employers can better inform their staff and avoid potential lawsuits by posting Labor Law posters in the workplace. As federal, state and local municipalities issue new laws, the primary means of communication is through labor law compliance posters. Posters summarize important details of the law and […] The post Quick Tip: The...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected

  • Interview Series: Cyber Liability

    Edward J. Mackoul, President of Mackoul & Associates, sat down with Joshua Gold of Anderson Kill to discuss what cyber liability is and why it is important to protect yourself and your business from this risk. For more information, please contact us. The post Interview Series: Cyber Liability appeared first on Mackoul & Associates, Inc..

  • Quick Tip: Why is the bank listed on the claims check?

    Stephannie Ciantro, Claims Manager, explains why the bank that owns your mortgage may have to endorse your claims check. When an insured becomes aware that a claim payment is forthcoming, it is a moment of relief and gratitude that the process is finally over. There are some instances, however, when there is still one step […] The post Quick Tip: Why is the bank listed on the claims check? appeare...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected

  • Claim of the Month: Fire Damage

    Stephanie Ciantro, Claims Manager, discusses a specific example of a fire damage claim and how it was handled. For more information, please contact us. The post Claim of the Month: Fire Damage appeared first on Mackoul & Associates, Inc..

  • Quick Tip: Airbnb – The dangers of renting out your unit.

    Justin Kraus, Personal Lines Manager, explains the growing risks of renting out your home or apartment for short-term rentals using services like Airbnb. With living cost going up each year, homeowners have been looking for additional sources of income. One recent option has been Air BnB, which allows the homeowner to temporarily rent out their […] The post Quick Tip: Airbnb – The dangers of renti...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected

  • Ways to enhance security for your property

    Securing the Building Community associations and apartment buildings have security issues that are generally not present for homeowners. As a property manager it is in your best interest to keep your building as secure as possible. Not only to help keep the tenants and their belongings safe, but also to protect yourself against any liability […] The post Ways to enhance security for your property ...

  • Quick Tip: Generally it’s not what caused the damage, but what was damaged.

    Ashley Tavormina, Commercial Account Associate, explains how to best determine who holds responsibility in the case of a bursted pipe in an apartment building. Most boards and property managers believe that if a pipe in someone’s unit causes damage to their unit only, that owner is responsible for the damage. In addition, most believe that […] The post Quick Tip: Generally it’s not what caused the...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected

  • Winter time energy savings tips

    Now that the winter weather is in full effect, homeowners are starting to notice their energy bills are on the rise. In an effort to help you cut costs this winter, we put together a list of helpful hints to lower your energy bills. Cover Drafty Windows Install tight-fitting, insulating drapes or shades on windows […] The post Winter time energy savings tips appeared first on Mackoul & Associates,...

  • Quick Tip: We just installed security cameras in and around our building. Is there a credit?

    Lisa Terrasi, Commercial Accounts Associate, discusses whether adding Closed Circuit TV’s has an impact on insurance premiums. We are asked all of the time whether adding Closed Circuit TV to a building will reduce the insurance premiums. Though there is no formal credit for having or adding security cameras, it may help reduce or prevent […] The post Quick Tip: We just installed security cameras ...

  • Quick Tip: How to lower your risk of a DOL Audit

    Rebecca Scandaliato, Vice President, Employee Benefits, explains how companies can lower their risk of a DOL Audit. DOL Audits: Prevention & Preparation U.S. Department of Labor (DOL) audits of welfare benefit plans are happening with greater frequency to every size company. Some Reasons for a DOL audit include: Complaints by welfare benefit plan participants Inaccurate […] The post Quick Tip: How...

  • 8 Plumbing tips every homeowner should know

    Want to avoid plumbing problems and water damage in the New Year? Keep our plumbing tips in mind to ensure your plumbing woes are kept at bay throughout the following year. 1. Stop small problems before they become big ones. If you notice a leaky faucet, fix it right away to prevent any water damage. […] The post 8 Plumbing tips every homeowner should know appeared first on Mackoul & Associates, I...

  • Quick Tip: The role of each ‘player’ during a claim

    Stephannie Ciantro, Claims Manager, explains the best way to ensure your claim is being handled efficiently. When a claim occurs, there is often a level of uncertainty and a layer of confusion that permeates the experience. There needn’t be. There is a chain of command in place to ensure that your claim is being handled […] The post Quick Tip: The role of each ‘player’ during a claim appeared firs...

  • Quick Tip: Do I have coverage if my pipes freeze?

    Elizabeth Cornell, Personal Lines Associate, explains what is covered under a typical homeowners policy if pipes freeze. A typical homeowners policy provides coverage for frozen pipes, however in many cases the actual pipe itself will not be covered; only the damage that the burst pipe causes will be covered. With the upcoming winter weather, we […] The post Quick Tip: Do I have coverage if my pip...

  • Specific limits versus blanket limits

    There are typically two types of limits that appear in a commercial property policy: specific limits or blanket limits. This article aims to help differentiate the two. In the interest of simplicity, we’ll assume that the properties cited in this article are insured on a replacement cost basis at 100% of its value meaning that […] The post Specific limits versus blanket limits appeared first on Ma...

  • Quick Tip: The difference of ‘inside the limits’ vs ‘outside the limits’

    Eric Eggert, Business Development Specialist, explains the difference of ‘inside the limits’ vs ‘outside the limits’ defense costs on General Liability policies. Most General Liability policies include defense costs outside the limit of liability. This means that any costs incurred by the insurance company while defending a claim against the insured does not reduce the […] The post Quick Tip: The ...

  • Quick Tip: Why owners should maintain their own insurance policies when living in a co-op or condo

    Eric Eggert, Business Development Specialist, explains why owners should maintain their own insurance policies when living in a co-op or condo. In a co-op or condominium, the bylaws or other governing documents dictate what the responsibility of the owner is in the event of damage or destruction from a covered peril, such as fire or […] The post Quick Tip: Why owners should maintain their own insu...

  • 5 tips for throwing a holiday party…and keeping your in-building neighbors happy!

    Tis’ the season for glitter, champagne toasts & cheer! As we round out 2016 (yes, we can’t believe it either) many of us are welcoming 2017 with high hopes, new year’s resolutions and of course, attending a big, Big Bash! If you’re planning on hosting one, and live in a condominium or co-op, there are several things […] The post 5 tips for throwing a holiday party…and keeping your in-building neig...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 6 months ago

New blog articles detected

  • Quick Tip: The importance of prompt claim reporting

    Stephannie Ciantro, Claims Manager, discusses the importance of prompt claim reporting. When your building encounters a loss, be it a pipe burst, injured pedestrian, or an allegation against a Board member, it is important to notify the insurance broker as promptly as possible. Doing so is a part of the Insuring Agreement for your Policy, […] The post Quick Tip: The importance of prompt claim repo...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 7 months ago

New blog articles detected

  • Protect your community association with business income insurance coverage

    Risk management is an important part of running a community association in New York or New Jersey. One of the biggest risks to your association is loss of income resulting from an unexpected event. Fortunately, business income insurance coverage can help you to protect against these losses. Business Income Insurance Coverage in Action Business income […] The post Protect your community association...

  • Quick Tip: Is my jewelry insured under my personal property limit?

    Ashley Tavormina, Personal Lines Account Manager, discusses the importance of scheduling your jewelry. It is a common misunderstanding that your personal property limit also includes coverages for your jewelry. There is only minimal coverage in the event of a theft and usually only up to $1,500. Adding specific items to your home policy would be […] The post Quick Tip: Is my jewelry insured under ...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 7 months ago

New blog articles detected

  • Quick Tip: Medicare Part D – Creditable Coverage Disclosure Notice

    Rebecca Scandaliato, Vice President of Employee Benefits, addresses the significance of the Medicare Part D Disclosure Notice. The Medicare Part D Creditable or Non-Creditable Coverage Disclosure Notice needs to be sent out by Employers who sponsor group health plans that offer prescription drug coverage to Medicare-eligible individuals prior to the annual open enrollment period for […] The post Q...

Mackoul & Associates, Inc.

Category: Content
Type: Blog Article

Generated 7 months ago

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