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Cusumano Insurance Agency Inc Blog

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The mere mention of a workers' compensation audit is enough to strike fear in nearly any business owner. For anyone who is scheduled for an audit, there is no need to worry or be fearful. With a little bit of common sense and preparation, much money and aggravation can be spared. READ MORE >>

As people begin feeling the effects of old age, they may experience difficulty with bathing, eating, dressing, toileting and ambulation. These activities of daily living are commonly abbreviated as ADLs in long-term care facilities. Individuals who find themselves having trouble READ MORE >>

It's important to have a plan and routine in order to protect a home from mold. This involves constantly looking for watermarks on ceilings or walls, signs of mold growth and musty smells. If mold is caught early enough, it can be removed with a simple cleaning solution of bleach and water. READ MORE >>

Most people know the importance of insurance protection. You don't want to be without it when problems strike. What many don't realize, however, is that protecting themselves with insurance isn't a once and done event. You don't wear the same pants you did when you were five years old because, besides no READ MORE >>

Business owners who form corporations or limited liability companies (LLC's) may question the need for the business to carry insurance. A major benefit of these forms of business organization is that they shield the owners' personal assets. Because of this, the owners may believe insurance is unnecessary. READ MORE >>

While most Americans welcome the spring season with its warmer temperatures and sunnier days, seasoned homeowners know that it can also bring several problems. As the snow melts, the damage of winter weather is often revealed. These are some of the most common spring insurance hazards. READ MORE >>

There are huge advantages to combining your auto and home insurance with a single company. The biggest and most direct benefit is getting a multiple-policy discount. However, it goes beyond that, and the advantages can work out nicely in the policyholder's favor. Let's look at the numerous READ MORE >>

Roth IRAs were introduced in 1996 as the latest addition to accounts made available to individuals for retirement funds. The tax implications for these accounts vary greatly from most IRAs. While tax deductions are not offered on Roth IRA contributions, the limits are the same as those set forth for traditional IRAs. READ MORE >>

Unpredictable job and investment markets make it difficult to determine how much life insurance to buy. The standard formulas for buying coverage to match a specific percentage of income are inadequate solutions. Online calculation tools usually tell everyone to raise their coverage by $1 million. READ MORE >>

Got Kids in College? Better Get Insurance. Used to be kids showed up to their college dorms with not much more than the clothes on their backs and a couple of suitcases. Maybe they brought a small stereo. A generation ago, laptops were nearly unheard of in college dorms. Obviously, those days are over. READ MORE >>

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