How Much Is Workers Comp In NY?

Edit Column Workers’ compensation insurance is mandatory for most employers in New York. The cost of workers’ compensation insurance varies depending on several factors, such as the industry, number of employees, and history of workplace accidents. In New York, workers’ compensation insurance rates are set by the New York State Department of Financial Services. […]

Which Situation Qualifies An Employee For Workers Compensation Coverage?

Workers’ compensation is an insurance policy that provides medical and financial benefits to employees who are injured or become ill as a result of their job. In general, an employee is eligible for workers’ compensation benefits if they sustain an injury or illness during the course of their employment, regardless of whether the injury was […]

exterior of a building under construction

Artisan & Service Contractor’s Guide to Loss Control

As an artisan or service contractor, it’s important to take measures to prevent losses that could potentially harm your business. This is where loss control comes in. Loss control is the process of identifying, assessing, and mitigating risks that can lead to losses in your business. Here are some loss control tips for artisan and […]

What Is The Difference Between An Artisan And A General Contractor?

When it comes to the construction industry, there are different types of contractors, including general contractors and artisan contractors. Understanding the difference between these two is important, especially when it comes to insurance coverage. General contractors are responsible for overseeing a construction project from start to finish. They are typically hired by the property owner […]

What Does Commercial Auto Liability Insurance Exclude?

Commercial auto liability insurance is an essential coverage for businesses that rely on vehicles to transport goods or passengers. However, like any insurance policy, it has its limitations and exclusions. It is essential to understand what commercial auto liability insurance excludes to ensure that your business is adequately protected. One of the main exclusions of […]

What Is The Difference Between Commercial And Private Auto?

Commercial auto insurance and personal auto insurance are both designed to provide coverage for vehicles, but they have some key differences. The primary difference between commercial and personal auto insurance is that commercial auto insurance is designed for vehicles used for business purposes, while personal auto insurance is designed for vehicles used for personal transportation. […]

What Is Excluded From A Business Owners Policy?

A Business Owners Policy (BOP) is a type of insurance policy that combines various coverages into one comprehensive package, typically designed for small to mid-sized businesses. While a BOP can provide broad protection for a wide range of risks that businesses face, there are some exclusions to be aware of. One common exclusion in BOPs […]

What Types Of Businesses Are Eligible For A Business Owner’s Policy?

A Business Owner’s Policy (BOP) is a comprehensive insurance policy designed to provide coverage for small businesses. It combines essential coverages such as property, liability, and business interruption insurance into one policy. While BOP coverage is a great solution for small businesses, not all businesses are eligible for it. Generally, BOP coverage is designed for […]

Boat Maintenance: Tips to Properly Care For Your Boat

Owning a boat is a great investment that provides an opportunity for relaxation and recreation. However, just like any other investment, your boat needs to be properly taken care of to maximize its lifespan and ensure safety. Here are some tips to properly care for your boat: Regular cleaning: Regular cleaning of your boat is […]

What Coverage Is Not Included In The Boat Owners Policy

Edit Column Edit Text Editor As a boat owner, it is important to have a comprehensive insurance policy that provides coverage in the event of an accident or damage to your boat. However, it is equally important to understand what is not covered by your boat owner’s policy to ensure that you have adequate […]

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