Pizzeria Owners learn about Delivery Dilemmas: Employees vs. Third-Party Services — What Every Pizzeria Owner Needs to Know

Running a pizzeria in New York isn’t just about perfecting your dough or making sure the pepperoni curls just right in the oven. It’s also about managing risks that can sneak up on you faster than a hungry teenager at lunchtime. One of the biggest risks I see all the time? Delivery drivers. The Delivery Reality If your pizzeria offers delivery (and let’s face it, most do), chances are you rely on one of two setups: 1. Employees using their own cars to make deliveries, or 2. Third-party delivery services like UberEats, Grubhub, or DoorDash. Here’s the kicker : in either case, you may still be on the hook if something goes wrong. The Employee’s Car Trap Let’s say Joey, your weekend delivery guy, uses his old Honda Civic to bring pizzas across town. If Joey causes an accident, guess what? - Joey’s personal auto insurance may exclude business use. - The injured party’s attorney is going to look for deep pockets — and that means your pizzeria. I’ve personally seen one New York shop end up with a $150,000 legal bill after a delivery accident because they didn’t have the right coverage. No slice of pizza is worth that kind of money. But I Use Third-Party Apps! Am I Safe? Not so fast. Many shop owners assume that using Grubhub or UberEats means they’re off the hook. Unfortunately: - Third-party contracts often contain indemnification clauses that can pull you back into the lawsuit. - If a driver causes harm while carrying your food, your name can still end up in the claim. - Courts in New York have shown a willingness to involve the restaurant, even when the driver is a contractor. Bottom line: If your name is on the pizza box, you could be on the lawsuit. The HNOA Safety Net Here’s what Hired & Non-Owned Auto Liability (HNOA) does for you: - Covers your business if an employee or contractor causes an accident while driving a vehicle you don’t own. - Helps pay for medical costs, legal fees, and damages. - Gives you peace of mind knowing one accident won’t sink your shop. And here’s the good news: most pizzerias can add HNOA coverage for just a few hundred dollars a year — less than the cost of one big catering order. Penny’s Pizzeria Insurance Pro Tip If delivery makes up more than 25% of your sales, talk to me about additional auto or umbrella coverage. In New York, claim costs can escalate quickly, and one bad accident can knock a family business out of the oven for good. Frequently Asked Questions Do I need this if I only deliver on weekends? Yes — even one accident could result in a lawsuit against your business. Frequency doesn’t reduce liability. What if my drivers sign a waiver saying they’re responsible? Waivers won’t protect you in court. Attorneys will still go after the business. Does my General Liability cover delivery accidents? No. GL covers injuries at your shop, not accidents out on the road. HNOA fills that gap. Final Slice Running a pizzeria in New York is already a juggling act: fire codes, health inspections, rising food costs… the list goes on. Don’t let delivery liability be the thing that burns your business. Hired & Non-Owned Auto Liability isn’t just a coverage — it’s your delivery insurance lifeline. Schedule a pizza insurance review with me today. I’ll bring the coverage advice — you bring the garlic knots. Here is my Calendly Link: calendly.com/penny-hendrie

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When it comes to protecting your biggest investment—your home—having the right insurance isn't just a good idea; it's essential. For homeowners in Plattsburgh, New York, the stakes are especially high. With increasingly severe weather patterns, rising rebuilding costs, and often overlooked coverage gaps, ensuring your policy meets your actual needs is more critical than ever. At Eastern Insuring Agency, we specialize in helping North Country homeowners find the best home insurance in Plattsburgh—tailored to your property, lifestyle, and risk factors. Here's why now is the time to review and potentially upgrade your homeowners insurance. 1. Lake-Effect Snow and Ice Storms: A Persistent North Country Risk While Plattsburgh doesn’t see lake-effect snow on the same scale as areas near the Great Lakes, Lake Champlain can still generate localized lake-effect snowstorms—especially when cold northerly winds are in play. These systems can bring sudden, heavy snowfall to specific neighborhoods while leaving nearby areas untouched. In addition to snow, ice storms are a major hazard in the region. Plattsburgh regularly experiences freezing rain and ice accumulation, which can: ✅ Weigh down tree limbs and power lines ✅ Create treacherous conditions for roofs and walkways ✅ Cause power outages lasting days ✅ Lead to ice damming that damages interior walls and ceilings Unfortunately, not all standard homeowners policies include adequate protection against these winter-specific threats, particularly water damage caused by ice dams or sump pump failure. At Eastern Insuring, we help you understand and fill these coverage gaps so you’re not left exposed when winter hits hard. 2. Rising Replacement Costs Are Leaving Homeowners Underinsured Between supply chain disruptions, inflation, and labor shortages, rebuilding costs in New York State have surged over 25% in the past few years. Yet, many homeowners haven’t updated their policy limits to reflect the current cost to rebuild. This means you might be underinsured—even if you’ve never changed your home. Ask yourself: ✅ Has your policy been reviewed in the last 2 years? ✅ Have you remodeled your kitchen or bathroom? ✅ Do you know your current “replacement cost” per square foot? At Eastern Insuring Agency, we conduct free annual home insurance reviews to ensure your coverage keeps up with market changes—so you won’t be blindsided after a disaster. 3. Common Coverage Gaps You Might Not Know About Many Plattsburgh homeowners are surprised to learn their policies don’t cover everything they assumed. Here are a few areas where we often spot gaps: ✅ Water backup & sump pump failure: This is not always standard but is critical for North Country basements. ✅ Detached structures (garages, sheds): Coverage limits may be too low. ✅ Personal property limits: Items like jewelry, art, and collectibles may need scheduled coverage. ✅ Service line protection: Underground utility lines can cost thousands to repair and are usually not covered without an endorsement. With Eastern Insuring Agency’s tailored approach, we walk you through these hidden gaps and help you fill them cost-effectively. 4. Real Estate Trends & Short-Term Rental Risks Plattsburgh’s housing market has seen a recent uptick in demand, driven by affordability and lifestyle appeal. With more homeowners renting out parts of their property via Airbnb or VRBO, standard home insurance may no longer be sufficient. Short-term rentals typically require a rider or commercial policy to cover liability and guest-related damages. If you’re planning to generate income through your home, we can help ensure you’re protected legally and financially. 5. Why Eastern Insuring Agency is the Local Choice for Peace of Mind At Eastern Insuring Agency, we’re not just insurance advisors—we’re part of the fabric of the communities we serve. We live, work, and play right here in Plattsburgh and across the North Country. From cheering at local high school games to navigating snowy sidewalks in winter, we understand what home truly means here. We know the unique challenges and joys that come with owning a home in this region—whether it’s prepping for the first snowfall, maintaining a camp by the lake, or making sure your furnace holds up through a March cold snap. We’ve lived those moments too. When you choose Eastern Insuring, you get: ✅ Friendly, local service from people who care about your neighborhood ✅ Access to top national and regional carriers, giving you flexibility and choice ✅ Smart, personalized guidance for finding the best homeowners insurance in Plattsburgh ✅ Ongoing support, including annual policy reviews and one-on-one consultations We’re here to help you protect what matters most—your home, your family, and your peace of mind—backed by people who genuinely understand your world. Ready for a Home Insurance Check-Up? Don’t wait until the next big wind, rain, snow or sleet storm to find out your policy comes up short. Contact Eastern Insuring Agency today to get started with a personalized homeowners insurance review. It's quick, it's free—and it could save you thousands. 📞 Call us at 1-800-698-1222 📧 Email: info@easterninsuring.com Your home deserves more than just standard coverage. With Eastern Insuring, you get protection designed for life in Plattsburgh, NY.

When it comes to protecting your assets, your peace of mind, and even your future income, few policies offer more bang for your buck than a personal umbrella policy. Especially for residents of New York State—where property values, litigation costs, and personal liability risks are high—umbrella insurance is an essential yet often overlooked part of a sound insurance strategy. Let’s dive into what umbrella insurance really is, why it’s so affordable, and explore real claim stories that show just how valuable this coverage can be. What Is Umbrella Insurance? A personal umbrella policy provides an extra layer of liability protection on top of your auto, homeowners, renters, or even boat insurance. It kicks in when your primary policy reaches its coverage limits. Example: Say your auto policy covers up to $300,000 in liability, but you're sued for $1 million. An umbrella policy can cover the remaining $700,000—preventing you from losing your home, investments, or future earnings. Real Case Studies: The Untold Stories Behind Big Claims Travelers Insurance has shared powerful real-life examples that illustrate the kinds of claims most people never think could happen to them. Here are just a few: 🧒 The Babysitter Incident A teenage babysitter left a 5-month-old unattended, resulting in a fall and severe brain injury. The court awarded the parents millions of dollars in damages. 🏊 The Backyard Pool Disaster An engineer dove into a friend’s above-ground pool, became a quadriplegic, and successfully sued for $5 million. The homeowner was held 60% responsible. 🚗 The Teen Driver Tragedy An 18-year-old son was driving his parent’s vehicle when he crashed. His girlfriend suffered long-term injuries. Both the auto and umbrella policy limits were used to cover the claim. 🔥 The Bonfire Explosion A beach bonfire party turned tragic when a propane tank exploded, injuring multiple guests. A multimillion-dollar claim was filed against the hosts. These are just a few of the ten sobering scenarios shared by Travelers that prove high-dollar liability risks don’t just happen to wealthy people—they happen to everyday families​ . Why New Yorkers Should Care In New York, lawsuits involving personal injury and property liability are common—and expensive. Medical bills, legal fees, and settlements can quickly exceed base policy limits. Whether you own a home in the Adirondacks, drive through Manhattan, or host a family barbecue in Buffalo, umbrella coverage is your shield against catastrophic financial loss. And don't forget: New York is a comparative negligence state, meaning you can be held partially responsible and still face substantial claims—even if you weren’t primarily at fault. Bundling Umbrella Insurance: Surprisingly Affordable One of the best-kept secrets in the insurance world? Umbrella insurance can often be bundled with your auto and home policies—sometimes costing as little as $150–$300 per year for $1 million in coverage. Carriers like Travelers and others often offer multi-policy discounts, which means your total premium increase may be negligible—or even offset by savings in your bundled package. In some cases, people add umbrella coverage and pay less overall because of the discount structure. Who Needs Umbrella Insurance? You don’t need to be a millionaire to be sued like one. Consider umbrella insurance if you: Own property or rent a home Drive a car, especially with teen drivers Host guests or parties Have a swimming pool, trampoline, or pets Engage in activities like volunteering, coaching, or social media posting Want to protect future earnings and retirement savings Final Thoughts: It's Not Just Extra—It's Essential Umbrella insurance isn’t just for the wealthy or paranoid—it’s for the practical and prepared. The minimal cost compared to the massive protection it offers makes it one of the best values in insurance today. With compelling stories from real claims, we see that the unexpected does happen. In New York State, where liability risks run high, umbrella coverage could be your financial life jacket. Talk to an Eastern Insuring Agency agent today to explore how umbrella coverage can be bundled into your insurance portfolio—and gain peace of mind for pennies a day. Want more resources or need help tailoring umbrella coverage for your lifestyle or New York property? Reach out—let’s make sure you're protected when it matters most. 🛡️

Imagine this : You're hosting a casual backyard get-together. The fire pit is crackling, kids are laughing, and the night is going great. Then—BOOM. A discarded propane tank explodes in the bonfire. People are injured. Lawsuits follow. Your home insurance maxes out. What now? That’s where umbrella insurance comes in. Most people believe their auto or homeowners insurance is enough. But in today’s world, one accident, one lawsuit, or one online post can cost you millions. Once your base policy limits are exhausted, you're personally responsible for the rest. Here are real-life stories* that show exactly why umbrella insurance isn't just smart—it's essential. 👶 One Babysitter, One Life-Altering Mistake A teenage babysitter left a 5-month-old unattended in a walker. The infant toppled over and suffered severe brain damage. The parents were sued for millions. Could your homeowners policy cover that? Umbrella insurance can. 🏊 A Dive That Changed Everything A young engineer dove into a friend’s above-ground pool, struck his head, and became a quadriplegic. The homeowner was held 60% responsible. Total judgment: $5 million. Even a fun day at home can lead to life-altering lawsuits. 🚗 One Drive. One Crash. Lifelong Consequences. An 18-year-old crashed with his girlfriend in the car. She spent a month in the hospital, now walks with crutches, and has permanent injuries. Both the auto and umbrella policies were maxed out. Would your auto policy alone be enough? Probably not. 🧐 The Furnace That Nearly Killed a Friend A faulty furnace led to carbon monoxide poisoning. The guest claimed permanent brain damage and sued for $750,000. Something you didn't know was broken could cost you everything. 📱 The Online Comment That Cost $750K A student posted false remarks about her teacher online. The teacher sued the parents. The result? A $750,000 settlement. Yes—you can be sued for what your kids post online. 🏀 The Coach and the College Scholarship A teen athlete sued her coach for $700,000, claiming his training cost her a scholarship. Even unpaid volunteers can be held financially responsible. 🏡 Your Property. Your Problem. A concrete hillside installed before a home purchase collapsed onto a neighbor's property, knocking their home off its foundation. $970,000 in damages. You could be liable for things you didn’t even install. 🎯 Paintball and a $475K Injury A child removed her headgear while leaving a backyard paintball field and got hit in the eye. The injury led to a $475,000 claim. You followed the rules. It didn’t matter. 🔥 A Beach Bonfire Ends in a Courtroom At a casual beach party, a discarded propane tank thrown into the fire exploded. Multiple guests were injured. A multi-million-dollar lawsuit followed. You didn’t cause the explosion. You’re still responsible. 🎉 Teen Party, Real Consequences Teens brought alcohol to a house party. A guest drove drunk and crashed. The homeowners were held responsible, even though they didn’t supply the alcohol. In the court’s eyes, it happened on your property. That makes it your problem. ⛰️ Umbrella Insurance: The Safety Net You Didn’t Know You Needed Umbrella insurance provides $1 million or more in liability coverage that kicks in after your home, renters, or auto policy maxes out. It protects you from: - Bodily injury lawsuits - Property damage you’re liable for - Defamation, libel, and slander - Legal defense costs - And more 🚨 FAQs About Umbrella Coverage Q: Who needs umbrella insurance? A: Anyone with a home, a car, kids, savings, or a future to protect. Q: Is it expensive? A: Most policies cost less than $1 a day for $1 million in protection. Q: Does it cover legal fees? A: Yes—even if a lawsuit is groundless, your defense is covered. 📢 Don’t Wait for a Lawsuit to Learn the Hard Way Accidents happen fast. Lawsuits happen even faster. Umbrella insurance gives you financial breathing room when the unexpected happens. Let’s review your current coverage and see if umbrella protection is right for you. Request Your Free Umbrella Insurance Quote Today! 📅 #PeaceOfMind #UmbrellaInsurance #LiabilityProtection #RealStoriesRealCoverage *Case Studies provider by Travelers

Decoding Life Insurance

Auto insurance can be complex, with various coverage options designed to protect against different types of risks. Two fundamental components of auto insurance—Comprehensive and Collision Coverage—play distinct roles in shielding drivers from financial losses. In this blog, we'll unravel the differences between Comprehensive and Collision Coverage in the context of New York State (NYS) auto insurance. Defining Comprehensive Coverage: What is Comprehensive Coverage? Comprehensive Coverage, often referred to as "Comp," is an auto insurance component that provides protection against non-collision-related damages. This includes losses due to theft, vandalism, natural disasters, falling objects, and contact with animals. Essentially, Comprehensive Coverage safeguards your vehicle from events beyond standard accidents. Pros of Comprehensive Coverage: Protection Against Non-Collision Events: Comprehensive Coverage extends protection to a wide range of non-collision incidents, offering financial support for damages caused by events such as hailstorms, fire, or theft. Coverage for Animal Collisions: Collisions with animals, such as deer or pets, are covered under Comprehensive Coverage. This is particularly relevant in regions with a higher risk of such incidents. Vandalism and Theft Protection: Comprehensive Coverage provides a safety net against vandalism and theft, ensuring that the costs of repairing damages or replacing a stolen vehicle are covered. Cons of Comprehensive Coverage: Deductibles Apply: Similar to other insurance coverages, Comprehensive Coverage often involves deductibles—out-of-pocket expenses that the policyholder must pay before the insurance coverage kicks in. Does Not Cover Collision Damage: Despite its broad scope, Comprehensive Coverage does not cover damages resulting from standard collisions with other vehicles or objects. Defining Collision Coverage: What is Collision Coverage? Collision Coverage, as the name suggests, is designed to protect against damages resulting from collisions with other vehicles or objects. This includes accidents where the insured driver is at fault or when the responsible party is uninsured. Pros of Collision Coverage: Protection for Collision Damage: The primary purpose of Collision Coverage is to provide financial protection for damages incurred during collisions with other vehicles, objects, or even rollovers. Coverage Regardless of Fault: Collision Coverage applies irrespective of fault, ensuring that the insured vehicle is protected even if the policyholder is responsible for the accident. Cons of Collision Coverage: Deductibles Apply: Similar to Comprehensive Coverage, Collision Coverage often involves deductibles that the policyholder must pay before the insurance coverage takes effect. Higher Premiums: The inclusion of Collision Coverage in an auto insurance policy may contribute to higher premiums. Policyholders should assess the cost-benefit ratio based on their individual circumstances. Comprehensive and Collision Coverage are integral components of auto insurance, each offering specific protections against different risks. When crafting an auto insurance policy in New York State, carefully evaluating your needs, considering potential risks, and consulting with your agent at Eastern Insuring Agency will help you strike the right balance between Comprehensive and Collision Coverage. This ensures that you have a robust and tailored defense against a range of potential damages and losses on the road. Message from Eastern Insuring Agency: Navigating the intricacies of insurance coverage requires a personalized approach, taking into account your unique circumstances, preferences, and financial goals. To gain a comprehensive understanding of the information provided in this blog and its direct relevance to your specific insurance needs, we encourage you to reach out to your dedicated agent at Eastern Insuring Agency at 1.800.698.1222. Our team is here to guide you through the decision-making process, answer any questions you may have, and ensure that you have the right coverage in place for your peace of mind. Your agent at Eastern Insuring Agency is committed to providing the expertise and support you need to make informed choices and safeguard what matters most to you.