Client Login Employee login
(516) 419 5050
info@jpins.com

Blog

What Is Miscellaneous Professional Liability & Why Does My Company Need It?
By Heidi Petschauer | October 1, 2013

Miscellaneous Professional Liability is a type of insurance designed for all businesses that specialize in some type of service to the general public. That is, when a company sets itself above the lay population by claiming to know some type of infor...



VIEW MORE
Will my Homeowners Policy cover my child who will be going away to college?
By Heidi Petschauer | September 26, 2013

Q: Will my Homeowners Policy cover my child who will be going away to college? A: MAYBE !!!!!! You may have SOME automatic property coverage to cover your child’s stuff in their dorm room You may need to buy additional theft coverage Be careful of ...



VIEW MORE
Does My Homeowner’s Policy Cover Lawn Workers?
By Heidi Petschauer | September 19, 2013

Dear Sherri, I hired my daughter’s boyfriend to mow the lawn once a week. If he gets hurt while mowing my lawn, do I have liability coverage on my Homeowner’s policy? – Long Island Worrier Dear Long Island Worrier, As that famous Reggae son...



VIEW MORE
How Much Life Insurance Do I Need?
By Heidi Petschauer | September 17, 2013

Q: How much life insurance do I need? A: To answer this question, you need to examine the 4 main expenses involved in calculating this amount: • Funeral Costs • Mortgage Amount • Education • Income Replacement Typically you will need 15-20 ti...



VIEW MORE
What is the difference between Term Life Insurance and Universal Life Insurance?
By Heidi Petschauer | September 12, 2013

Q: What is the difference between Term Life Insurance and Universal Life Insurance? A: Term Life Insurance is life insurance which provides a level death benefit at a fixed annual premium for a limited period of time. This period of time can be 5 yea...



VIEW MORE
When is the best time to purchase life insurance?
By Heidi Petschauer | September 10, 2013

Q: When is the best time to purchase life insurance? A: When you are young and healthy is the ultimate best time as the premiums are at their lowest so you may be able to purchase a higher death benefit for the future. Other good times to consider pu...



VIEW MORE
Will The Fed’s “Disparate Impact” Ruling Threaten The Insurance Industry,Too?
By Heidi Petschauer | September 4, 2013

Recently, in February of this year, the US Department of Housing and Urban Development (HUD) published their Disparate Impact Rule as an amendment to the Fair Housing Act. What is the doctrine of Disparate Impact? It is a practice that can be conside...



VIEW MORE
Are You Done With Paying Comprehensive and Collision Insurance?
By Heidi Petschauer | August 28, 2013

In this economic climate we are all looking for ways to skim back, trim the fat, however dropping your collision/comprehensive coverage may be a costly decision. We use our cars for the dreaded carpool, family vacations, to drive mommy dearest to her...



VIEW MORE
Do I have to tell my insurance agent about renovations I make to my home?
By Heidi Petschauer | August 22, 2013

Q: Do I have to tell my insurance agent about renovations I make to my home? A: Yes, not only after the renovations are completed but even weeks before they start. Your agent will need to advise you on getting Certificates of Insurance from the contr...



VIEW MORE
Is My Child Covered Under My Homeowner’s Policy When They Are Away At College?
By Heidi Petschauer | August 20, 2013

Dear Sherri, My daughter will be leaving for college soon and will be residing at the school campus dorm. When she leaves, she will be taking her violin with her, which is valued at $15,000. Since it is now scheduled on my Homeowner’s policy, do I ...



VIEW MORE