Commercial Liability Limits If you are a New York business owner and have a business liability insurance policy, you may be wondering, what is the difference between the two limits you see on your insurance policy. The liability insurance policy…
Labor Law Coverage If you are a business owner, especially a contractor, in the state of New York you most likely have heard of the term Labor Law Coverage or Scaffolding law. It is no secret construction is one of…
When do I need to get Worker’s Comp As a business owner in the State of New York, you may cringe when thinking about Worker’s Compensation. But one thing is imperative, you need to know and understand when you are…
Elevation Certificate Congratulations, you just purchased a new house and your mortgage company is telling you need to get Flood Insurance. The first person you talk to asks, do you have an elevation certification? What is an elevation certificate? Why…
What is New York State’s Short Term Disability? As a business owner in New York State with employees, you are required to carry a Short-term disability policy. The policy differs from Worker’s Compensation but both need to be issued at…
Water Damage You’ve just walked downstairs and noticed that the basement floor is wet, possibly even covered in a few inches of water. Where did that water come from? Will be insurance company pay for this? Well, that depends on…
Homeowners Insurance Deductible A Deductible is what you have to pay out of your pocket initially before the insurance company is going to pay any money towards a claim. Most insurance company’s offer a flat per claim deductible on your home…
Insurance Exclusions As a consumer, as you buy an insurance policy to protect whether it is your home or automobile or even your business the hope is that if anything happens you will be covered. The problem is, that is…
The biggest mistake landlords make If you are a landlord, meaning you own rental or investment property, you are more than likely unaware of the biggest mistake you’re making at the time of lease. This applies to whether you one…
What is Personal Liability You may be asking yourself, what is personal liability coverage on my homeowner’s insurance policy, and is it important? Yes, this is an extremely important coverage and is meant to protect you and your family in…
