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When is Umbrella Insurance Necessary?

When is Umbrella Insurance Necessary?

Your agent may have brought up umbrella insurance as an option during a recent appointment, but if you’re not aware of what it is and how it works, you may have passed on adding it to your existing coverage.  Umbrella insurance can help provide you with extra

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High Or Low Deductibles: The Logic Behind Both

High Or Low Deductibles: The Logic Behind Both

  When people are shopping for insurance, they have to consider what type of deductible they will want to go along with their policy. A deductible is the financial burden that you are willing to accept for each insurance incident. For example, if you choose a $200.00

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Some Of The Biggest Misconceptions About The Insurance Industry

Some Of The Biggest Misconceptions About The Insurance Industry

  People who are not involved directly in the insurance industry are subject to myths and misconceptions that can give a wrong impression. For those proactive people who want the truth and want to get away from misconceptions, we offer some responses to the biggest insurance myths

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Difference Between Actual Cash Value & Replacement Cost

Difference Between Actual Cash Value & Replacement Cost

  When you have an insurance policy, it is important to understand all of the verbiage in the policy as it applies to your coverage. If you do not know what a deductible is, then it is difficult to understand how a deductible affects your claim. Two

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When to Drop Collision Coverage on Your Auto Insurance

When to Drop Collision Coverage on Your Auto Insurance

  People are always looking for ways to save money on their car insurance, and one of the most common savings is to drop collision coverage once the car is paid off. Most lenders require a driver to have collision coverage on a vehicle while it still

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Small Business Marketing Tips

Small Business Marketing Tips

  When you have a small business, your marketing activities have a significant effect on the success or failure of your business. The issue for many small business owners is the misconception that marketing costs a lot of money and takes a lot of time. There are

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Financial Planning for Small Business: Boldly Boost Your Boost Your Baby

Financial Planning for Small Business: Boldly Boost Your Boost Your Baby

A small business that is run through careful planning is one that is able to handle the challenges that are consistently thrown its way. When you have strong financial planning in place, you have a road map you can follow to navigate difficult situations and avoid financial

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Small Business Ownership in Rural America : Where Community is Everything

Small Business Ownership in Rural America : Where Community is Everything

  Back in the days when the American landscape was either rural or urban and the suburbs did not exist, the rural communities often found themselves cut off from the cities thanks to a lack of investment in communication technology. Even as wireless technology expands, some rural

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Why Your Commercial Lease Requires Liability Insurance

Why Your Commercial Lease Requires Liability Insurance

  When you lease commercial property for your business, there is a very good chance that your landlord is going to require you to carry business liability insurance for protection. If you do not have business liability insurance then it is a good idea to get some

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Small Business Ownership in Suburban America: Where Quality of Life Is Key

Small Business Ownership in Suburban America: Where Quality of Life Is Key

  If you think about how the American landscape has shifted over the past 100 years, you come to some interesting conclusions. Back 100 years ago, cities were the place to live where neighborhoods all developed their own identities. Cars and mass transit were not widely available,

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Is Glass Insurance a Necessity ?

Is Glass Insurance a Necessity ?

  As you go through your commercial and personal insurance lines with your agent, your agent points out that you do not have any glass coverage on any of your personal or commercial vehicles. To you, glass coverage seems like an unnecessary expense considering how infrequently you

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Protecting Employee Productivity from the Effects of Identity Theft

Protecting Employee Productivity from the Effects of Identity Theft

  As a business owner, you need to be very sensitive to every aspect of employee productivity and the things that can negatively affect productivity. While we are all aware of the negative impact bad morale can have on productivity and how much a lack of proper

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The Future of the Insurance Industry

The Future of the Insurance Industry

  The insurance industry is one of the largest in the world with revenues totaling approximately $4 trillion per year. As with most large industries, the insurance world has been hesitant to give in completely to technology for fear that one simple mistake could set off a

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What is Crime Insurance?

What is Crime Insurance?

  One of the first things you notice when you open a business is how different commercial insurance lines are from personal insurance lines. For example, most homeowner insurance policies offer fairly comprehensive types of coverage for theft. In some cases, your homeowner’s insurance would cover losses

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The Pros & Cons Of Hiring Summer Interns

The Pros & Cons Of Hiring Summer Interns

  As the summer gets closer, your business will probably consider bringing on a couple of interns to help some college kids get industry experience that they badly need for their resume. The idea of opening up some positions for interns is a very noble gesture, but

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Why You Should Have Builder’s Risk Insurance

Why You Should Have Builder’s Risk Insurance

  As a building contractor, you always want to make sure that your company is protected in the event of any unforeseen problems such as theft of materials or damage to a project in progress. As a construction project owner, you want to be sure that the

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How To Handle Sexual Harassment Complaints: A Primer for Small Business

How To Handle Sexual Harassment Complaints: A Primer for Small Business

The topic of sexual harassment is something all business owners need to be aware of and have a plan in place for handling. The very first good piece of advice a business can get when it comes to sexual harassment complaints is to not ignore them. Not

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Can You Legally Refuse To Serve Your Customers

Can You Legally Refuse To Serve Your Customers

  Every once in a while a story emerges where a private business refuses to serve customers because of ethnic or religious beliefs. Inevitably, a firestorm emerges and the debate starts on whether or not a private business can refuse to do business with certain customers. One

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How Property Insurance Is Important

How Property Insurance Is Important

  When you own a home, it is important to do everything you can to protect your investment. This means doing routine maintenance when it is required and making repairs as quickly as possible to prevent issues from getting worse. Protecting your investment also means having the

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The Dos & Don’ts Of Managing Online Customer Reviews

The Dos & Don’ts Of Managing Online Customer Reviews

  Online reviews of your business can be extremely frustrating because they are not always legitimate, they are not always favorable, and you rarely get a chance to post a response that has any effect on the initial review. For most businesses, it is common to get

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Customer Appreciation Ideas For The Cash-Strapped Business Owner

Customer Appreciation Ideas For The Cash-Strapped Business Owner

  Whether a small business owner wants to admit it or not, customer appreciation programs are effective at enhancing customer loyalty. Many small business owners try to avoid customer appreciation programs because these programs can often cost money the business does not have. But there are plenty

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Business Loan Check List

Business Loan Check List

  There are many ways to fund your business and there are pros and cons for each type. Many small businesses spend years establishing good business credit so they can qualify for business loans, but there are plenty of details to take care of before you submit

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4 Reasons Your Business Credit Score Matters

4 Reasons Your Business Credit Score Matters

  Small business owners tend to identify themselves with their businesses in ways that can be counter-productive for both. For example, many sole proprietorships often use their personal credit when trying to get business loans. It is important to establish your business as its own entity with

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Customer Retention Strategies Small Business Owners Can Start Today

Customer Retention Strategies Small Business Owners Can Start Today

  Customer retention is one of the most important parts of running a business, and it is something every business owner should constantly be trying to improve. Retaining your current customers gives you a solid base of repeat business that you can build on. Instead of using

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4 Tips To Optimize Your Small Business Process

4 Tips To Optimize Your Small Business Process

  Small business owners do not have a lot of areas where they can waste time or resources, which is why they are always looking for ways to streamline their business process. Running a small business these days means being able to present your company in much

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7 Signs its Time To Hire An Accountant

7 Signs its Time To Hire An Accountant

  The Internet has been around a long time, which means websites are a well-known commodity to just about anyone. As with any other technology, there has been plenty of time for myths and misconceptions to be created about websites that can skew business owners’ opinions. Here

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An End-of-Year Checklist for Small Business Owners and Their Teams

An End-of-Year Checklist for Small Business Owners and Their Teams

  Small business owners can significantly increase their potential for success by putting in systems that review past performances and learn from past mistakes. For a small business to succeed, it needs to identify its successes and failures, and then improve their current processes based on what

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Leadership Coaching – 8 Skills to Master

Leadership Coaching – 8 Skills to Master

  There are many ways to lead a team of workers, but the most effective is to be a coach. A coach in the work place follows the same processes as a sports coach and attempts to establish the same types of relationships with the staff. If

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Your Employee Got Hurt At Work, Now What?

Your Employee Got Hurt At Work, Now What?

  In the state of New York, every employer must carry workers’ compensation insurance to cover injuries sustained at work. For small businesses, the thought of using workers’ compensation insurance is not something they want to deal with. But if you want to handle a situation properly

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4 Reasons Small Business Should Hire Veterans

4 Reasons Small Business Should Hire Veterans

  Small businesses are constantly looking for ways to gain an edge on the competition, and one tactic that can help give your business an edge is to hire a military veteran. This is not a discussion about offering charity to a former member of the military.

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5 Ground Rules For Entrepreneurs On Setting Their Own Salaries

5 Ground Rules For Entrepreneurs On Setting Their Own Salaries

  When new entrepreneurs launch their first business, they may start off with visions of dollar signs floating past their eyes. But as time goes by, it becomes very apparent that entrepreneurs have to make sacrifices for their businesses to become profitable. One of the biggest sacrifices

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3 Tips For Growing an Established Business

3 Tips For Growing an Established Business

  An established business enjoys the luxury of a devoted customer base, an establish name in the market place, and strong relationships with long-time vendors. But even an established business has its eye on the future, and that means constantly looking for ways to grow. There are

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Why You Should Have An Expert Review And Submit Insurance Claims

Why You Should Have An Expert Review And Submit Insurance Claims

  When you have an expert organization act as your risk management firm, then that firm takes on several important responsibilities. Helping your company to protect itself from risk is the broad definition of what a professional risk mitigation organization does. There are thousands of details that

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What Is Business Continuation Insurance?

What Is Business Continuation Insurance?

  When you talk to one of our trained business experts, you will be told about business continuation insurance as part of your risk reduction package. Planning the future of your business means being prepared for any type of contingency, and business continuation insurance is a huge

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Why Succession Planning Is Important To Any Business

Why Succession Planning Is Important To Any Business

  If you own a sole proprietorship, then you are probably not putting a lot of thought into what will happen with your business when you decide to retire. More than likely, you will sell your business and use the proceeds to retire. But if you own

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Should You Own Or Lease?

Should You Own Or Lease?

As a business owner, you have a wide variety of risks to consider with every decision you make. When it comes time to buy office equipment or capital equipment for your business, there a lot of risks that must be addressed before a decision is made. Is

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What Is Cash Flow?

What Is Cash Flow?

In the world of business, there are a lot of risks that business owners don’t prepare for that can be devastating. If you do not have the proper amount of liability insurance, then you run the risk of going out of business after one liability incident. Cash

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Insuring Your Wind Farm

Insuring Your Wind Farm

  Each wind farm is unique it is design, placement, and operation. While every wind farm is built to generate electricity by harnessing the wind, they are very unique structures that each require unique insurance coverage. There is a lot that goes into assessing risk with a

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When Injured in a Semi Truck Accident, Who is at Fault?

When Injured in a Semi Truck Accident, Who is at Fault?

A truck accident is often a violent and frightening event, even if it occurred at slow speeds. Because of the complexity of a truck accident, it can be very difficult to determine who is at fault. There are often many parties involved in a truck accident such

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Understanding Federal Trucking Safety Regulations

Understanding Federal Trucking Safety Regulations

  Federal trucking safety regulations are created and maintained by the Federal Motor Carrier Safety Administration (FMCSA) and apply to all commercial trucking throughout the United States. Along with trucking, the FMCSA also writes the rules of the road for buses and almost any other vehicle that

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Reducing Pollution as a Recycling Company

Reducing Pollution as a Recycling Company

A recycling company, like any other business, is built to generate profit. But many recycling center owners also get into the field because of the environmental benefits it can offer. If you are someone who is trying to save the environment from pollution, then you should consider

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The Risks of Running a Refinery

The Risks of Running a Refinery

  Risk management is a full-time job, which is why many companies hire us to help identify and protect against risk. Every industry has its risks, and some industries have heightened risks that require a different type of solution. An oil refinery is a business that comes

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What to Insure at Your Restaurant

What to Insure at Your Restaurant

  As with any other type of business, insuring a restaurant properly means looking at its operations and determining where to find risk. Aside from the standard worker’s compensation insurance to protect employees, there are several specific reasons why a restaurant owner must invest in certain types

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5 Ground Rules for Entrepreneurs Setting Their Own Salaries

5 Ground Rules for Entrepreneurs Setting Their Own Salaries

One of the most common reasons that people start their own businesses is because they are tired of using their own hard work to make other people rich. While you should be able to make a nice living for yourself by owning your own business, there are

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The Dos and Don’ts of Hiring Employees and Contractors

The Dos and Don’ts of Hiring Employees and Contractors

If your company relies on employees to generate revenue, then you probably have a set of hiring policies in place. Comprehensive hiring policies for employees are very good to have, but they are only useful if they allow you to avoid the major issues that come with

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Tips for Paying Down Business Debt

Tips for Paying Down Business Debt

  Business debt is something that will inhibit your cash flow, scare away potential investors, and damage your credit rating. While many people do not worry very much about their own personal debt, just about every business owner stays focused on paying down their business debt. There

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Understanding Loss Causes Is Critical

Understanding Loss Causes Is Critical

  When a professional risk management organization analyzes losses, they are usually looking for the causes of each loss to prevent them from happening in the future. Someone who is not trained in proper risk assessment might try to treat the symptoms of a loss instead of

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Why Every Business Should Have a Line of Credit

Why Every Business Should Have a Line of Credit

Running a business is hard work and it is important to have contingency planning for just about everything. While people try to avoid too much credit in their personal lives, business owners are usually scrambling to get more credit for their businesses. If you own a business,

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5 Things Business Owners Should Never Delegate

5 Things Business Owners Should Never Delegate

  As a business owner, you can get more things done if you delegate responsibilities to competent people on your staff. But even if you have absolute trust in everyone who works for you, there are still certain tasks that you should never delegate. At the end

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Why Does Your Scrap Yard Need to be Insured?

Why Does Your Scrap Yard Need to be Insured?

  As a practical business professional, you know that any type of business needs to be insured. But when it comes to insuring a scrap yard, there are some elements of risk that most people fail to see as obvious. We have years of experience in helping

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4 Tips to Improve Your Local/Long Haul Company

4 Tips to Improve Your Local/Long Haul Company

A local/ long haul company can be a lucrative business, but there is always room for improvement in any business venture. If you own this type of business, then we encourage you to review your business practices and find ways to improve your efficiency and productivity. Our

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How to Handle a Worker’s Injury

How to Handle a Worker’s Injury

Successful companies understand the importance of paying close attention to worker injuries and developing strong policies to follow after an injury. Good worker injury policies benefit the company and employees by making sure each injury gets the attention it requires and lessons are learned to prevent future

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Tips for Home Window Safety

Tips for Home Window Safety

  When it comes to home safety, you cannot take anything for granted. Your home’s windows let the natural light shine in, and they also protect your family from the elements. Buy it is important to keep home safety in mind when dealing with windows to prevent

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The Gaps In Workplace Emergency Preparedness

The Gaps In Workplace Emergency Preparedness

Rave Mobile Safety recently did a survey of over 500 workplaces to see if employees feel prepared for emergencies and the results are very interesting. Not only did employees feel unprepared for non-fire emergencies, but the perception of safety preparedness varied depending on the age of employees.

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5 Benefits Of Life Insurance

5 Benefits Of Life Insurance

Life insurance is something that people often appreciate when it is too late. If you have people you love that you want to provide for after you have passed on and financial obligations you want to meet when you are gone, then the best way to do

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The Risk Needs Of Subcontractors

The Risk Needs Of Subcontractors

  Subcontractors are a major part of the world of construction that assume risk in the same way as general contractors. In order to attend to the risk that subcontractors face, it is necessary to analyze their specific businesses and create custom solutions. As a professional risk

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What Is Key Person Insurance?

What Is Key Person Insurance?

Your construction company has spent years developing a reputation for being professional, reliable, and honest. Your ability to meet deadlines and get projects done on time has secured you private work that keeps your business going all year round. Much of this success is due to your

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Caring For Your Fleet Of Vehicles

Caring For Your Fleet Of Vehicles

Any construction client we work with that owns a fleet of vehicles has a tremendous responsibility. As a risk mitigation company, there is only so much we can do to protect against accidents and property damage, especially when the fleet vehicles are not properly cared for. Companies

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Assessing Your Risk Management Company

Assessing Your Risk Management Company

When a new year gets underway, it is important for a company to assess its business partners and make sure it is getting the best possible value. If you stay with a company for years out of blind loyalty, then you could be spending a lot of

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The Risks In Running A Restaurant

The Risks In Running A Restaurant

We have plenty of experience working with restaurant owners, and we can tell you that running a restaurant is hard work. The risks involved in running a restaurant are enhanced by the fact that the profit margins are very slim. If you want to reduce your chances

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The Risks Associated With Wind Farms

The Risks Associated With Wind Farms

When the conditions are right, corporations are taking advantage of their windy locations to keep their energy costs down. As a construction contractor who builds wind farms, you have to be conscious of the risks involved and know how to protect your business and employees. We are

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Getting Started With Workers’ Compensation

Getting Started With Workers’ Compensation

In states such as New York, it is mandatory for a company with employees to have workers’ compensation insurance. States that mandate workers’ compensation also have minimum limits that every company must meet to avoid fines. We work with clients on workers’ compensation needs all of the

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What Do General Contractors Worry About?

What Do General Contractors Worry About?

  Being a general contractor carries a tremendous responsibility to clients, workers, and the public at large. Not only does a general contractor have to worry about its own workers and operations, but it also has to worry about all of its subcontractors as well. If a

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Protecting The Contract Managers

Protecting The Contract Managers

Contract management is something construction companies can do on their own, or subcontract out to a professional organization. Contracts are complicated legal documents and contract managers assume all of the risk involved in executing and altering contracts. All of this opens up a lot of areas of

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Insuring Your Next Concert Event

Insuring Your Next Concert Event

Whether you are planning a small one-group concert or a huge festival, security and insurance must be two of your primary concerns. The challenges facing concert promoters are no secret with all of the news of tragedies at shows, and concert promoters must be sure they are

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Risks Paving Contractors Need To Be Aware Of

Risks Paving Contractors Need To Be Aware Of

Being a paving contractor means working with big machines and handling a lot of debris. But did you also know that paving contractors need to protect against possible pollution infractions and hazardous waste issues because of the materials they use? Our business experts are trained to handle

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What is Commercial Umbrella Insurance?

What is Commercial Umbrella Insurance?

When we work with our clients, we like to put together comprehensive risk coverage plans that protect against as many potential issues as possible. If we miss something and it turns out to become a problem, then our customer could go out of business because of our

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The Hidden Risks Of Demolition

The Hidden Risks Of Demolition

For a large number of our construction clients, building work cannot begin until existing structures have been eliminated. Demolition is a dangerous business, and that is why we spend a great deal of time counseling our demolition clients on the best ways to protect their companies and

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Your Annual Risk Audit

Your Annual Risk Audit

As risk mitigation professionals, we work closely with our customers to adjust to changes as they happen to make sure that coverage is up-to-date. But over the course of a year, things can change so much that sometimes the coverage could use a little tweaking. That is

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Ensuring The Safety of Your Fleet

Ensuring The Safety of Your Fleet

A safe fleet of vehicles for your business means less money lost to unnecessary repairs, and it also means lower insurance premiums. We are constantly offering our clients advice on how to bring down their insurance costs, and we find that one big way of keeping costs

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How to Respond When a Worker is Hurt on The Job

How to Respond When a Worker is Hurt on The Job

No employer ever wants to have to see an employee get injured, but it happens on job sites across the country every day. Even the best safety programs can have injuries, but it is how the company responds to the injury that can help make the situation

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4 Things to Consider When Becoming an Uber Driver

4 Things to Consider When Becoming an Uber Driver

  Uber advertises itself as a great way to make extra money by simply using your car as a taxi, but it is what Uber does not tell you that could make all of the difference. Before you decide to join the Uber app and become a

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How to Choose Safe Drivers For Your Fleet

How to Choose Safe Drivers For Your Fleet

Your business relies on the smooth operation of your fleet of vehicles to survive, which makes the drivers you hire very important people. Any business that relies on a fleet of vehicles should have a comprehensive process for screening and hiring drivers, and that process should be

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Dealing With Cargo Theft

Dealing With Cargo Theft

It is estimated that American businesses lose around $173 million per year to various types of cargo theft. As business risk professionals, we make sure that all of our customers understand the importance of insuring against cargo theft and having risk protection in place to keep financial

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Insurance Needs For Truckers In New York State

Insurance Needs For Truckers In New York State

If you are a trucker based in New York State, then you have insurance requirements you must meet if you want to stay legal when you are on the road. An independent trucker runs their own business, and it is your responsibility to make sure that you

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Which Insurance To Get As A First Time Business Owner In New York

Which Insurance To Get As A First Time Business Owner In New York

One of the line items in a new business that many new entrepreneurs leave out is insurance. Your insurance needs will depend on the type of business you are starting, but every first time business owner in New York should be aware that there are insurance requirements

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4 Things To Note When Starting A Taxi Business In New York

4 Things To Note When Starting A Taxi Business In New York

If you are going to start a taxi business in New York, then you need to do a comprehensive business analysis of the area to determine your best path to success. There are many considerations to take into account when it comes to starting a taxi business,

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Choosing A Good Commercial Insurance Plan

Choosing A Good Commercial Insurance Plan

Commercial liability insurance is different than the liability insurance you get with your personal vehicle or your homeowners insurance. At the commercial level, there are a lot of questions you have to ask in order to make sure you are getting the right coverage. It is important

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New York Law Requirements For Commercial Auto Insurance

New York Law Requirements For Commercial Auto Insurance

Commercial auto insurance is essential for any company that has vehicles on the road. In New York State, you cannot use your personal auto insurance to cover a commercial vehicle. The state requires a separate commercial policy for your vehicle if you use it for business, even

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Requirements For Getting Licensed As A General Contractor In New York State

Requirements For Getting Licensed As A General Contractor In New York State

We are proud when people considering getting into the contracting industry in New York State contact us for start-up advice. Being considered a resource for people new to the industry means that we have a positive reputation for the work that we do for our clients. Becoming

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Understanding Workers’ Compensation Coverage

Understanding Workers’ Compensation Coverage

Workers’ compensation insurance is something that every employer must carry by law. But it is also something that companies should carry to show their workers that the workers are a valuable asset to the organization. In the construction industry, workers’ compensation insurance is a critical part of

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What Type Of Insurance To Get As A General Contractor

What Type Of Insurance To Get As A General Contractor

General contractors carry a broad range of insurance that includes many types of coverage made specifically for builders. As insurance experts, we always take the time to run down the list of insurance general contractors will need with every client so that they understand the importance of

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Reducing Construction Hazards Onsite

Reducing Construction Hazards Onsite

Construction companies have a lot of details to attend to with every job they do, and safety is one of the most important details any company can deal with. As risk management professionals, we understand the need for safety on a job site because a safe job

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Lowering Your Business Insurance Rate

Lowering Your Business Insurance Rate

In the risk management industry, one of our primary concerns is keeping insurance and risk management costs down for our clients. When our clients take unnecessary risks or avoid the steps necessary to keep insurance costs down, then we know that we are on our way to

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What Type Of Auto Insurance Should Uber Drivers Get?

What Type Of Auto Insurance Should Uber Drivers Get?

The idea of the Uber ride sharing app has excited a lot of people around the world, but the business structure for Uber drivers continues to get more complicated. In an attempt to help Uber drivers understand their insurance needs, we are offering this short tutorial on

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What you Need to know about Insurance as an Independent Contractor

What you Need to know about Insurance as an Independent Contractor

Being an independent contractor is a great way to add some variety to your career, and it is also the best way to be your own boss. But if you have become used to working for another company and decide to become an independent contractor, then you

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The Risk Involved In Taking That Next Big Step

The Risk Involved In Taking That Next Big Step

A construction company is like any other business in that it is always looking for the chance to take that next big step in the company’s growth. A company should never sit still; it should always be looking for ways to grow. But when a construction company

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Planning For The Worst

Planning For The Worst

As a risk management company, it is our job to consider every possible contingency our clients could run into as they run their business. As you can imagine, some parts of our job are not very pleasant, but that is the reality of the world of business.

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The Importance Of Monitoring Project Progress

The Importance Of Monitoring Project Progress

When one of our clients invests in highly sophisticated project management software, we always insist that they take the time to become as familiar with their software as possible. Good software can help a company to monitor the progress of every project and make adjustments to projections

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The Risks Associated With Transporting Construction Equipment

The Risks Associated With Transporting Construction Equipment

Construction companies are constantly moving large equipment to job sites, or taking equipment off job sites for maintenance and repairs. When we consult with our clients, we always take the time to point out the many risks involved with transporting equipment and how those risks can affect

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Underride Guards Can Save Lives

Underride Guards Can Save Lives

In the discussion of how to make construction trucking safer, some time has to be spent discussing solutions for underride accidents. An underride accident occurs when a sedan or low-riding vehicle slams into the side or rear of a tractor trailer. In most cases, the impact will

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The Problem With Trailer Underride Accidents

The Problem With Trailer Underride Accidents

As a professional risk management organization that services the construction industry, we are well aware of the different kinds of dangers associated with construction work. We are also well-acquainted with the many dangers that the general public is unaware of, and we work hard to help our

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The Importance of Funds Control

The Importance of Funds Control

Not every element of risk for a construction company is found in the field or in the workshop. In our years of experience, we have saved our clients a lot of money simply by teaching the importance of funds control, and by offering comprehensive accounting services. If

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The Critical Role Of A Project Manager

The Critical Role Of A Project Manager

The Critical Role Of A Project Manager When you own a construction company, it is extremely important that you hire competent and experienced people to work on your projects. Every employee is important to your success, but your project managers are critical in keeping down the cost

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What Is A Builder’s Risk Insurance Policy?

What Is A Builder’s Risk Insurance Policy?

Job owners generally survive by establishing good working relationships with contractors, but not necessarily trusting contractors to be safe on every job. Even the best contractors run into trouble, and that is why builder’s risk insurance exists. If you are a new contractor, then we suggest you

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Planning For Circumstances Out Of Your Control

Planning For Circumstances Out Of Your Control

When it comes to mitigating risk, it is essential that you work with a professional and experienced organization. Our business professionals are experts at identifying and planning for risk that you might not consider significant. The conditions under which you do business are always affected by outside

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How A Construction Company Creates Its Own Risks

How A Construction Company Creates Its Own Risks

In the construction industry, there are plenty of inherent risks in the field work, and in the operating aspects of running the company. Building tall structures comes with a long list of risks, and running a business in this day and age where lawyers are kept very

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Staying Vigilant Reduces Risk

Staying Vigilant Reduces Risk

In any industry, there is a feeling of “that’s not my job” that can open up unexpected risk for any company. When we start talking about the construction industry, the idea of vigilance saving lives and reducing risk is extremely important. A construction company would never ask

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Areas Of Greatest Risk Exposure

Areas Of Greatest Risk Exposure

In the construction industry, risk is all around you. It is impossible for a construction company to start a job and not run into several different forms of risk, some of which can be financially devastating to the company. When we consult with our construction client on

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The Most Difficult Risk To Manage In Construction

The Most Difficult Risk To Manage In Construction

In the construction world, risk is everywhere. Our job is to help protect our clients from risk that is seen and unseen, and we have become proficient at that over the years. But with every client, there always has to be liability insurance in place to protect

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What Does It Mean To Transfer Risk?

What Does It Mean To Transfer Risk?

We deal so often in the transfer of risk that we sometimes don’t see the blank expressions in our clients’ faces when we explain to them that we can help in this area. We do eventually catch on that a little explanation is required, and we are

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Committing The Entire Organization To Risk Management

Committing The Entire Organization To Risk Management

When we talk to our customers about effective risk management, we always insist that risk management only works when the entire company is involved in the process. It sounds like a great thing to say, but what does it mean? As risk management experts, we can help

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The Business Of Construction

The Business Of Construction

As risk management experts for construction companies, we worry about more than just what is going on at the job site. The business of construction is complicated, and your company can run into serious financial trouble if you do not protect against the risks of doing business.

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Considerations You Will Need To Make When Using Drones

Considerations You Will Need To Make When Using Drones

Drones are the latest high-tech tool to rapidly become part of every day life in the construction industry, but they are definitely not toys. If you intend to use drones in your construction work, then you need to get in touch with your risk management professional immediately

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Strengthening Your Risk Management Approach

Strengthening Your Risk Management Approach

When we talk to new clients about risk management, we make it very clear that risk management is a co-operative effort. While we have years of experience in helping construction businesses to manage their risk, there is only so much we can do without the direct help

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Why Small Construction Companies Need Risk Management

Why Small Construction Companies Need Risk Management

  Since we are in the insurance business, we have become adept at explaining to construction company owners the value of what we offer. If you do not utilize professional risk management services, then you are opening yourself up to significant and possibly business fatal financial losses.

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Have You Ever Considered These Areas Of Risk?

Have You Ever Considered These Areas Of Risk?

When we talk to construction companies, we never focus just on the construction operations side of the business. We are well aware of the fact that construction companies are businesses and face the same general risks that any other business would face. But have you ever considered

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Protection From Risk You Never Saw Coming

Protection From Risk You Never Saw Coming

A big part of our job as risk management experts is to be able to identify risk potential that our clients would never see. While we would like to think that we have become quite good at identifying all sorts of risks, the difficult part is getting

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The Three Rules Of Construction Risk Management

The Three Rules Of Construction Risk Management

When we consult with our construction clients, we always try to keep our side of the conversation as effective as possible. We do not try to overload our clients with terms and information they really do not need, because that can make risk management appear to be

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Risk Management Responsibilities

Risk Management Responsibilities

Who is responsible for risk management in your construction company? Our clients will point at us and say that we are responsible, but they are only partially correct. Good risk management is a group effort, with each part of the company contributing to the overall success of

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How Construction Drones Can Pay For Themselves

How Construction Drones Can Pay For Themselves

As part of our job in risk management, we keep a close eye on emerging technologies that we believe can help our construction clients to be more productive. We have talked about how drones can help with security, but we wanted to spend a little time pointing

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Marijuana Legalization & Insurance

Marijuana Legalization & Insurance

Many of our construction company clients are starting to become concerned about having to deal with marijuana as it becomes legalized in more states. The issue is not the recreational legalization of marijuana because that can be treated just like recreational alcohol. If a worker is incapacitated

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Why Not Take The Risk?

Why Not Take The Risk?

You run a small construction company and you know that an upcoming project is going to require a new type of safety equipment. You could be fined if you do not use the equipment, but the fine would not be nearly as expensive as buying the new

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Vehicle Data You Must Keep

Vehicle Data You Must Keep

There are few things more frustrating to a risk management expert then needing to file a vehicle claim for a client only to find out there is very little data about the vehicle available. In order to properly manage your fleet of road, construction, and specialty vehicles,

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Negotiating Risk

Negotiating Risk

We are always surprised when we take on a new client who is an experienced contractor but does not realize that risk is negotiable. Too often we see construction companies enter into agreements for jobs that assign risk to the wrong parties. If you are not checking

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How Much Should You Really Automate?

How Much Should You Really Automate?

If there is one thing we have noticed in our years of working with the construction industry it is that construction executives take a long time to start adopting any new ideas. But once something new takes hold in the construction industry, it can take off like

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Enhance Your Job Site Security

Enhance Your Job Site Security

When we discuss job site security with our clients, we stress how damaging theft can be. A piece of equipment that is stolen represents lost assets and lost production time. Both of those losses add up to some real financial problems for our clients. We have a

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Preparing for a Rise in Commercial Auto Insurance

Preparing for a Rise in Commercial Auto Insurance

  The insurance industry is based on a balance between premiums coming in and settlements going out. The commercial auto insurance industry had been operating at a loss since at least 2011, and the time is coming when commercial auto carriers are going to start raising their

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Handling The Intermingled Nature Of Risk

Handling The Intermingled Nature Of Risk

When we talk about risk to our construction clients, we are always quick to point out that risk is not as straightforward as it may seem. For example, the risk involved in taking on a subcontractor with a bad safety record not only has the potential to

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Tips On Renting Tools And Equipment

Tips On Renting Tools And Equipment

All of our construction company clients wind up renting tools, vehicles, or other types of equipment at some point. There are plenty of good reasons to rent equipment instead of buying, but you could be doing your company a disservice if you did not consider all of

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Tips For Winter Safety On A Jobsite

Tips For Winter Safety On A Jobsite

As with most other things in your life, the winter weather can force you to change routines and find alternative ways of getting things done. When it comes to our construction clients, we are constantly emphasizing the importance of altering their safety policies during the winter to

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What Type Of Insurance Helps After A Storm

What Type Of Insurance Helps After A Storm

Many of our construction clients located in areas known for hurricanes have special types of insurance coverage that often kicks in after a storm has passed through. If you own a construction business that is threatened by hurricanes every year, then it is in your best interests

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Sharpen Your Risk Management Skills

Sharpen Your Risk Management Skills

When we coach customers on how they can help to mitigate their own risk, we always give practical advice that customers can use with each project and every day. As risk management professionals, we do everything we can to make sure that our clients are protected from

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Surveillance Cameras And Your Jobsite

Surveillance Cameras And Your Jobsite

Every construction company owner knows that surveillance cameras are excellent ways to deter crime, and to help police identify and catch criminals. It would seem obvious that construction companies would install surveillance cameras at every job site to protect equipment and discourage vandalism, but there has always

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Construction Risks You Never See Coming

Construction Risks You Never See Coming

One of the advantages we offer when it comes to risk management is all that we have experienced in our years of being in business. Some construction company owners could be in the industry for decades and still not experience many of the instances of risk that

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The Four Simple Ways To Avoid Risk

The Four Simple Ways To Avoid Risk

It is a little misleading to say that avoiding risk is simple, but we have been able to boil down risk management into four tasks that anyone can understand. When we work with a client, our job is not to make risk into some kind of unattainable

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The 6 Faces Of Construction Risk

The 6 Faces Of Construction Risk

When risk management professionals talk about risk, the term can seem vague and even confusing to many construction company owners. Construction is a risky business, but a risk management professional sees risk in many different ways. Every construction worker takes on a certain amount of risk when

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Four Details You Are Forgetting For Your Business

Four Details You Are Forgetting For Your Business

Construction companies often do things at a faster pace than most other businesses for a variety of reasons. We have learned over the years that asking our construction clients to slow down is not going to get any results because deadlines are deadline. Instead, we have developed

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Your Responsibilities To Jobsite Visitors

Your Responsibilities To Jobsite Visitors

When your jobsite has visitors, it is easy to take their safety for granted. Many construction professionals forget that jobsite visitors often do not have the experience of a construction worker and do not have the instincts to stay out of harm’s way. There are also certain

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Taking Care Of The Details

Taking Care Of The Details

As business experts we find ourselves repeating our advice frequently to our customers, and the most common piece of advice we use is to make sure you take care of the details. While this does mean making sure that a company has the right equipment to do

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The Process Of Risk Management

The Process Of Risk Management

When we sit down with a new client for the first time, we go over the process of risk management and what each step really means. It is important to us that our clients gain a strong understanding of what goes into determining and managing risk, so

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We Help Protect You And Your Business

We Help Protect You And Your Business

As risk mitigation experts, our job is to help identify ways your business is exposed to risk during normal operations, and then plan for those risks. We are also experts in planning for contingencies that you may have never thought of, but would apply directly to your

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What Is A Captive Insurance Company And How Do They Work?

What Is A Captive Insurance Company And How Do They Work?

Risk management is a big deal to construction companies, but it can also be confusing if it is not done properly. Many construction companies choose to work with an experienced risk management organization to identify and plan for any type of risk contingency. A growing number of

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How New Anti-Retaliation Laws Can Affect Your Business

How New Anti-Retaliation Laws Can Affect Your Business

A contractor has to be concerned with federal and state laws that could invite risk in situations where risk is a touchy subject. OSHA has recently announced that it is going to be altering its anti-retaliation laws which are designed to encourage workers to report accidents and

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Understanding OSHA In New York State

Understanding OSHA In New York State

The Occupational Safety and Health Administration (OSHA) is a federal agency that has offices all over New York State. While every contractor recognizes OSHA and what OSHA does, the role of OSHA in making sure that worksites are safe may be a little cloudy. We always recommend

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Important Factors That Affect Your Risk

Important Factors That Affect Your Risk

Our construction clients are always up to date on the latest in insurance and legal information because it is our job to keep them updated. But when it comes to running a business, we always insist that our clients keep us in the loop whenever anything changes.

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Cranes And The Changing Face Of Risk In New York City

Cranes And The Changing Face Of Risk In New York City

In February 2016, a large crane collapsed and killed one person on a construction site in New York City. As risk experts, we keep track of all of the latest news as it pertains to construction accidents, and New York City’s construction industry is changing rapidly thanks

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4 Details You Need To Attend To With Subcontractors

4 Details You Need To Attend To With Subcontractors

When it comes time to start breaking ground on your new project, it is important to have all of your subcontractors on the same page. The only way to keep your project running smoothly is to create methods for monitoring subcontractor work, and making sure that everyone

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Interacting With Your Subcontractors

Interacting With Your Subcontractors

In any job situation, it is not unusual for the general contractor to allow its subcontractors to use some of the general contractor’s supplies or tools. But is lending materials and equipment to a subcontractor a good idea, and where is the line that should not be

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Basic Insurance Coverage Your Contracting Business Will Need

Basic Insurance Coverage Your Contracting Business Will Need

When we talk to our construction clients, we always do our best to make sure that everything we explain is easy to understand. In some circumstances, using industry jargon is unavoidable and can get confusing. The reason our customers hire us is because we are risk mitigatioin

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Hiring the Right People

Hiring the Right People

As a construction company, your business is powered by the people that you entrust to get the job done. As a risk mitigation company, it is our job to make sure that every part of your business is maximized to avoid risk and save you money. We

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How To Protect Yourself From The Scaffolding Law NYLL 240(1)

How To Protect Yourself From The Scaffolding Law NYLL 240(1)

As a contractor, you are affected significantly by the different New York State Labor Laws (NYLL) and all of their provisions. One thing we have learned after years of helping contractors to mitigate risk is that every portion of the NYLL has details that can affect the

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Important People Every Contractor Needs To Hire

Important People Every Contractor Needs To Hire

When we start advising clients on how to avoid risk, we get into every aspect of their business. We look at business processes, and we also take a long look at the personnel in the office and in the field. In order to properly handle risk, you

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A Quick Site Inspection Cheat Sheet

A Quick Site Inspection Cheat Sheet

When we start working with a new client, one of the first things we talk about is the idea of hiring a site inspection expert. We understand the expense involved, which is why we are always prepared to discuss the financial return on that sort of investment.

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4 Business Practices That Reduce Your Risk

4 Business Practices That Reduce Your Risk

Construction companies deal with a lot of schedules and obstacles throughout the course of the day that can affect how a project is run. The well-prepared contractor knows that delays happen, and the worst thing they can do is ignore their safety policies to try and make

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What You Need To Know From A Subcontractor

What You Need To Know From A Subcontractor

We have talked at great length about protecting your company from the dangers presented by subcontractors, but we wanted to share some business ideas with you to help your business get more productivity and profitability from the subcontractors you use. As risk experts, we know the importance

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The Benefits Of Focusing On Safety

The Benefits Of Focusing On Safety

When we work with a new client, the first thing we do is discuss their position on safety. Is there a safety policy in place? Does the company do regular safety training sessions and site inspections? As risk experts, it is our job to identify areas of

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The Letter Of The Law

The Letter Of The Law

As contractor industry experts, we have become well-versed in all of the laws governing New York State construction sites. The biggest reason that we have become so knowledgeable about construction laws is because ignorance of those laws could cost a contractor a lot of money now, and

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What If I Cannot Afford Insurance?

What If I Cannot Afford Insurance?

One of the questions we hear most often from our clients deals with the cost of having insurance. We understand contractors and we appreciate their need to have something tangible in their hands to give that satisfaction of spending money. When a contractor buys a new bulldozer,

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Investing In Technology Can Protect Your Business

Investing In Technology Can Protect Your Business

One of the phrases we hear many times when talking to our construction clients is that “this is just the way we have always done things.” We are also sticklers for tradition and staying with equipment and processes that have proven their value over the years. But

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The Parts Of A Strong Risk Foundation

The Parts Of A Strong Risk Foundation

As qualified business consultants, our professionals are constantly working with construction companies to develop business practices that will help to reduce financial risk. Our experts spend a lot of time evaluating the business practices of our construction partners and developing the best possible ways for them to

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Ways to Make Sure Your Project is Done Safely

Ways to Make Sure Your Project is Done Safely

As risk mitigation specialists, our team of experts spends a lot of time monitoring and examining business processes. We pay attention to every detail, and note the more common causes of accidents so that we know how to protect our clients. One of the problems we have

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Direct and Indirect Risk

Direct and Indirect Risk

In the construction world, every construction company has to be concerned about direct and indirect risk. Direct risk is the events and activities that are directly attributed to your company and over which you have some level of control. There are two types of indirect risk; subcontractor

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Identifying Potential Injury Situations

Identifying Potential Injury Situations

In this blog, we will discuss specific types of situations that could result in injuries on any job site. Much of our content gives good information on how to protect your company from financial losses due to injuries, but we also feel it is important to help

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Keeping An Eye On The Details

Keeping An Eye On The Details

When our consultants start working with a construction client, the last thing we want to do is generalize that client’s account. When it comes to risk management, you need good details or else your claims may never go through. After many years in the risk assessment business,

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The Dangers Of Scaffolding And Ladders

The Dangers Of Scaffolding And Ladders

When we work with a construction client, one of our first tasks is to assess the risk involved in every aspect of the client’s operations. If your company does construction work, then you use ladders and scaffolding in some way. Whenever you put up scaffolding on a

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The Dangers Of Scaffolding And Ladders

The Dangers Of Scaffolding And Ladders

When we work with a construction client, one of our first tasks is to assess the risk involved in every aspect of the client’s operations. If your company does construction work, then you use ladders and scaffolding in some way. Whenever you put up scaffolding on a

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The 4 Elements That Must Be In Place Before You Start A Project

The 4 Elements That Must Be In Place Before You Start A Project

In the construction industry, things can happen quickly. As you are working on a job site, you determine that you need a certain type of subcontractor. You call a subcontractor you have done work with before and put them on the job with only a handshake agreement.

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What We Do To Help Your Company

What We Do To Help Your Company

We are a full-service risk mitigation organization that utilizes professional business consultants to help our clients succeed. It is a lot of big talk, but what does it mean? How does an organization like ours help to protect a contracting organization like yours? We could give you

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Properly Maintaining The Jobsite Reduces Risk

Properly Maintaining The Jobsite Reduces Risk

  Our job is to help our customers prevent financial losses by reducing risk. We look at the way you do business as a contractor, and then we make recommendations that will protect your business during the normal course of operations. We are also experts at helping

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The Services Of A Good Risk Manager

The Services Of A Good Risk Manager

We have been in business for years, and we have accumulated a great deal of experience in risk management for dozens of industries. Our business consultants are far more than just insurance agents or brokers. They are professionals who will assess your business and make recommendations to

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Five Steps To Creating A Safer Job Site

Five Steps To Creating A Safer Job Site

  When a construction company sets up a new work site, there are several legal and procedural things that must be done before work can begin. The proper paperwork has to be signed, labor law posters must be put up, and the right supervisory staff must be

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The Five Provisions Your Subcontractor Agreement Must Have

The Five Provisions Your Subcontractor Agreement Must Have

We talk a lot about contract provisions that protect you from mistakes made by your subcontractors. But in order to truly understand how comprehensive your subcontract agreement must be, you need to understand the five provisions that will protect your business and keep your project moving along

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Necessary Provisions In Subcontractor Agreements

Necessary Provisions In Subcontractor Agreements

Every general contractor that uses an expansive network of subcontractors is unnecessarily increasing their exposure to risk. While a general contractor does not have the time to micromanage their subcontractors, the work of a subcontractor is still the responsibility of the general contractor in charge. As contracting

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5 Actions That Immediately Increase Your Risk

5 Actions That Immediately Increase Your Risk

  As a contractor, you have to be careful with the way you conduct business. Each transaction you make should be covered by a purchase order or an invoice and the proper indemnification agreements, and every subcontractor you work with should have the proper types of insurance

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What New York General Contractors Need To Know About Their Subcontractors

What New York General Contractors Need To Know About Their Subcontractors

  A big part of mitigating risk for your contracting business is making the right decisions each and every day. You need to have a good maintenance schedule in place for your equipment, you need to hold regular safety training sessions for your employees, and you need

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Utility Contractors Need The Right Kind Of Risk Protection

Utility Contractors Need The Right Kind Of Risk Protection

When it comes to protecting utility contractors, it takes more than just general insurance information and a product pamphlet. When we take on the task of mitigating risk for utility contractors, we utilize our experienced business professionals who have worked a number of years in the utility

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Getting The Right Transfer Station Insurance For Your Business

Getting The Right Transfer Station Insurance For Your Business

Running a transfer station can be a difficult job because you rely a great deal on other businesses to be responsible for what they do. Most transfer stations have insurance requirements their customers must meet before those customers can start dropping off loads. At a transfer station,

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Refinery Insurance Will Protect Your Business

Refinery Insurance Will Protect Your Business

It is difficult for business owners to understand just how comprehensive our risk assessment knowledge is, but we are able to cater to the needs of any business. One industry that carries a tremendous amount of risk is the oil refinery industry, and we have become experts

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Insurance Musts For Your Recycling Business

Insurance Musts For Your Recycling Business

One of the things we have learned in our many years of being in business is that every industry has its own challenges that present a variety of risks. Many business owners that we work with are shocked when we present our initial risk analysis reports, because

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Your Source For Professional Power Plant Risk Management

Your Source For Professional Power Plant Risk Management

Owning a power plant has become much more complicated and the demands on your business have changed considerably. The demand for power is growing around the country, and the methods used for generating power have all come under scrutiny. Environmental laws are causing power plants to re-evaluate

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Why You Need Paving Contractor Insurance

Why You Need Paving Contractor Insurance

Paving contractors face a variety of challenges to their business every day, and it can be risky for a contractor to work without the proper insurance in place. Our business consultants are paving contracting experts with several years working with companies that build roads and parking lots

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Your Local and Long-Haul Trucking Insurance Provider

Your Local and Long-Haul Trucking Insurance Provider

Working in the trucking industry creates a variety of insurance challenges that are not found in other industries. Not only does the company owner have to insure their own vehicles, but they also have to make sure they have plenty of insurance for their cargo as well.

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Get The Right Homeowners Insurance

Get The Right Homeowners Insurance

Homeowners are always looking to protect their investment and their families in case of an emergency. Most lenders require that there be a homeowners insurance policy in place before a mortgage will be approved, but that does not mean that you should get a generic policy that

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Get The Sanitation Insurance You Need For Your Business

Get The Sanitation Insurance You Need For Your Business

The average citizen does not understand how limited municipalities are when it comes to sanitation services. That is why large apartment complexes, industrial facilities and other large organizations often look to private sanitation companies for the right types of services. Private sanitation companies can offer portable and

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The Right Demolition Insurance For Your Company

The Right Demolition Insurance For Your Company

The demolition industry is one of the most dangerous contracting fields for the workers and companies that are involved. There is a level of unknown danger on any demolition job site that could lead to company property damage, serious injury or even death. That is why demolition

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Protect Your Business With Construction Insurance

Protect Your Business With Construction Insurance

If you own a construction business, then you are already aware of how important it is to track your costs and save money. What would you do if one of your big machines was damaged on a job site? You would probably rent a replacement, right? Did

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Does Your Business Need A Buy/Sell Agreement

Does Your Business Need A Buy/Sell Agreement

Any business that does not plan for every contingency is doomed to suffer when disaster strikes. That is why it is critically important to talk to one of our business experts about buy/sell insurance for your company. With this type of insurance in place, your company will

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What You Need To Know About Demolition Insurance

What You Need To Know About Demolition Insurance

Demolition contractors run into issues on every job that other types of contracting businesses normally never have to deal with. One wrong decision on a demolition site and the result could be disastrous. That is why it is so important for every demolition company to have the

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Why You Need Construction Insurance

Why You Need Construction Insurance

Any business needs insurance, but many industries benefit from insurance products that are specifically geared towards their needs. The list of companies that would benefit from construction insurance includes: General contractors Security system installation companies Carpenters Handyman businesses Plumbers Masonry contractors Developers Renovation companies The contracting industry

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Tips On Putting Together A Buy/Sell Agreement

Any business owner, whether they have partners or not, is taking a huge risk if they do not have a buy/sell agreement in place. Even if the plan is for your business to stop operations after you have passed away, there are still final expenses that will

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Things To Know About Group Health Insurance

Your employees are your greatest asset and you want to do everything you possibly can to make them safe. But you also have to consider the financial impact of offering group health insurance and how it will affect your bottom line. As business consultants, we understand how

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Let Experts Handle Your Watercraft And Marine Insurance Needs

Anyone who has experience with sea faring craft knows just how different life on the water is when compared to dry land. Everything to do with owning and operating a speed boat, sailboat or jet ski is very unique. That is why we insist that you allow

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Key Man Protection Keeps Your Company In Business

Look around at the important members of your team and try to imagine your business operating without them. Your best sales professional has established strong ties with your top customers and if something were to happen to that sales professional, then those customers may fade away. Now

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Plan On Personal Liability Insurance

You are sitting on the front porch of your house reading a book and suddenly you hear a loud crashing noise next door. When you go to investigate, you see your neighbor and your son face to face and your neighbor holding your son’s baseball. The baseball

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There Is More To Life/Health And Disability Insurance Than Financial Benefits

We are professional business consultants, but we are also people who have full lives as well. It can be easy to lose sight of the human elements that go along with good insurance protection, which is why we always offer to remind our clients of the human

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Some Tips On Getting The Best Auto Insurance

Our insurance experts handle a wide variety of business and personal lines of insurance. One of the personal lines we offer is auto insurance. Over the past few years, auto insurance has been turned into a sort of commodity because of the significant rise in the number

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Using Buy-Sell Agreements To Protect Your Business

It is human nature to not want to think about what could happen if a worst-case scenario were to play out. It is this apprehension that prevents children from wanting to discuss life insurance beneficiary arrangements with their parents and it is also this apprehension that prevents

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Everyone Could Use Coverage From A Good Umbrella

Umbrella insurance has a catchy name that has been used by insurance companies for years to create memorable marketing pieces. Perhaps you have seen a clever umbrella insurance commercial, or you have seen umbrellas with insurance company names on them and a catchy marketing message. But what

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Using Life Insurance As An Estate Planning Vehicle

One of the biggest myths in the financial world is that estate planning is only for the right and it is very complicated. First of all, estate planning is for anyone who wants to provide for next of kin and has property to protect. Secondly, you can

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How Insurance Makes Sure That Your Business Continues On

No one can predict the future, which is why investing insurance is one of the best ideas a business owner can have. Our business experts understand the importance of maintaining revenue in the face of a crisis. We know that the death of a partner or the

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Life & Disability Insurance Can Improve Your Personal Finances And Business

People often underestimate the real value of commercial and personal life and disability insurance. One of the reasons that people disregard life and disability insurance is because most people do not want to admit that money is important in everyday life. But the truth is that money

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201 Edward Curry Ave,
Staten Island, New York 10314
Tel: 718-804-5812
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Hauppauge, New York 11788
Tel: 631-336-2572
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