Binder Agency

Have a great weekend! From your local
team 🙌

Own a company? Our team of local professionals can make sure you have the coverage you need 🙌

Current Homeowners: Construction Costs on the rise = Reconstruction Costs on the rise.

If you have a loss and do not have "additional replacement cost" on your homeowners policy, you may find yourself unable to rebuild without taking a second mortgage.

Let me make sure your covered.

https://www.bloomberg.com/graphics/2021-us-housing-construction-costs/

Building a Home in the U.S. Has Never Been More Expensive Prices and demand surged, just as supplies dwindled.

Renovating? Construction & Reconstruction costs are at an all time high. Is your home still insured to its replacement cost value?
If you are contemplating renovation or have not reviewed your homeowners insurance in a while, now is definitely the time!

Ask an Account Executive today: Ask Stacy Insurance

Construction Costs Are Skyrocketing—Should You Build A House? New home construction hit a wall last month, falling 9.5% in April from the previous month, according to the U.S. Department of Housing and Urban Development (HUD) and the U.S. Census Bureau. This comes as the supply of homes for sale continues to lag and the cost of materials to build a home remain

Another reason to choose Binder Agency for your Business Insurance:

Our clients now have complimentary access to Mineral, formerly ThinkHr. This service brings an HR department right to your small business, on desktop and App 24/7 and with Live HR Specialists 9:00-5:00pm!

Want to see what the hype is all about?
https://trustmineral.com/?fbclid=IwAR1Ro44LhUTi-3R4j9dCLqR42RVLv8AbSQLmigg7qGPnYCV_3Gp6xrAK5J8

HR and Compliance Services & Platform | Mineral By combining certified HR experts with tech-enabled tools, we take the guesswork out of HR. Our platform is a one-stop resource for small businesses.

I am seeing a lot of commercial rental space "build outs" for new business' coming into the county. Do you have friends who are starting new business'? If so, what industries are you seeing, outside of restaurants, in the works?
Thanks for sharing! :)

Give the gift of Replacement Cost this holiday season. Direct your friends and family here if they have Allstate in NY or NJ as their homeowner's company.

Why not want an Allstate Homeowners Insurance Policy?
* They do not settle their claims with replacement cost. Your option is Actual Cash Value settlement requiring you to replace the item and you having to basically go to Good Will to find a replacement. Or, if you have purchased their "Reimbursement Provision" then you have to replace with the little they give, show receipts- and ask them to reimburse you for your out-of-pocket cost of buying new and not going to Good Will.

https://www.youtube.com/watch?v=mnXb6UKSXLA

Restaurants are open at 25% capacity
Restaurant owners are investing in outdoor infrastructure and heating elements
Food & Liquor inventory is down
Payroll is reduced-

NOW is the time to call us to review your business insurance and make sure you are rated for the reduction of income and payroll while making sure your business property coverage limit is adequate for your new exposure.

[email protected] is here to help!

Have you lost power due to Tropical Storm ? If you are using a generator, follow these portable generator safety tips to help keep your home and family safer: https://travl.rs/2PtnJZv.
✅ Read safety and operating manual
✅ Never leave your generator running while away
✅ Check your generator periodically
✅ Use caution when touching your generator

Returning to Your Property after a Hurricane Help stay safe when returning to your home after a hurricane. Get tips from Travelers to help you understand what to do after a hurricane hits your home.

Happy Mother’s Day! Thank you for all you do!

Insurance warning: Hand Sanitizer Warning- Flammable and Invisible! DO NOT use hand sanitizer before grilling, cooking on the stove or oven, or smoking!

Be Careful Using hand Sanitizer,!It's Flammable SEE!

We are getting a lot of questions regarding if any of our companies are participating in the premium reduction plan on Auto Insurance. Yes- most of our companies are, with others still considering. Please know that the companies are mailing their program information directly to you. If you have any specific questions, feel free to message us here!

Stay safe and we hope you and your family and friends are well.

Binder Agency