Children Moving Back Home? Time to Update Your Insurance!

The American household is changing. The typical single-family home has evolved in the 21st century.

Today, it’s not uncommon for older parents to move in with their grown children, and with the combined rise in housing costs and debt from college loans, more college graduates are moving back home with their parents. In fact,


Have You Underestimated Your Flood Risk?

The Insurance Information Institute (I.I.I.) reports less than 15 percent of homeowners and renters have flood insurance—but nine out of 10 natural disasters involve some level of flooding.

“Too few residences are covered by flood insurance policies because many homeowners and renters underestimate their flood risk,” says Jeanne Salvatore, the I.I.I.’s senior vice president for Public Affairs and chief communications officer,


Insurance Solutions for Midsize to Large Commercial Construction Projects

Baty and Associates provides contract surety bonds for general, highway/heavy, trade and specialty contractors of all sizes. Our history of financial strength and experience combined with consistent and flexible underwriting makes us a perfect business partner for you now, and into the future.

Specialized Expertise

With a broad base of contractors – all types and sizes – our underwriters have the expertise and perspective to help your business grow.


Disaster Fraud on the Rise – Don’t Be a Victim

Disasters can be devastating— but many homeowners will experience further devastation due to fraud.

“Fraud is an unfortunate reality in post-disaster environments,” says Joe Wehrle, president and CEO of the National Insurance Crime Bureau (NICB). “As any recovery gets underway, fraudsters often converge on affected areas to scam disaster victims out of their money while promising to do repairs.


How Remodeling Affects Homeowner’s Insurance

Homebuyers with the vision to consider properties that need remodeling can be a real estate pro’s dream client. In addition to showing such buyers a wider range of homes, you can also help educate them on the potential effects remodeling can have on their homeowners insurance.

While homeowners should consult with their insurance agents regarding specific coverage needs,

smoke alarm

Time to Change those Batteries!

Daylight Saving Time began this weekend, historically serving as a reminder for homeowners to test smoke alarms and carbon monoxide detectors. Most homeowners, however, neglect this important, potentially life-saving task.

According to a recent survey by Mister Sparky® electricians, just over 40 percent of homeowners test their smoke alarms each month; nearly 35 percent don’t conduct monthly tests,

ACA Taxes

Income Tax and the Affordable Care Act – What You Need to Know

While the Affordable Care Act (ACA) is no longer new, each year brings changes to the health care law. As you undoubtedly know, the ACA is inextricably linked to taxes so keeping up with annual changes is important. Given tax season is now well underway, here’s what you need to know when preparing your income tax return this season.

business threat

Common Threats that Make Your Business Vulnerable

Understanding the threats your company faces as well as their potential impact on business operations is crucial in today’s business environment. You should always base response and recovery strategies on an understanding of these threats.

The following list from our partner company Travelers, contains some common threats that could leave critical business resources and operations vulnerable:

  • Natural disasters such as tornadoes, 
flodding season

It’s Flooding Season – Are You Prepared?

Homeowners spend thousands on flood damage repair each year, often hoping for minimal damage after it has already occurred. But wishful thinking can end up costing more money in the long run, says Michael Petri, owner of Brooklyn-based Petri Plumbing and Heating, Inc.

“Homeowners know that there is a chance for flood damage during this season,