smart home

Is Your Smart Home Fully Protected? What Homeowners Insurance Covers in the Digital Age

October 7, 2025

Smart home technology is transforming the way people live. From doorbell cameras and smart locks to thermostats and connected appliances, homeowners now rely on these devices for convenience, safety, and efficiency. However, as homes become smarter, a new question arises: Are these devices fully protected under your homeowners’ insurance policy? Understanding what is and isn’t…

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Artisanal cheese board with premium imported cheeses, fresh grapes, figs, and wine glass displaying high-value specialty food products requiring specialized insurance coverage

Insuring Specialty and High-Value Food Products During Shipment

September 22, 2025

Specialty food items generate more than twice the return on inventory investment for retailers compared to conventional products, with 50.1% ROI versus 19.8% for non-specialty items. This higher value creates unique risks that standard shipping insurance simply cannot address. From artisanal cheeses and premium wines to exotic spices and organic produce, specialty foods face challenges…

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Commercial cargo ship and tugboat at busy port during sunset, representing international food import/export operations that require specialized insurance protection against fraud and contamination risks

Insuring Against Food Fraud: Coverage Options for Importers and Exporters

September 8, 2025

Food fraud costs the global food industry an estimated $40-50 billion annually, with importers and exporters bearing significant financial risks. Recent data shows almost a 10% increase in food fraud incidents in 2024, highlighting the growing threat to supply chain integrity. The complex supply chains involved in international food trade create multiple vulnerability points where…

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home inventory

How to Create a Home Inventory for Faster Claims

August 20, 2025

Imagine experiencing a house fire, break-in, or severe storm. As you prepare to file a home insurance claim, your provider asks for a list of everything that was damaged or lost. Could you recall every item in your living room, kitchen, bedroom, down to the model numbers and purchase dates? For 53% of homeowners, the…

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Stack of U.S. dollar bills overlaid with fluctuating forex candlestick charts, symbolizing managing exchange rate volatility in global markets.

Managing Exchange Rate Volatility for Exporters

August 15, 2025

In today’s interconnected global marketplace, exchange rate volatility represents one of the most significant financial risks facing export businesses. For companies based in New York and across the United States, currency fluctuations can transform profitable international deals into devastating losses overnight, making effective exchange rate management not just advisable—but essential for sustainable export success. Exchange…

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When a Recall Hits: How Insurance Can Save Your Food Business

When a Recall Hits: How Insurance Can Save Your Food Business

August 4, 2025

In the food and beverage industry, a recall can happen in an instant—and the consequences can be devastating. Even the most careful companies, with rigorous quality control procedures, can face the unexpected: a labeling error, contamination, or packaging mishap that forces products off shelves. While the immediate thought is often about the product itself, the…

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electric car insurance

Electric Car Insurance: What You Need to Know

July 28, 2025

As electric vehicles (EVs) become more mainstream, more drivers are discovering the benefits of cleaner, quieter, and more efficient transportation. While the driving experience may be evolving, the need for the right insurance coverage hasn’t changed;  it’s just become a bit more nuanced. If you’re looking to buy an electric car or want to make…

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Warehouse workers in safety vests managing inventory in food distribution chain facility

How Insurance Safeguards the Entire Food Distribution Chain

July 20, 2025

The journey of food from farm to table involves an intricate food distribution chain of producers, processors, distributors, retailers, and logistics providers. This complex food distribution chain faces countless risks at every stage, from natural disasters destroying crops to contamination events that can trigger massive recalls. Insurance serves as the critical safety net that keeps…

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Two logistics professionals reviewing supply chain documentation at shipping container port discussing coverage gaps and insurance protection needs

Coverage Gaps in Global Supply Chains: Are You Fully Protected?

July 10, 2025

In today’s interconnected business landscape, global supply chains have become the backbone of commerce. From food manufacturers sourcing ingredients across continents to construction companies importing specialized materials, businesses rely heavily on complex international networks. However, this interdependence creates significant vulnerabilities that many organizations fail to adequately address through proper insurance coverage. At Coughlin Insurance Services,…

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understanding tariffs

Navigating Tariff-Driven Insurance Challenges

June 19, 2025

Recent tariff escalations have created immediate operational challenges that go far beyond simple cost increases. For businesses managing international supply chains, the real impact hits where it hurts most: customs bond requirements, inventory valuation fluctuations, and warehouse risk exposure. Customs Bond Pressure Points Surety Capacity Constraints When tariffs spike, your customs bond requirements can double…

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Coughlin Insurance Services, Inc.
178 Myrtle Boulevard, Floor 2, Larchmont, NY 10538
Toll Free : (800) 542-0661
Tel: (914) 834-1234 Tel: (212) 593-0200

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