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Emerling Agency, LLC Blog

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Every year nearly 300 children under the age of 5 drown in swimming pools in the United States, making it the leading cause of death for children in that age range. Tragically, 87 % of these deaths occur in backyard pools.  Fortunately, you can take steps to substantially reduce the likelihood of an accidental drowning in your home pool. READ MORE >>

Starting a company is one of the most exciting opportunities for many people. It may mean sharing your ideas, products, and services with those in need. Every business aims to be profitable, though. To do that, you need to minimize key and common risks that could close your company’s doors. READ MORE >>

Owning a Limited Liability Corporation or LLC allows you some protection between your personal assets and the company’s assets. Yet, it remains important to maintain quality business insurance. No matter what type of business you own, having the right type and amount of coverage is critical. READ MORE >>

Motorcycle riders or passengers are injured or killed on average every six minutes in the United States every day, according to the National Safety Council (NSC). Even though motorcycles account for 0.6% of all vehicle miles in the U.S., they make up 14% of all traffic fatalities. READ MORE >>

Local crime can be a big factor in the amount of home insurance you need to protect yourself. Most people only think about things like fire risks and storm threats. Yet, crime plays a role in the frequency of home insurance claims. Because it can occur frequently in some areas, that can raise your costs. READ MORE >>

This year on Fridays, you may see our staff in jeans in exchange for a monetary donation to support the Big Brothers Big Sisters of Erie, Niagara, and the Southern Tier.  Commercial Lines Account Manager Cymantha (Sam) Walters has been volunteering as a Big Sister for over 14 years, and sp... READ MORE >>

Credit scores matter to auto insurance companies. They can shed some light on what type of driver you are. If you have a lower credit score, it may mean you will pay more for the car insurance coverage you need. This is something you can improve, though. Doing so improves your overall financial health. READ MORE >>

Get Protected with the Right Policy for Your Special Event Planning or hosting a special event requires a lot of preparation, and one important part of the planning process is making sure you have the right insurance coverage. To make sure you are protected, you will need a specific type of liability coverage called special event liability insurance. READ MORE >>

Example Claim # 1:  A babysitter left a 5 month old infant unattended in a walker.  The infant toppled the walker, struck her head on the floor and suffered brain damage. The parents of the infant sued the teenage babysitter and her parents.  The court awarded the infant's parents $11,000,000. READ MORE >>

Give me a B  Give me an O Give me a N Give me a D  What does that spell?  BOND  Who needs a BOND?  You do!  Why?  Let us explain:  Whether you’re a business serving liquor, selling vehicles, or a contractor you may need license and permit bonds to operate your business. READ MORE >>

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