Umbrella Insurance for Your Business and Peace of Mind

Caroline VegaBusiness InsuranceLeave a Comment

umbrella insurance

In a culture where litigation is commonplace, business owners have many more worries than making profits and retaining top employees. If your product injures a consumer, your organization could face a devastating lawsuit, exponential damages and a tainted reputation in the marketplace. To assist with the financial burden of a claim, many business owners purchase commercial umbrella insurance on top … Read More

E-Liability Insurance: What Are Your Risks?

Caroline VegaBusiness InsuranceLeave a Comment

E-Liability Insurance & Cyber Liability Insurance

Internet-related liabilities are present whether your company simply uses email or is actively involved in e-commerce. Do you have the appropriate coverage?   Traditional comprehensive commercial general liability (CGL) policies cover many of a business’s typical risks: claims of bodily injury, personal injury, advertising injury and property damage as a result of your products, premises or operation are commonly included. However, … Read More

Hotel Risk Insights: Recognize Attractive Nuisance Dangers

Caroline VegaBusiness InsuranceLeave a Comment

New York premises liability insurance

Why does your business need New York Premises Liability Insurance – Property Coverage? An attractive nuisance is defined as a building, object or other areas that attract visitors who may or may not be welcome. These areas may not be properly fenced in or contain warning signs of their impending dangers. Attractive nuisance injuries can be quite serious, and sometimes … Read More

Employment Practices Liability Insurance: Crucial for Small Businesses

Caroline VegaBusiness InsuranceLeave a Comment

insurance protection for small business owners

According to a recent study, more than half of all claims filed for employment-related liabilities are against employers with fewer than 50 employees. Alarmingly, the study also reveals that not even 2 percent of small businesses have employment practices liability (EPL) coverage. High Price Tag of NYC Employment Practices Liability Insurance Employment-related claims can be extremely costly, especially in cases … Read More

Safety Tips: Take Precautions When Operating a Forklift

Caroline VegaTruckingLeave a Comment

commercial truck & forklift insurance NYC

Forklifts, also called powered industrial trucks, help companies perform essential loading, unloading and warehousing tasks, but they are also quite dangerous. Driving a forklift is a serious responsibility and should not be taken lightly. Forklift drivers must be properly trained and follow all safety procedures and precautions. New York Forklift Insurance Safety Tips Below are some of the basic safety … Read More

Commercial Auto Insurance Premiums: Risk Insights about Frequency & Severity

Caroline VegaCommercial Auto InsuranceLeave a Comment

NYC Commercial Auto Insurance

NYC commercial auto insurance rates are based on several factors, frequency, and severity of crashes, auto repair costs, medical and hospital costs, lawsuits and court judgments, insurance fraud, vehicle type, and deductibles. This means that while your company’s inherent level of risk is a factor that affects the premium you will pay for auto insurance, that amount is also affected … Read More

The 3 R’s To Buying Workers’ Compensation Insurance: Review, Reboot, Renew

Caroline VegaWorkers Comp TipsLeave a Comment

NY Workers Comp Rates May Rise

As a business owner you know that Workers’ Compensation insurance is required by law; but did you know that each time you renew, your business has an opportunity to streamline your costs and methodology? The three R’s to buying workers’ compensation insurance might just help you better understand what our goal is in helping you. Review Your New York Workers’ Compensation Insurance Ask yourself these questions: … Read More

New York Warehouse Insurance: 5 Steps to Lower Workers Comp Costs

Caroline VegaWarehouse InsuranceLeave a Comment

New York warehouse insurance

Is your warehousing business burdened by rising workers’ compensation costs? If so, you are not alone. Others in the industry have attempted to reduce insurance costs and spending by controlling internal activities, but we have a different approach. Our five-step plan helps you establish a safety program that is both compliant with Occupational Safety and Health Administration (OSHA) standards and … Read More

Brewery Insurance: Coverage Insights for Insuring Craft Breweries

Caroline VegaBusiness InsuranceLeave a Comment

Brewery Insurance New York

In the past 30 years, the number of brewers in the United States has grown from under 100 to more than 2,400. Of these breweries currently in operation, almost 98 percent are considered regional craft brewers, microbreweries or brewpubs. With this continued trend, insurers have begun to offer more effective brewery insurance policies to address the unique exposures faced by … Read More

Money Saving Tips: Workers Compensation Insurance Guide

Caroline VegaCosts, SafetyLeave a Comment

workers comp money saving tips

Workers Comp Strategies that Will Positively Influence Your Bottom Line This workers compensation insurance guide offers suggestions about safety in the workplace, return to work strategies, claims management, and medical and legal considerations. Safety Program Goals Investigate near-miss incidents to prevent future accidents. Seventy-five percent of accidents are preceded by a near miss. Create a risk control service plan based … Read More

Workers Compensation Audit Tips

Patrick ScanlonWorkers Comp TipsLeave a Comment

Workers Compensation Audit Tips -3-Things You Need To Know No matter how long you have been in business, Workers Compensation Audit Tips might help to answer any questions you may still have about the process that takes place once a year. What Is A Premium Audit & Why Is It Required? Workers compensation policy premium is based on payroll estimates. At the … Read More

Workers Compensation Rate 7219, Trucking Gets 11.8% Rate Increase

Ed WinslowNY Class CodesLeave a Comment

NY trucking insurance

  NY State Workers Comp Truckers classified under 7219 get a 11.8% rate increase on their 2017  policies. Workers Comp Rates – Click Here Definition-Applied to Trucking companies that haul general merchandise under contract for others. Who Can Use it-In NY State,  Class Code 7219 is used by long and short haul truckers that transport products, merchandise, automobiles, freight and … Read More