DeNooyer Direct Insurance Services, LLC

2038 Central Avenue
Albany, NY 12205

Insurance Blog

What is Carrier Discounts Insurance?

DeNooyer Direct Insurance Services LLC serves the Albany, NY community. We are an independent agency. We strive to make sure that our clients find the coverage they need to protect themselves in any situation. The foundation of our business is providing excellent customer service.

An In-Depth Look At Carrier Discounts Insurance

If you use a fleet of carrier vehicles to help operate your New York business, carrier discounts insurance is an asset. The shipping and transportation industry is extremely competitive. You can gain an advantage by making sure that your customers receive their products on time. However, accidents can happen at any time. Carrier discounts insurance can help your business minimize risks.

Carrier discounts insurance can help you protect your assets if you are involved in a liability dispute. You are protected if something happens to the products while you are shipping them. This should help alleviate some stress if you find yourself involved in potential litigation.

If you have a substantial number of vehicles in your fleet, you should be able to find a comfortable discount. If you have high character drivers, that should also help you find a good discount. Your business may also qualify for a discount if you have multiple types of vehicles in your fleet.

Consider the benefits of a dashcam. Dashcams can help you directly pinpoint what caused the accident during the transportation process. Investing in a tracking system is another good idea. This ensures that your driver adheres to the outlined routes, so your customers receive their goods on time.

DeNooyer Direct Insurance Services LLC Will Help You Protect Your Business

Contact our office in Albany, NY today to learn more information about carrier discounts insurance.  

Exploring The Benefits Of Recreational Insurance

DeNooyer Direct Insurance Services LLC provides coverage to the Albany, NY community. We strive to provide excellent customer service to our clients while helping them find the necessary policies. We proudly serve the community as an independent agency. We have working relationships with multiple carriers throughout New York.

Exploring The Benefits Of Recreational Insurance

If you use a recreational vehicle to travel throughout New York, recreational insurance helps protect your asset. The policy covers you whether you are operating an ATV, motorbike, or motorhome. You will be protected if your recreational vehicle is damaged. Liability coverage protects you if your recreational vehicle causes damage to someone else’s property or if a passenger on your vehicle is injured. You are also covered if your recreational vehicle is stolen or vandalized.

When you store your recreational vehicle when you aren’t using it, you will be protected if your vehicle is damaged due to a fire or severe weather. You will also have to consider the threat of a flying object damaging your vehicle, as well as the potential impact of your vehicle colliding with an animal. Also, keep in mind that any upgrades to your recreational vehicle are not covered in the event of damage unless you adjust your policy.

You can add emergency roadside assistance to cover you if your vehicle breaks down. The coverage also includes emergency towing services. If you are operating a motorhome and suffer severe damage, you can add temporary lodging coverage to protect you as you find alternative housing until your motorhome is repaired.

DeNooyer Direct Insurance Services LLC Will Help You Protect Your Asset

For more information on recreational insurance, contact our office in Albany, NY today!

Why should I get an auto insurance plan?

In the Albany, NY area, it continues to be very important to own a car. With a car in this area of the state, you will have an easier time getting around and will be able to enjoy all that it has to offer sooner. Those that are going to buy a car here also need to spend time evaluating their insurance needs. Drivers here need to have insurance coverage for a few different reasons. 

Insurance is Required in New York

A reason that you will need to have insurance here is that it is required in New York. Drivers in the state have to abide by state laws that govern the need for insurance. If you do not have the right level of liability coverage, you could face penalties when caught. By having the right coverage, you can stay in good standing.

Insurance Protects You

Even if you do not have requirements, you should still get coverage to protect you and your vehicle. When you own a car, you will want to know that it is fully covered by insurance. If you invest in a policy that offers collision and comprehensive protection, you will know that you are fully protected at all times for many types of loss. 

As you are looking for an auto insurance plan in the Albany, NY area, it would be a good idea to call DeNooyer Direct Insurance Services LLC. The team with DeNooyer Direct Insurance Services LLC understands the importance of this coverage. We also know that picking a plan comes with many complexities and important decisions that need to be made. The team can help answer your questions and make sure that you get into the best policy possible to meet your needs. 

How can umbrella insurance protect someone?

When you are in the Albany, NY area, it will be important to have a proper personal insurance plan in place. One form of coverage that should be part of this is umbrella insurance coverage. This type of insurance will provide you with additional personal liability coverage and could end up protecting you in many ways. 

Insurance Gives Additional Coverage

A lot of people will get umbrella insurance because it will give additional coverage to protect against major accident damage. While you may already have some coverage through your home and auto policies, the policy limits could leave you having to come out of pocket if you are at fault for a severe accident. Fortunately, you will have additional coverage to protect your current additional policies when you invest in this protection.

Protection for Unforeseen Situations

Another common reason for getting umbrella insurance is that they can get coverage for unpredictable situations. While you can try to mitigate your liability risks as well as you can, there are situations that could occur that you may have never even considered. To get the comfort that you do get protection for these risks, you should obtain an umbrella insurance policy that will offer you coverage for a much broader range of potential risks.

If you decide to invest in an umbrella insurance policy, you will want to ensure that you get proper coverage. For those in the Albany, NY area, a great company to speak with is DeNooyer Direct Insurance Services LLC. Anyone that reaches out to DeNooyer Direct Insurance Services LLC will learn a lot about their unique insurance needs and how umbrella coverage can protect them. This guidance can then help you choose a new policy. 

What every homeowner should know about home insurance

Buying a home is the American Dream. Albany, NY has a lot going for it being the capital of the state of New York. It has a great location with easy access to Vermont and the Catskills. It is a smaller city that has all the amenities that you could want. DeNooyer Direct Insurance Services LLC strives to ensure that all of our customers are fully insured with the finest available insurance. As independent insurance agents, we provide lots of carrier choices, and one of them is perfect for your needs. 

Home insurance is not something that most people know a lot about. It really helps to read your declaration page when you get your policy, but beyond that, there are some things that every homeowner should know about home insurance.

Basic coverage

A basic home policy has more coverage than you might expect. It protects your home at replacement cost. It covers the contents with limits. Liability coverage in the event you get sued after an injury on your property or by a member of your family is an important part of your coverage. Loss of use will help you have a place to stay if a covered peril hits you. 

Not every peril is covered.

Home policies have exclusions that many homeowners may not be aware of. Floods, earthquakes, mudslides, and sewer backups are not covered. Termite and mold damage are considered a lack of maintenance by the owner and are excluded. 

Actual cash value vs. replacement cost

Your contents can be covered in one of two ways, actual cash value or replacement cost. A 5-year-old washing machine doesn’t have the same value as a new one. If you want to be able to replace everything, you want replacement cost. 

At DeNooyer Direct Insurance Services LLC in Albany, NY, we are ready to answer any additional questions you may have. Please stop into our office or give us a call and let us help you choose the perfect home insurance.

Why should anyone get carrier discounts insurance?

The shipping and transportation industry continues to be extremely important as it helps to ensure that people worldwide have access to the products they want and need. Due to this, the industry continues to be high in demand and offers a lot of opportunities. At the same time, those based out of the Albany, NY area will also have a variety of risks that they need to prepare for. One way to mitigate these risks is by getting proper carriers discount insurance policy as it offers several forms of coverage.

Liability Protection

Carriers in the shipping and transportation industry will have many liability risks that need to be mitigated as well as possible. When you are in this industry, you are taking on liability risk for the products you hold and moving shipments. Since liability claims can be hard to predict and prevent, you should make sure that you have the proper coverage at all times. 

Coverage for Business Assets

Like any other business, it will be important that you maintain the proper insurance for your assets. When you operate in this industry, you will have many core assets that are needed to operate your business. While there are risks that these could be damaged, you can mitigate this with proper insurance. 

There are several situations when getting carrier discount insurance is a good option. If you are looking for this insurance protection, you should speak with the team at DeNooyer Direct Insurance Services LLC. The insurance team at DeNooyer Direct Insurance Services LLC has helped many organizations in the Albany, NY area better understand their needs and options. This could help to ensure that you properly protect your organization and minimize risk. 

What Types of Loss Does Recreational Insurance Cover?

DeNooyer Direct Insurance Services LLC offers recreational insurance to its customers living in the Albany, NY area. Recreational insurance is essential for when you go camping, four-wheeling, boating, or hiking. Knowing that you are protected while you are enjoying the great outdoors will allow you to have fun with your friends and family.

Theft 

Recreational insurance covers loss due to theft if items are stolen from your camper or from your campsite. It’s important that you took as many precautions as possible to make sure that your camping area is secure. Take a few minutes to secure your possessions before you leave and that nothing of value is visible.

Damage 

Spending time in the great outdoors is fun, but things can happen that may damage your property. Recreational insurance takes those unexpected events into account and will protect you if your property is damaged during your outing. Damage liability protects you and others while you are on recreational outings.

Liability

Accidents can occur while you are out in the wild that can result in various types of injuries. With the right type of recreational insurance, you will be protected against personal injury liability if someone gets hurt while visiting your campsite or while they are a passenger on your vehicle.

Residents can rest assured that the agents of DeNooyer Direct Insurance Services Inc. have the answers they are looking for when they have questions about recreational insurance. Don’t wait until it’s too late. Stop by the office in Albany, NY and get the answers you need before you leave for the great wide open. The right recreational policy will make all the difference and will allow you to make the most out of your trip!

6 Questions to Ask Your Auto Insurance Agent

When you need auto insurance, or you want to make changes to the coverage you already have, it’s important to know who to work with. If you’re in the Albany, NY area, you can reach out to us at DeNooyer Direct Insurance Services LLC, and get the information you’re looking for. You don’t have to settle for a policy that’s not right for you, or that doesn’t provide you with the quality and level of protection you expect for your vehicle.

Instead, you can focus on getting something that’s more personalized and tailored to your specific needs. We’ll be happy to help with that since our knowledgeable agents can give you the information you need to make an informed decision about insuring your vehicle. Here are six of the most important questions to ask your vehicle insurance agent:

  • What type and level of coverage do I need?
  • Is my current policy right for me?
  • What kind of coverage is required by law?
  • Do you recommend additional coverage options?
  • How often should I review my policy?
  • Who can I talk to if I have more questions?

Ready to get your auto insurance questions answered? Reach out to us at DeNooyer Direct Insurance Services LLC today. We want to make sure all our Albany, NY area customers get the information they’re looking for so they can have quality insurance protection. You don’t have to keep the same coverage you’ve had for a long time or assume that what you currently have is the best option for your needs. There are plenty of choices for insuring your vehicle, and we want to make sure you get the right one that’s going to fit your situation. Our agents are committed to providing you with a quality experience when you choose us for your insurance.

Situations that Call for Umbrella Insurance

Life in upstate moves a little slower than in New York City, but even in Albany, NY, you need insurance that protects your livelihood. DeNooyer Direct Insurance Services LLC wants you to understand how adding an umbrella policy to your home insurance coverage can help you protect your investment.

Three categories of people benefit the most from an umbrella policy:

  • High net worth individuals
  • Retired individuals who are community volunteers
  • Owners of high-risk recreational equipment

Those with a high net worth can become targets for unscrupulous behavior. They also often serve on the boards of non-profits or companies. They host fundraisers or other large-scale events at their homes. This opens them to liability beyond what their homeowners’ insurance covers. Any slip and fall accident at their hosted event can quickly exceed the HO-1 cap for liability since the individual may sue for both medical bills and lost wages. The injured party likely earns in the same tax bracket as the high net worth individual that quickly exceeds the cap.

Similarly, retired individuals often serve on boards and volunteer. The umbrella policy provides additional liability coverage to cover what the cap on the HO-1 policy does not. While an employed individual’s settlement to an injured party can garnish their wages to pay the amount not covered by the home policy cap, the retired individual must use their available funds – their retirement funds – to pay the difference.

Regardless of your age, you need umbrella insurance if you own a swimming pool, all-terrain vehicle, dune buggy, go-carts, motorcycle, jet ski, or boat. Any accident involving any of these items that cause injury to another person or their property can cause you to exceed the cap on the HO-1 liability coverage. That results in you dipping into savings, retirement funds, or having your pay garnished to pay the injury or property settlement.

Let DeNooyer Direct Insurance Services LLC, serving Albany, NY, help you better protect your finances. DeNooyer can offer you the umbrella insurance you need to protect yourself. Call us today to discuss your needs and get started.

What coverage does my home insurance provide

Owning a home in Albany, NY is the fulfillment of the American dream. Buying a home is the most significant investment most people will ever make, and protecting that investment is a top priority. Choosing the right home insurance can make all the difference when and if you ever need it. At DeNooyer Direct Insurance Services LLC, we make it our business to connect our clients with the best carrier to match their needs and their wallet. 

Home insurance offers a lot of protection for your home, and it can’t be stressed enough that you need to read your insurance policy so you understand precisely what it covers and for how much and what is excluded. 

Physical structure

The physical structure of your home is protected from covered hazards. This includes any attached structures such as a garage, a porch, or a deck. It also covers detached structures on your property, such as a garage, casita, or shed. 

Personal property

Everyone’s home is filled with personal possessions. These possessions are covered up to the designated limits on your policy. Creating a  home inventory will help to make sure you know what you have and what needs to be replaced. 

Liability

Your home insurance helps to protect you against legal action, which may be taken against you. Getting sued is traumatic, but if you know that your home insurance covers you for your legal expenses as well as a judgment against you, it provides peace of mind. 

Loss of use

If something happens to damage your home and you are not able to stay there, this coverage will help to pay for another place to wait until your home is ready to be occupied again. 

Home insurance is designed to protect you, and your home from some of the hazards life can throw at you. At DeNooyer Direct Insurance Services LLC in Albany, NY, we want to match you up with the right home policy for your needs. Give us a call for a no-obligation quote.

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