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 518-373-4111

Client Login | Make a Claim

  • Business
    • Business Owners Policy (BOP)
    • Commercial Auto Insurance
    • Commercial Property Insurance
    • Cyber/Data Breach Liability
    • Disability Insurance
    • Employee Dishonesty Insurance
    • Employment Practice Liability Insurance
    • General Liability Insurance
    • Paid Family Leave (PFL)
    • Surety Bonds
    • Workers’ Compensation
  • Employee Benefits
    • Small Business Health Insurance
    • Dental Insurance
    • Flexible Spending Account (FSA)
    • Health Insurance
    • Health Reimbursement Arrangements (HRA)
    • Individual Coverage HRA (ICHRA)
    • Life Insurance
    • Qualified Small Employer HRA (QSEHRA)
    • Transportation & Commuter Benefits
    • Vision Insurance
    • Voluntary Benefits
  • Personal
    • High Net Worth Insurance
    • Homeowners Insurance
    • Automobile & RV Insurance
  • Specialty Programs
    • Administrative Service Offering (ASO)
    • Professional Employer Organization (PEO)
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  • About Us
    • About Our Agency
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    • Data Security
    • Benefits of Using an Independent Agency
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    • Contact Us
  • Blog
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How Much Does Combining Home & Auto Really Save, and When Does It Make Sense to Split Policies?

How Much Does Combining Home & Auto Really Save, and When Does It Make Sense to Split Policies?

by Sarah Dwyer | Oct 17, 2025 | Personal Insurance

The question of whether to “bundle” insurance policies is one of the most common decisions homeowners and drivers face.  Combining your homeowner’s (or renter’s) insurance with your auto policy is the most familiar piece of advice you’ll hear...
Is “Full Coverage” a Myth? What Your Auto Policy Really Covers After a Collision

Is “Full Coverage” a Myth? What Your Auto Policy Really Covers After a Collision

by Sarah Dwyer | Oct 9, 2025 | Personal Insurance

When looking for car insurance in the past, you might have thought, “I just want full coverage.” It’s an understandable request. You want peace of mind, protection from risk, and the assurance that you won’t be financially ruined by an accident....
Brace Yourselves: What the Latest Health Insurance Rate Hikes Mean for You

Brace Yourselves: What the Latest Health Insurance Rate Hikes Mean for You

by Sarah Dwyer | Jul 22, 2025 | Personal Insurance

If you buy your own health insurance, get ready for some potentially significant changes in your monthly premiums. Recent reporting from the Wall Street Journal indicates that insurers are seeking sizable rate increases for 2026 Affordable Care Act (ACA) marketplace...
Hit the Road (or Water) Safely: Your Guide to Insuring Summer Fun

Hit the Road (or Water) Safely: Your Guide to Insuring Summer Fun

by Sarah Dwyer | Jul 3, 2025 | Personal Insurance

As the temperature rises, many of us dream of adventures on the open road or shimmering water. Whether your passion is cruising on a motorcycle, exploring national parks in an RV, or navigating lakes in a boat, these “summer toys” offer freedom and...
Don’t Let Summer Rain Wash Away Your Peace of Mind: The Essential Role of Flood Insurance

Don’t Let Summer Rain Wash Away Your Peace of Mind: The Essential Role of Flood Insurance

by Sarah Dwyer | Jun 26, 2025 | Personal Insurance

Summer means sunshine, outdoor activities, and a more relaxed way of living. But while we’re enjoying the warm weather, it’s crucial not to overlook a less pleasant, but very real, summer threat: flooding. Many people mistakenly believe that flood risk is...
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Tax and legal updates or any other information posted on the GTM Insurance Agency website and/or social media is not intended to be exhaustive, nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.

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