Putnam Record Insurance Agency

06/03/2026

⚖️ General vs. Professional Liability 🛡️

These are two of the most important business policies, but some business owners can't explain the difference. Let's fix that. 🧠

🟠 SCENARIO A: A client visits your office, trips on a loose rug, and breaks their wrist.
→ That's General Liability. It covers bodily injury and property damage to third parties. Physical accidents, physical harm. 🏥

⬛ SCENARIO B: You tell a client you will file the paperwork for them to move forward on a project. You file the wrong papers. Based on your mistake, they lose a $100,000 investment in a property. They sue you for the loss.

→ That's Professional Liability (E&O — Errors & Omissions). It covers financial harm caused by your advice, services, or failure to deliver what was promised. 💼

The good news is that you don’t have to guess what policy does what, or what you need. A quick conversation with us can let you know what you need and how to get it. 📩

06/03/2026

It can be difficult to know what to ask when you’re new to Medicare. We have a handy list of questions—and answers—to help you get started. Learn more here:

Take the guesswork out of your IEP or SEP with this helpful article.

06/03/2026

Dog shedding is a natural part of a healthy dog's life, and understanding it can help you manage loose fur and keep your home cleaner:

Learn why dogs shed, when they shed the most and what you can do to reduce it. Understand the different shedding phases and get expert tips from Pets Best.

06/02/2026

Despite growing awareness of its risks, distracted driving remains a serious danger, making it essential for drivers to stay focused and avoid common distractions behind the wheel:

https://blog.nycm.com/2022/05/what-distracts-us-when-we-drive.html?fbclid=IwZXh0bgNhZW0CMTEAYnJpZBExck1qQlFBMnhwVVA0bTdzdXNydGMGYXBwX2lkDDI1NjI4MTA0MDU1OAABHvzhZF5qaMZcriM1ba9qBJvyvCMliYUeJY4A2r05wWmRL6I-NcMkXTv7t1KQ_aem_5qEBPFMVQsgSIcfYyVOfhw

Distractions are everywhere when driving. As vehicle technology progresses, it can be even more challenging to simply focus on the road. Here are four

06/01/2026

Turning to coaches for advice is a smart thing to do. We'd like to be one of those coaches.

Coaches have helped you your whole life, in ways big and small. We'd like to be one of them.

06/01/2026

☀️ Beat the Heat 🚗

Summer is here, and while we're all looking forward to road trips, beach days, and weekend getaways, the season's heat can be tough on your vehicle. Hot pavement, soaring temperatures, and longer drives put extra strain on parts that worked just fine all winter. A little preventive care now can save you from a breakdown on the side of a sweltering highway later.

Not sure where to start? A few quick checks:

🚗 Under Pressure: Heat makes the air in your tires expand, while underinflated tires generate extra heat from flexing. Either extreme can lead to a blowout on hot pavement. Check pressure monthly when tires are cold, and don't forget the spare.

🌡️ Keep It Cool: Your cooling system is the first line of defense against an overheated engine. Top off your coolant, check the reservoir, and if the temperature gauge starts climbing into the red, pull over and let it cool down before driving on.

🔋 High Temp, Low Energy: Most folks blame winter, but summer heat is actually harder on batteries. High temperatures speed up corrosion and cause fluid to evaporate inside. If yours is more than three years old, get it tested before it leaves you stranded in a hot parking lot.

A few minutes under the hood now can mean the difference between a smooth summer and an unexpected tow. Here's to a safe and sunny season ahead. 🌞

05/29/2026

Homeowners insurance covers not just your dwelling, but these things too:

Do you know what a Homeowners Insurance Policy is?

05/29/2026

Backup cameras are more than just a convenience—they’re a built-in safety feature that helps drivers reverse with confidence using real-time visuals, parking guidelines, and obstacle alerts.

Find out how backup cameras work and why they're a standard safety feature in newer vehicles.

05/29/2026

🏢 Does Your Business Have the Right Liability Limits? ⚖️
Don't wait for a claim to find out your liability limits weren't high enough. 🛡️
Knowing you have liability coverage and knowing it's enough are two very different things. Limits that made sense when you started may not match your business today. Here's when it's time to take a closer look:
1️⃣ Your revenue has grown. Bigger business = bigger exposure. Higher sales can mean higher risk if a claim goes sideways. 📈
2️⃣ You've added employees. More people, more potential liability—on the job, on the road, and on your property. 👷
3️⃣ You've taken on new contracts. Many clients and vendors require minimum liability limits. The wrong policy could cost you a deal. 📋
4️⃣ You've expanded your location or services. New offerings can introduce exposures your current policy wasn't designed for. 🏗️
When did you last review your liability limits? If you can't remember, that's probably your answer. 👇
DM us and let's take a look at where you stand. 📩

05/28/2026

Planning a home renovation? Don’t forget to review your home insurance policy—upgrades and improvements can affect your coverage and may even qualify you for discounts:

https://blog.nycm.com/2022/03/home-improvements-do-i-need-to-update.html?fbclid=IwZXh0bgNhZW0CMTEAYnJpZBExdm5Lb2VpTkpmNVNPOTc4ZHNydGMGYXBwX2lkDDI1NjI4MTA0MDU1OAABHvKtvVNkdpgY_WMWMCu2Ft18QETTQGaH9s6vsa0To9fx8cvU2TviL0iR1MF8_aem_cSfOaw7GeSy2gV3WZkCwFg

If you’re renovating your house, your home insurance may need to be updated to take advantage of discounts and ensure your property is fully covered.