Market Alternatives LLC

Market Alternatives LLC

Insurance Agency

Market Alternatives LLC is an insurance agency with a combined 42 years experience. Servicing all of your personal and commercial insurance needs. Licensed in NY, PA, and NJ. We can quote your auto, home, motorcycle, boat, RV, airplane, farm, business, tractor trailer, and just about anything else you can think of. We also quote various bonds.

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Requirements and Standards for Emergency Exits

Requirements and Standards for Emergency Exits wp.me/p26teC-1S0

postingmaterial.wordpress.com What are the requirements for exits? Exits must be separated by fire resistant materials—that is, one-hour fire-resistance rating if the exit connects three or fewer stories and two-hour fir...

[09/04/15]   We will be closed Monday 9.7.15 to observe Labor Day, everyone have a safe and happy day with Family and Friends!

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Before You Purchase Commercial Auto Business Insurance

Before You Purchase Commercial Auto Business Insurance wp.me/p26teC-1H3

postingmaterial.wordpress.com Commercial auto insurance is one of the most important aspects of your business insurance program. If your business uses a vehicle, or many vehicles, you need commercial auto insurance and you will...

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Teen Drugged Driving

Teen Drugged Driving wp.me/p26teC-21i

postingmaterial.wordpress.com Americans are well aware of the terrible consequences of driving drunk and are familiar with the many successful drinking and driving awareness campaigns. With the dramatic increase of handheld pho...

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Do I need insurance for a child going away to college?

Do I need insurance for a child going away to college? postingmaterial.wordpress.com/2015/08/17/do-i-need-insurance-for-a-child-going-away-to-college/

postingmaterial.wordpress.com With computers, TVs, printers, PDAs and MP3 players being shipped off to school, it is more important than ever that students and their parents purchase the appropriate insurance protection. Theft ...

Insurance for Your Medical Office

Insurance for Your Medical Office wp.me/p26teC-20W

Watch our video to discover the coverages that to protect medical practice. See and share our other medical office safety and health safety topics: Medical Office Safety The Office Microwave Or Cof...

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Summer Time Energy-Saving Tips

Summer Time Energy-Saving Tips wp.me/p26teC-1xA

postingmaterial.wordpress.com The average home spends hundreds of dollars a year on energy costs. But you can lower your energy bills and help save the environment at the same time! In the Kitchen Be a speedy chef Nothing is mo...

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Using the Heat Index: A Guide for Employers

Using the Heat Index: A Guide for Employers wp.me/p26teC-1Zy

postingmaterial.wordpress.com Introduction Outdoor workers who are exposed to hot and humid conditions are at risk of heat-related illness. The risk of heat-related illness becomes greater as the weather gets hotter and more hu...

[07/03/15]   We will be closed today 7/3/15 for the 4th of July Holiday, enjoy this time with family and friends. Be SAFE!

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Laying a Foundation for Small Business Crime Prevention

Laying a Foundation for Small Business Crime Prevention postingmaterial.wordpress.com/2015/07/01/laying-a-foundation-for-small-business-crime-prevention-2/

postingmaterial.wordpress.com Crime—burglary, robbery, vandalism, shoplifting, employee theft, and fraud—costs businesses billions of dollars each year. Crime can be particularly devastating to small businesses, who lose both c...

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What Are the Active Ingredients in Sunscreen?

What Are the Active Ingredients in Sunscreen? postingmaterial.wordpress.com/2015/06/03/what-are-the-active-ingredients-in-sunscreen/

postingmaterial.wordpress.com Chemical Ingredients Broad-spectrum sunscreens often contain a number of chemical ingredients that absorb UVA and UVB radiation. Many sunscreens contain UVA-absorbing avobenzone or a benzophenone (...

[05/22/15]   We will be closed Monday 5/25/2015 in observance of Memorial Day! Enjoy and be safe this long holiday weekend.

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General Rules of the Road for Bicyclists

General Rules of the Road for Bicyclists wp.me/p26teC-1zQ

postingmaterial.wordpress.com Bicycles in many States are considered vehicles, and cyclists have the same rights and the same responsibilities to follow the rules of the road as motorists. When riding, always: Go With the Traff...

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Golfers: Keep Track of Those Around You

Golfers: Keep Track of Those Around You postingmaterial.wordpress.com/2015/04/27/golfers-keep-track-of-those-around-you/

postingmaterial.wordpress.com Golf is a safe sport - as long as a few basic, common-sense rules of safety are followed. When those rules are ignored, injuries can occur. Golf involves the swinging of metal clubs, which propel g...

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Conserving and Protecting our Water Resource

Conserving and Protecting our Water Resource wp.me/p26teC-1t6

postingmaterial.wordpress.com During the spring it is especially important to conserve and protect water. Water Saver Home - Learn what you can do to reduce water use in your home -- take a virtual tour of this Water Saver Home...

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Five Ways to Beat a Government Imposter Scam

Five Ways to Beat a Government Imposter Scam postingmaterial.wordpress.com/2015/02/24/five-ways-to-beat-a-government-imposter-scam/

postingmaterial.wordpress.com Don’t wire money Scammers often pressure people into wiring money, or strongly suggest that people put money on a prepaid debit card and send it to them. Why? It’s like sending cash: once it’s gone...

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Preventing Wintertime Slips And Falls : What To Look Out For

Preventing Wintertime Slips And Falls : What To Look Out For postingmaterial.wordpress.com/2015/01/05/preventing-wintertime-slips-and-falls-what-to-look-out-for

postingmaterial.wordpress.com If your employee falls and is injured in your parking lot it’s likely the employee is eligible for workers’ compensation benefits—regardless of who’s responsible for snow removal. Employees are eli...

Have all a Merry Christmas and Happy Holidays from all at Market Alternatives LLC!!!

[11/25/14]   Holiday Hours!

November 27 & 28- Office will be Closed
December 25 & 26- Office will be Closed

Have a safe and happy Holiday Season!

[11/25/14]   What to consider when buying car insurance

Fifteen minutes could save you 15 percent or more. Okay, everyone knows that. But here’s something that little gecko isn’t telling you: Price is not the only consideration that does or should matter in the selection of a car insurer. Don’t take my word for it. Listen to what nearly 20,000 Consumer Reports subscribers told us about their insurance comparison-shopping experiences in our 2014 Auto Insurance Survey.

From our survey of nearly 65,000 subscribers, we dug into the minds of the 19,608 who had compared their insurer with other companies within the last 12 months. Our survey questions allowed us to drill down to determine the two insurance companies that individual consumers considered most seriously in the selection process. We then listed a number of possible reasons that might influence consumer decisions and invited the consumers to select all of the reasons that mattered in their selections

We’ll grant the gecko this: The little green guy does know that price matters most to the majority of consumers. Here is a breakdown of the reasons selected (numbers don’t add to 100 percent because consumers were allowed to select multiple reasons).

• Price: 72%

• Agent Access: 33%

• Service: 32%

• Reputation: 32%

• Too Much Hassle to Switch: 20%

• Personal Recommendations: 6%

• App or Web site: 4%

Read about how to pick an insurer in our car insurance buying guide

But did you know that just 30 percent of all consumers in our survey selected only price as a factor that mattered in their choice of an insurer? For two-fifths (42 percent), price was considered in conjunction with other criteria, and for more than one-quarter (28 percent), price did not even make it into the decision-making calculus. For them, those 15 minutes represent just wasted time and effort!

How might all of this play out, then, for a set of consumers considering the choice between one insurer and another? Let’s take one case to illustrate a real scenario—the choice between Geico and another incessant advertiser, State Farm. In our survey, we have 688 consumers whose final decision simmered down to a choice between these two insurance companies. In our sample, State Farm won this battle, 59 percen to 41 percent. But remember that the gecko’s entire appeal is based on price—the prospect of saving 15 percent. And among consumers who said their decision was based on price alone, Geico did prevail, as the graph below shows. Three-fifths (61 precent) of price-centered consumers selected Geico over State Farm!

This finding provides two important insights for consumers:

Geico fares relatively well in those cases where consumers compare Geico to rival companies based on price alone.

Consumers less motivated by price are less likely to find Geico appealing.

If you are a price-focused consumer, our data suggest that investing 15 minutes of your time may be a reasonable decision. If you’re not particularly price-sensitive, on the other hand, you may find better use for your time.

To that point, 65 percent of consumers who considered price in conjunction with other factors selected State Farm over Geico. The largest subset of those respondents told us they considered four factors in their decision: price, service, reputation, and agent access. Those consumers, as a bloc, selected State Farm by a margin of 91 percent to 9 percent. For those who considered price in conjunction with agent access, 93 percent selected State Farm.

Finally, 73 percent of those who discounted price altogether chose State Farm. Remember the State Farm ad where Jake in khakis with a hideous voice is speaking with a customer at 3 in the morning? Consumers who placed a primacy on agent access to the exclusion of other factors preferred State Farm by a resounding count of 92 percent to 8 percent.

We can break down the net marginal effects of State Farm’s 18.4 percent overall margin (59.2 percent to 40.8 percent) by taking into account the size or each consumer segment and its State Farm vs. Geico preference. Those net effect percentages, which collectively sum to State Farm’s 18.4 percent overall margin, show that Geico’s net gains from considerations of price alone were overwhelmingly offset by State Farm’s notable gains among all remaining segments of consumers.

The upshot of this analysis, then, is that consumers who are considering switching insurers should pay attention to the pitch being made in ads by insurers. Price is the main pitch made by Geico. If price is what matters most to you, Geico may well have a good deal for you. If you’re more concerned with service, agent access, reputation of the company, mobile access, or some other attributes beyond price, listening to the specific pitch made in car insurance ads may lead you to discover an insurance company that better suits your needs.

—David Gopoian

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Prepare for Cold Weather: Wrap it Up

Prepare for Cold Weather: Wrap it Up postingmaterial.wordpress.com/2014/09/29/prepare-for-cold-weather-wrap-it-up-1

postingmaterial.wordpress.com Make sure your outer walls and attic have proper insulation. Loose fill or batt insulation is usually used in attics. Loose fill insulation provides better coverage and is typically less expensive....

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How Close is Too Close for Portable Generators?

How Close is Too Close for Portable Generators? postingmaterial.wordpress.com/2014/01/29/winter-fire-safety-3/

postingmaterial.wordpress.com National Institute of Standards and Technology (NIST) building experts are seeking the answer to a very important home safety question: How close to a house can you operate a portable gas-powered g...

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Winter Storm Fire Prevention Tips

Winter Storm Fire Prevention Tips postingmaterial.wordpress.com/2014/01/28/winter-fire-safety-2/

postingmaterial.wordpress.com Generator Safety Follow the manufacturer's instructions and guidelines when using generators. Use a generator or other fuel-powered machines outside the home. CO fumes are odorless and can quickly ...

usfa.fema.gov

Holiday and Christmas tree fire safety outreach materials

Here are some tips to keep yourself and your family safe this holiday season.

http://www.usfa.fema.gov/citizens/home_fire_prev/holiday-seasonal/holiday.shtm

usfa.fema.gov Holiday and Christmas Tree fire prevention tips to keep you and your family safe from dangerous holiday home fires.

[10/25/13]   Quick Tips For Safety in the Workplace postingmaterial.wordpress.com/2013/10/25/workplace-3

Safety Tips in the Workplace: Planning Stages

Safety Tips in the Workplace: Planning Stages postingmaterial.wordpress.com/2013/10/23/workplace-1/

postingmaterial.wordpress.com This is an excerpt from the article “Get Behind National Teen Driver Safety Week .” For more information, please visit www.trafficsafetyorg.One of the major causes of concern these days, is fast be...

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Parent-Teen Contract: Outline Your Rules

Parent-Teen Contract: Outline Your Rule postingmaterial.wordpress.com/2013/10/21/teen-drive-2

postingmaterial.wordpress.com This is an excerpt from the article “Get Behind National Teen Driver Safety Week .” For more information, please visit www.trafficsafetyorg. This agreement ensures safe driving practices at all tim...

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Get Behind National Teen Driver Safety Week 2013

Get Behind National Teen Driver Safety Week 2013 postingmaterial.wordpress.com/2013/10/21/teen-drive-1

postingmaterial.wordpress.com This is an excerpt from the article “Get Behind National Teen Driver Safety Week .” For more information, please visit www.teendriversource.org. National Teen Driver Safety Week (NTDSW) takes place...

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How to Determine Your Coverage Needs

How to Determine Your Coverage Needs postingmaterial.wordpress.com/2013/10/16/gen-liab-3

postingmaterial.wordpress.com The following is an excerpt from the article, “General Business Liability Insurance – How it Works and What Coverage is Right for You.” For more information, please visit www.sba.gov. The coverage ...

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Does your Business Need Liability Insurance?

Does Your Business Need Liability Insurance? postingmaterial.wordpress.com/2013/10/15/gen-liab-2

postingmaterial.wordpress.com The following is an excerpt from the article, “General Business Liability Insurance – How it Works and What Coverage is Right for You.” For more information, please visit www.sba.gov. We live in a ...

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What is General Liability Insurance?

What is General #Liability #Insurance? postingmaterial.wordpress.com/2013/10/14/gen-liab-1/

postingmaterial.wordpress.com The following is an excerpt from the article, “General Business Liability Insurance – How it Works and What Coverage is Right for You.” For more information, please visit www.sba.gov. If you’ve hea...

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Car Fire Safety

Car Fire Safety postingmaterial.wordpress.com/2013/10/07/fire-prev-1

postingmaterial.wordpress.com The following is an excerpt from the article, “Car Fire Safety” For more info, please visit www.nfpa.org. Cars can catch fire for many reasons. Mechanical or electrical issues are the most common c...

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What are some other design and construction requirements for exit routes?

What are some other design and construction requirements for exit routes? http://postingmaterial.wordpress.com/2013/09/17/osha-exit-2/

postingmaterial.wordpress.com This is an excerpt from the article “Emergency Exit Routes: Osha Fact Sheet.” For more info, please visit www.osha.gov. Normal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 /* ...

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Car Seat Safety

Car Seat Safety http://postingmaterial.wordpress.com/2013/09/16/car-seats

postingmaterial.wordpress.com This is an excerpt from the article “Car Seats.” For more info, please visit www.safekids.org. Engineers are working hard to ensure that cars and car seats are designed to keep kids as safe as poss...

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Energy Efficiency for Retail Stores

Energy Efficiency for Retail Stores http://postingmaterial.wordpress.com/2013/07/31/energy-retail/

postingmaterial.wordpress.com The following is an excerpt taken from the article, “Energy Efficiency for Retail Stores.” For more information please visit www.sba.gov. Make strong energy performance your competitive advantage. ...

[07/26/13]   “People are not lazy. They simply have important goals – that is, goals that do not inspire them.” Tony Robbins

[07/25/13]   "Ignorance is not bliss — it is oblivion. Determined ignorance is the hastiest kind of oblivion." Philip Wylie

[07/24/13]   "Happiness is not something you postpone for the future; it is something you design for the present."

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Bike Safety - Part 1

Bike Safety – Part 1 http://postingmaterial.wordpress.com/2013/07/22/bike-safety-1

postingmaterial.wordpress.com The following is an excerpt taken from the article, “Bike Safety.” For more information please visit www.kidshealth.org. It's a beautiful day — the sun is shining, the birds are chirping. What coul...

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Using the Heat Index to Protect Workers

Using the Heat Index to Protect Workers http://postingmaterial.wordpress.com/2013/07/16/heat-protect/

postingmaterial.wordpress.com The following is an excerpt taken from the article, “Using the Heat Index to Protect Workers.” For more information please visit www.osha.gov. The heat index can be used to help determine the risk ...

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