Name: ASZ International, Inc.
Address: 200 Summit Lake Drive, Suite 220, Valhalla, NY, 10595
Telephone: 800-694-0279

Three things you might not know about umbrella insurance

Posted on March 30, 2023March 30, 2023 by admin

You should consider purchasing umbrella insurance if you’re concerned about losing assets if you get sued. In this scenario, umbrella insurance from ASZ International Inc. can provide liability coverage to protect you financially.

Know these three things about umbrella insurance in Westchester, NY.

Umbrella insurance expands upon the coverage offered by your auto and home policies.

While your auto and home insurance can cover you for liability expenses you face, there are limits on these policies. Umbrella insurance policies address the fact that these policies limit coverage by covering costs you incur more than your auto and home insurance policy limits.

You can choose the amount of umbrella insurance coverage you need.

Consumers will typically choose enough umbrella insurance coverage to cover the value of their total net worth. It’s pretty typical for umbrella insurance to be sold in increments of $1 million.

When calculating how much umbrella insurance to buy, it’s best to figure out your net worth. This way, you can be insured against liability expenses for everything you own to protect all your assets.

Umbrella insurance can cover you if you’re sued for slander or libel.

Some people don’t realize that umbrella insurance can cover you if you become entangled in a slander or libel dispute.

Another party could sue you if you are accused of spreading libel or slander about that person. Fortunately, you will be covered for your expenses to mount a legal defense if you have umbrella insurance.

Consumers in Westchester, NY can enjoy total financial security with the right umbrella insurance policy. Get a quote on a policy by contacting us at ASZ International Inc.

How to Prepare for a Home Flooding

Posted on February 28, 2023February 28, 2023 by admin

Do you live in an area that’s prone to flooding? Then your home may be at risk of property damages, financial losses, and other related issues. Water damage becomes expensive, costing homeowners thousands of dollars in repair costs. Sometimes, the best solution is to create a plan that prepares against a flood. At ASZ International Inc., our team is discussing the different options that a homeowner has in the event of flooding – including a comprehensive insurance package.

Prepare an Emergency Kit

The emergency kit is an immediate first aid kit that helps the homeowner during a flood. The kit should include emergency contacts, canned food, batteries, warmers, personal identification, or an insurance certificate. For your emergency kit, come up with a list of supplies needed when an area of the house is compromised in this way.

Minimize the Potential Losses

You can renovate your home to prevent significant losses from happening. This process often involves waterproofing your basement, redesigning doors and windows, or clearing the house gutters. Some people even opt to design the foundation to prevent cracks from forming.

Find an Insurance Plan that Covers Disaster Relief

Insurance will provide financial protection against a flood. While looking for home insurance, you should search for policies that pay for disaster relief, possession loss, or water damage to a residence.

Buying Flood Insurance in Westchester, NY

ASZ International Inc is an agency that provides flood insurance. Our plans will pay for property damages and financial losses related to the flooding. If you’re interested in hearing more, contact our agency at 800-694-0279. We’d be happy to schedule an appointment with one of our agents.

What Does Condo Insurance Cover?

Posted on January 31, 2023January 31, 2023 by admin

Condo insurance is essential to have in place to protect against any losses or repair costs for your condominium unit. The agents at ASZ International Inc. in Westchester, NY want you to know what condo insurance covers and why it is important for your New York condo.

Why is Condo Insurance Important?

Most of the time, the condominium association that governs the complex in which your condo is located has its own coverage in place. Their insurance may only cover the building in which your condominium is located and common areas throughout the complex and liability insurance for the association. This means if someone breaks into your condominium or is injured while visiting your condo, you are liable for those costs, which is why you need your own condo insurance policy.

What does a condo insurance policy cover?

While the bylaws of your condo association and state laws will determine exactly what the association must cover with its master insurance policy, it is up to you to obtain a condo insurance policy that works well for you and your situation.

Most of the time, condo insurance will cover the interior walls and possibly the fixtures inside your condo. It can also cover damage to your condominium caused by smoke, fire, lightning, a windstorm, theft, vandalism, or malicious mischief. It can also cover what is referred to as an accidental discharge of water inside your condo.

Contact Us

It is imperative that you have your own condo insurance policy in place to cover the many things that the condo association’s insurance will not cover. Contact one of the experienced and trusted agents at ASZ International Inc. in Westchester, NY today to get your policy started!

Rising Commercial Auto Rates

Posted on January 12, 2023January 12, 2023 by Joann Koziol

If you are a business owner and you have commercial auto insurance, then you may have noticed that your rates have been increasing. Let’s look at why commercial auto insurance rates are on the rise.

The Cost of Claims
One of the primary reasons for an increase in commercial auto insurance rates is the cost of claims. The more expensive the claim, the more likely it is that insurance companies will need to increase their premium prices in order to offset costs. It is important to note that this isn’t necessarily something specific to commercial auto insurance; rather, it has become increasingly difficult for insurers to make money in general as the cost of claims continues to rise.

Risk Management Practices
In addition to rising claim costs, another factor contributing to higher premiums is risk management practices. As technology advances, there are more ways for insurers to identify and manage risk effectively. For example, insurers can now use predictive analytics and telematics data to assess a driver’s risk profile and adjust their premiums accordingly. By implementing these practices, insurers can better manage risk and protect themselves from potential losses.

Changes in Auto Insurance Market
Finally, the changes in the auto insurance market also contribute to rate increases. In recent years, there has been an influx of new competitors entering the space offering low-cost policies with attractive benefits. This increased competition has driven down prices overall but also created an environment where insurers must continue raising their rates just to stay competitive.

Overall, commercial auto insurance rates are increasing due to a variety of factors including rising claim costs, risk management practices, and changes in the auto insurance market. While this can be frustrating for business owners who rely on their vehicles for work-related purposes, we can help you make informed and proactive decisions. Contact us at info@aszinternational.com for assistance.

What is the benefit of having a health insurance plan in New York?

Posted on December 30, 2022December 30, 2022 by admin

In the Westchester, NY area, people must carefully evaluate their insurance needs. For the typical person, various forms of coverage need to be obtained. A type of coverage that everyone should have is health coverage. Multiple benefits come when you have a health insurance policy in this part of New York.

Access to Affordable Care and Medication

A primary reason to have a health insurance plan is to have affordable access to care and medication. The costs can be significant if you try and see a doctor, get medication, or go through a procedure without insurance. With a health insurance plan, you can affordably receive this care and attention when necessary, as your costs will be subsidized by insurance.

Comply with Requirements

Getting a health insurance plan to comply with any requirements will also be a good idea. Today, all people in New York and the rest of the country are required to have a health insurance plan at all times for themselves and any dependents. If you do not consistently carry this insurance, you will violate this requirement and could be penalized.

Health insurance should always be a top priority when building a personal insurance plan in Westchester, NY. When you are looking to get this type of coverage, it could be helpful to call the team with ASZ International Inc. There are a lot of choices to make when looking for this coverage, and ASZ International Inc. can help you identify your options. This can ensure you get the coverage needed to stay in compliance and access affordable care.

Tips for driving in the snow

Posted on November 30, 2022November 30, 2022 by admin

If you’re one of the millions of people hitting the roads this winter, it’s important to be prepared for driving in the snow. Here are a few tips to help you stay safe while driving this winter.

Plan your route before you go. This is especially important if you’re driving in an area with common snowfall and icy conditions, as it can help you avoid treacherous roads and hazardous driving situations. Consider checking weather forecasts and traffic alerts in advance, so you know what to expect on your drive.
Slow down and use caution when driving in the snow. This is especially important during heavy snowfall, as it can be difficult for drivers to see and react quickly on slick roads. Keep an eye out for black ice, and take it slow when turning corners or braking suddenly.
Keep a safe distance from other cars. It can be easy to lose track of how far away other vehicles are in snowy conditions, so it’s important to give yourself plenty of space. Not only will this help you avoid accidents, but it can also allow you the extra time to react if something goes wrong on the road.
Know how to handle skids and slides. If your car starts to skid or falls on the road, remain calm and focus on steering in the direction that you want to go. Avoid slamming on the brakes, as this may worsen the situation, and never try to overcorrect your steering.

If you have questions about staying safe in the snow or want more auto safety tips, give ASZ International Inc. a call today. We proudly serve the Westchester, NY area.

Is it time to upgrade the commercial policy protecting your Westchester, NY area business?

Posted on October 31, 2022October 31, 2022 by admin

The team at ASZ International Inc. is here for the Westchester, NY area business community. Contact our office today if you have questions about your commercial insurance policy. We are happy to sit down with you, review your current policy, and help you determine if it’s time for an upgrade.

Is it time to upgrade your commercial insurance policy?

Owning a business takes a lot of time, energy, and dedication. Due to most business owners’ hectic and demanding schedules, it’s easy for something like upgrading an insurance policy to fall by the wayside. Without proper attention, a business can outgrow its commercial insurance policy, leaving the company uninsured and at risk.

For most businesses, it’s advisable to carefully all insurance policies at least once a year. During this review, you can determine if your policy is still fulfilling all of your needs, both as a policy type and at the level of protection it offers. It is not uncommon for business owners to overlook the fact that their company has outgrown its policy.

Sitting down to closely review your commercial insurance policies is a wise action to take. Don’t wait until it’s too late to realize that you no longer have the protection your company needs. Our team is here to help you with this review and help you determine if your current policy meets your current and future needs.

Contact our office today

ASZ International Inc. is proud to serve the greater Westchester, NY business community’s insurance needs. If you have questions about commercial insurance, we are here to help. Contact our office today to learn more about the insurance services we provide to our regional business community.

Tips for reducing the hazards in your home

Posted on September 29, 2022September 29, 2022 by admin

Home may be where the heart is, but it is also where many injuries happen. Many of them are avoidable if the hazards in your home are reduced. We believe in inspiring one American dream at a time at ASZ International Inc. in Westchester, NY. No matter the size of your dream. We are an independent agency, and service to our customers is what we specialize in.

Remove clutter

Falling is one of the most dangerous hazards in your home. Clutter makes falling a more significant risk than it needs to be. Try to keep clutter off of stairs and in hallways leading to stairs. Falls are the second leading cause of death in the home, resulting in 28,100 people losing their lives in 2020.

Improve lighting

To reduce the danger of hazards in your home, you need to be able to see them. It is dangerous to be stumbling around in a dark house.

Reduce fire risk

Fire is a hazard everyone wants to avoid. You should have your chimney cleaned and make sure that your smoke detector is working and has backup batteries. A working carbon monoxide detector is also vital to your safety and your family if you have a furnace.

Keep poison out of reach.

Poison is the number one killer in the home. Almost 70,000 people died from poisoning in 2020. There are things you can do in your home to avoid this hazard. Never leave cleaning supplies in an unlocked cabinet. Make sure they are locked away. Medicine should not be left where children and teens can get their hands on them. Any poisons you use to keep pets, weeds, or anything else must be kept in a very safe place.

Contact ASZ International Inc. in Westchester, NY to get the personalized customer service you deserve.

Higher Annual Costs of Vehicle Ownership…Not Driven by Insurance

Posted on September 19, 2022September 19, 2022 by Marc Zettl

Are you shocked by the high cost of owning a vehicle? You’re not alone. The annual cost of vehicle ownership has been on the rise for years and shows no signs of slowing down. But while many people assume that insurance is one of the main culprits behind these costs, this isn’t actually the case. In fact, insurance rates have remained relatively stable over the past few years. So what’s driving up the cost of owning a car? Keep reading to find out!

One of the biggest expenses associated with owning a car is the cost of gas. As you probably know, gas prices fluctuate pretty frequently. And while they’ve been relatively low over the past few years, they’re starting to creep back up again. This means that if you’re not careful, you could end up spending a lot of money on gas each month.

Another cost that has been on the rise is the cost of car repairs and maintenance. As cars become more complex, it’s becoming more expensive to keep them running properly. This is especially true if you own an older car that requires more frequent repairs.

The cost of purchasing a vehicle has also climbed over the last couple of years. While there are a number of factors that contribute to this, one of the biggest is that cars are becoming more and more technologically advanced. This means that they’re often packed with features that drive up the price tag.

So what does all this mean for you? If you’re looking to save money on the cost of owning a car, you’ll need to be extra careful about how you spend your money. Gas, repairs, and purchasing a new car can all add up quickly. But if you’re smart about your spending, you can keep the cost of owning a car under control.

Additional forms of auto insurance coverage in New York

Posted on August 31, 2022August 31, 2022 by admin

Basic liability coverage to protect others against the damage caused by any driver is always a requirement in Westchester, NY, and other areas. However, auto insurance companies can provide additional services and coverage to protect against various losses drivers may experience. In many cases, it is recommended to research these other types of coverage, as they can be instrumental, and it is financially beneficial to pay into a policy rather than have to pay a large sum for a vehicle repair or other forms of damage all at once. ASZ International Inc. can help with any of these coverage types.

Comprehensive coverage

There is the possibility of damage to a vehicle in situations that do not involve an accident with another vehicle. This tends to be because of theft, vandalism, damage from wild animals, severe weather, or fire. Comprehensive coverage is helpful for most drivers because a car is always exposed to the elements, and there is a risk of damage even when the vehicle is not being driven.

Underinsured or uninsured motorist coverage

A driver who does not have any auto insurance coverage may cause an accident. It can be challenging to get any compensation for losses in these situations unless the victim has already planned for this possibility with uninsured motorist coverage. In other situations, an accident may cause more damage than the driver’s insurance policy will pay for. An underinsured motorist policy can help pay additional medical costs or lost wages beyond the settlement amount.

Learning more about auto insurance

Agents with ASZ International Inc. who serve the Westchester, NY area are available to provide more information. Drivers can contact them today to get an insurance quote and learn more about what kind of auto coverage is best in their situation.

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