Hopmeier Evans Gage Agency

06/02/2026

If you own a retail shop, a law firm, a medical practice, an accounting office, or virtually any small professional business, you’ve probably heard the word “cybersecurity” thrown around enough to tune it out. It sounds like a big-company problem — the kind of thing that happens to banks and hospital systems, not a boutique clothing store in Schenectady or a two-attorney law office in Albany.
That thinking is exactly why small businesses are now the number one target for cybercriminals.
Hackers know you’re not spending six figures on IT security. They know your staff hasn’t been through formal cybersecurity training. And they know your standard business insurance policy — your BOP, your general liability, your commercial property — covers almost none of what happens after a breach. That gap is exactly what a cyber liability policy is designed to fill.

05/28/2026

Did you know the postmark on your mail might not match the day you actually mailed it anymore?
USPS quietly changed how postmarks work back in December 2025. They consolidated local processing into big regional centers. So when you drop something in a blue box, it might not get postmarked for a day or two — however long it takes to reach the sorting facility.
This matters for tax returns, insurance filings, legal documents, charitable donations, even mail-in ballots. If the postmark is late, you’re late — even if you mailed it on time.
Here’s the fix: take it to the post office counter and ask for a hand-stamped postmark (it’s free), get a Certificate of Mailing, or use Certified Mail. Better yet, go electronic when you can.
The old “drop it in the box on the last day” move? That’s a gamble now.
Share this with anyone who mails important documents. Most people have no idea this changed.

As of December 24, 2025, the USPS changed how postmarks are applied to your mail. Under their Delivering for America plan, nearly 200 local processing facili...

05/26/2026

Here’s to 61 years of wisdom, laughs, and running the agency like a pro.
Happy Birthday, Dave — hope your day is as legendary as your stories! 🎈😄

05/24/2026

Our offices will be closed Monday 5/25/26 in observance of Memorial Day.

05/20/2026

3 cheers for Angela on another 5 Star Review! 🎉 If you need commercial coverage, give us a call and see what Angela is the GOAT 🏆

05/18/2026

Planning your next adventure? Wherever the road takes you, Hopmeier Evans Gage has you covered! Many RV owners don’t realize a standard auto policy may leave gaps once you’re parked at the campsite. Specialized RV coverage can protect everything from liability to depreciation—and even help guard against major value loss if the unexpected happens. Let our team help you enjoy the journey with coverage that’s built for life on the road. 🚐✨

05/15/2026

Landlords — ever wonder why your rental insurance bill keeps going up even though YOU never file claims?
I pulled two years of actual claims data from 800 investment property policies we manage. Just 53 claims cost more than $1 million.
The three culprits: water (30%), wind (22%), and fire (11%) — but fire accounts for over 55% of every dollar paid out.
The most preventable move? Make renters insurance a lease requirement. Seriously — it's the single biggest thing you can do to protect yourself from tenant-caused losses.
Full breakdown is in the blog. Link in comments.
Questions about your rental property coverage? Give us a call — we're happy to walk through it with you.

05/13/2026

Does your business have a sign? Does your insurance policy cover it? Angela explains what you didn't know you needed- sign coverage!

05/11/2026

With the increasing popularity of electric vehicles (EVs), you may have questions about how your auto policy could change if you buy one. Here’s what to know about coverage, costs, and key considerations for EV owners.

05/08/2026

Our Schenectady office will be closed today, 5/8/26 for staff training. If you need immediate assistance, please contact your carrier directly. We will see you bright and early on Monday!