Insurance Archives - Mackenzie Hughes LLP.

Helping Out Our Furry Friends

Helping Out Our Furry Friends As the cold weather approaches our area, pet owners in Syracuse should be aware of the new legislation passed in June of this year which stipulates that an animal shall not be left outside for more than two hours below 30 degrees or above 90 degrees. The legislation, known as…

To Shovel, or Not to Shovel

Winter is upon us in Central New York, complicating our morning commutes and creating more work for us each morning as we clean off our cars and shovel our driveways. Recently, in the City of Syracuse, clearing snow from sidewalks has become a hot button issue as the Common Council contemplated whether to impose fines…

The 411 on Construction Contract Insurance Provisions

Are you a business owner who is considering a physical expansion which may involve a construction project? If so, you will likely enter into a contract with the General Contractor (GC) or Construction Manager (CM) which you may believe provides you certain protections from potential personal injury claims from workers hurt on the project. You…

Beneficiary Designation Forms: A Good Estate Plan Is Not Complete Without A Review Of These As Well

Now that you are finally getting around to having your Will prepared or updated, or even considering adding a Revocable Trust to your planning documents, it is also important to plan for those assets that are subject to a document commonly referred to as a beneficiary designation form. Most commonly, my clients inquire: Doesn’t my…

Is your child driving for Uber? The nuts and bolts of ride-sharing and insurance coverage.

If you have a child who is still insured on your auto policy while they are away at College or beginning to transition out on their own, they may be tempted to make a few bucks by driving for one of these ride-share companies. If an accident occurs with serious injuries while your child is…

For The Collectors Among Us

You may face an important gap in insurance coverage if you maintain a collection of items such as fine art, sports memorabilia, jewelry, guns, furs, antiques, stamps, coins, wine, dolls/toys, action figures or auto/movie memorabilia and rely on your homeowner’s policy to insure your collection. Without additional coverage, your collection will likely be lumped in…

License and Registration Please – And Proof of Insurance Too

“License and registration please” – every motor vehicle operator dreads hearing those words, typically spoken by a police officer following a traffic stop. But just having your license and the vehicle registration available is not enough. You must also be able to produce proof of financial security – insurance – to a police officer.

Don’t Trash That Evidence!

If you are a home or business owner and someone is injured on your property, your gut reaction is probably to fix or remove the dangerous condition that caused the accident as soon as possible. An uneven brick paver or pothole that causes someone to trip and fall; a bottle of cleaning solution with a…

Protecting Your Business from Construction Injury Claims

The owners of small businesses that provide general contracting or construction trade services know that workers’ compensation and commercial general liability insurance is expensive. Unless your company has also taken the steps discussed below, all the money spent for those policies may not fully protect your company in the event of a worksite personal injury…

Someone Was Injured On My Property . . . Now What Do I Do?

Many people complain that our society has become obsessed with litigation. It seems as though everyone who gets hurt wants to sue, even if the accident was their own fault. You must be prepared in the event someone claims they were hurt on your property. If you ever find yourself the recipient of a complaint…