Newsletter

When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Personal Insurance

• Review my insurance to make sure I have the right coverage
• Take the time to read my insurance policies
• Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
• Make sure I have identity theft insurance
• Do I have enough life insurance?
• Do I need life insurance for my spouse?

 
Other Items To Consider (you may need insurance for some of these)

• Bought a new car or sold a car
• Changed your marital status
• Bought a boat, RV or ATV
• Change of address
• Welcomed a new baby into the family
• Major inheritance
• Have a new teen driver in the family
• Child headed off to college
• Purchased second home
• Planned foreign travel
• Started a home based business
• I now drive my personal car for work

 
The Neate Dupey Insurance Group had its beginnings in 2010 with the establishment of AMD Insurance Services in Scottsdale, Arizona.

Since then, we have grown to become a boutique independent insurance broking and risk management firm, supported by a large panel of national carriers, with clientele throughout the United States.

We occupy the niche between the big national insurance agencies and the typical suburban or captive agency. This makes us the ideal insurance partner for those clients seeking a combination of personal service and technical expertise.

We focus on tailoring innovative insurance solutions for clients who require more than "off the shelf" financial services.

Most businesses purchase general liability insurance to protect the business against certain kinds of claims. These claims could include bodily injury and property damage. Professional Liability insurance, also called Errors and Omissions insurance, protects against a claim from a third party who suffers a financial loss because of services or actions.  Any individual or business in a profession that provides advice, expertise, recommendations, or a professional service to customers, clients, or another party, would benefit from Professional Liability insurance.

Typically, professionals such as doctors, accountants, nurses, insurance agents, lawyers, and architects purchase Professional Liability insurance. However, if you have clients who are in the business of providing advice, opinions, or services, they should consider Professional Liability insurance.  Professionals who provide advice are expected to have knowledge or training in their particular area of expertise. They are also expected to perform the services for which they were hired according to the standards of conduct in their profession.  Businesses and individuals can be held legally responsible for any financial loss caused.

It’s important to note that almost all Professional Liability insurance policies are sold on a “claims-made” basis. This means that the insurance only covers work performed while the policy is in force, and for claims actually filed during the term of the policy. Professional Liability insurance is offered in many different forms that protect many kinds of firms.

If someone feels he or she has suffered loss or damages due to a professional service, often their next action is a lawsuit.  These kinds of actions can be costly and severely reduce a firm’s resources. Professional Liability insurance can help preserve assets and more importantly help preserve the firm’s reputation.

The Neate Dupey Insurance Group had its beginnings in 2010 with the establishment of AMD Insurance Services in Scottsdale, Arizona.

Since then, we have grown to become a boutique independent insurance broking and risk management firm, supported by a large panel of national carriers, with clientele throughout the United States.

We occupy the niche between the big national insurance agencies and the typical suburban or captive agency. This makes us the ideal insurance partner for those clients seeking a combination of personal service and technical expertise.

We focus on tailoring innovative insurance solutions for clients who require more than "off the shelf" financial services.

 

“Ho ho ho ho, Merry Christmas and a Happy New Year!” As this holiday season approaches, many of us are preparing for big celebrations and parties. Food, snacks, wine, beverages… there is no better time of the year to fill yourself to your heart’s desire!
However, if you are a health-conscious type of person, then this article will reveal some tips for staying healthy this holiday season (while everyone else around you gains 5 pounds!).

1. Eat Snacks Moderately – Let’s face it, snacks are abundant during the holidays seasons (as if they aren’t already throughout the year). If you take a seat within an arm’s reach of the snack table, you’re going to have a tough time keeping yourself from unconsciously grabbing handfuls of party mix, candies, and the like and picking at them all day.

2. Exercise, Exercise, Exercise! – There is no better thing to do during this festive season than to exercise! If the weather permits it, go out and take a quick walk around the house or block. If your celebration is taking place in a colder climate, you’ll be more inspired to quicken your pace and burn a few extra calories in the process. If the weather is bad, do 10-20 squats, stretches, or other brief exercise each time you go to the restroom.

3. Eat Healthy Foods – Take an extra scoop of vegetables and fruit when filling your plate, and by the time you finish, you won’t have room for the other foods which are higher in calories and more likely to cause you to gain weight. Also, avoid those fatty and fried foods (they taste good, but you know they aren’t healthy!)

4. Drink A Lot of Water Throughout The Day – Water helps your body stay fit. Drink a fair amount of water or other unsweetened beverage before each meal, as well as during and between them. The liquid in your stomach will help trick your mind into not feeling as hungry, which reduces the tendency to gorge yourself on potentially fattening foods.

5. Eat in Smaller Portions – Instead of eating platefuls of food, try eating smaller portions throughout the day. No doubt, everything at the table looks good, and it’s all you can do to keep from filling your plate 2-3 times so that you can sample everything.
Keeping healthy during this holiday season is simply making sure you follow healthy habits just like anytime of the year. However, don’t fret it if you end up gaining a few pounds during the holidays. After all, the holiday season is only one of the few times of the year where you can truly enjoy yourself!

All of us at Neate Dupey Insurance Group would like to wish you and yours a very happy and safe holiday season.
 

A Personal Insurance Update
November is here and that means the holiday season has started.  Over the next number of weeks, holiday activities will consume much of our time.  This is also the season when homeowners have insurance claims for fire, burglary, theft from vehicles, and even auto accidents.

Now may be the best time to have us review your personal insurance in order to make sure you have the individual coverage you need.

Shopping Safety Tips

• Always be aware of your surroundings.
• Put your shopping bags in your trunk.
• NEVER leave car doors unlocked or windows open.
• ALWAYS park in lighted areas. Do NOT park in remote areas.
• Shop with a friend.
• Keep receipts in your wallet or purse.
• Avoid carrying large amounts of cash.
• As you return to your car, make sure to keep your car key in your hand.
• If you make expensive purchases, like jewelry or guns, call our office, as we may need to add these to your policy.

Christmas Tree Safety (provided by the NFPA)

• Make sure the tree is at least four feet away from any heat source, like fireplaces, radiators, candles, heat vents or lights.
• Make sure the tree is not blocking any exit or door.
• Add water to the tree stand daily.
• Never use lit candles to decorate the tree.
• Only used approved lights.
• Connect no more than three strands of mini string sets and a maximum of 50 bulbs for screw-in bulbs
• Replace any string of lights that has worn or broken cords or loose bulb connections.

Home Safety Tips

If you are planning a vacation during the holiday, here are few ideas to consider:

• Get a security system.
• Trim landscaping that is too close to your house.
• Don’t advertise your vacation on social media.
• Cancel mail and other deliveries.
• Leave lights on when gone.
• Have a neighbor check on your home.
• Always lock your garden sheds and garages.
• Use a variable light timer to activate lights inside your home.
• Lock all doors and windows.
• While you are gone, arrange for your lawn to be mowed.
• Have adequate exterior lighting.

 

The Neate Dupey Insurance Group had its beginnings in 2010 with the establishment of AMD Insurance Services in Scottsdale, Arizona.

Since then, we have grown to become a boutique independent insurance broking and risk management firm, supported by a large panel of national carriers, with clientele throughout the United States.

We occupy the niche between the big national insurance agencies and the typical suburban or captive agency. This makes us the ideal insurance partner for those clients seeking a combination of personal service and technical expertise.

 

Every business needs business insurance.  But business insurance policies are all different. That is why it is always better to use an independent agent who knows and understand your business and industry. The insurance needs for a restaurant are much different than the insurance needs of a manufacturer, and the coverage should reflect that.

If you own or operate a business, you may want to consider these coverages as part of your business insurance package. Our keys to coverage will assume some of the obvious coverage such as property and liability.  We also want to identify some business insurance coverage you may not have considered.

• Sprinkler leakage insurance--If your sprinkler system leaks and causes a loss to equipment or documents, do you have coverage?
• Business income insurance--After a covered loss, you may have a period of recovery time when you are closed. Without business income insurance your business may run out of funds.
• Umbrella Insurance--An umbrella policy provides extra insurance protection over your commercial general and auto liability policies. It is not uncommon for a business to be sued for over $1,000,000.
• Cyber liability--Cyber breaches are the fastest growing causes for loss for most businesses. Every business needs the protection provided by cyber insurance.
• Employee dishonesty--This policy protects employers from workplace theft and fraud. 

The Neate Dupey Insurance Group had its beginnings in 2010 with the establishment of AMD Insurance Services in Scottsdale, Arizona.

Since then, we have grown to become a boutique independent insurance broking and risk management firm, supported by a large panel of national carriers, with clientele throughout the United States.

We occupy the niche between the big national insurance agencies and the typical suburban or captive agency. This makes us the ideal insurance partner for those clients seeking a combination of personal service and technical expertise.