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Defensive Driving

NYS Approved Online Defensive Driving Discounts

By taking our course, you may be eligible to reduce as many as four (4) points off of your driving record. If you are the principle operator of a motor vehicle, you will receive a minimum of a 10% reduction in the base of your automobile insurance and motorcycle liability and collision insurance premiums each year fro three years. The New York DMV has reviewed and APPROVED this On-Line Course for Point and Insurance reduction.

For more information regarding point and Insurance reduction, see the official website:

To take the online course click here

NYS DMV Brochure (publication C-32A)


You may have substantial liability limits on your general liability, auto liability and employers liability policies. However, it is not uncommon for a jury to award damages that exceed those limits. A commercial umbrella policy will provide excess coverage when your general, auto and employers liability limits have been exhausted.


Grillo & Associates has a reputation of providing excellent service. Contact our office and let our team of specialists assist you in determining what policy will be best suited for your business.