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Workers’ Comp protects both your team and your business. The key is correct class codes, accurate payroll, and a clean experience mod. Simple steps—formal hiring practices, return‑to‑work plans, and documented safety—lower losses and premiums. If you’re unsure whether your codes or audits are right, I can review and explain everything in plain English.
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General Liability premiums are driven by exposure (sales/payroll), industry class, claims history, and limits. You can often save by tightening classifications, eliminating unused coverages, increasing risk controls, and packaging GL with other lines. I also ask underwriters for credits backed by real improvements—training, contracts, or safety programs. I’ll show you where savings are available without…
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The three mistakes I see most: buying only on price, assuming a certificate equals coverage, and letting policies auto‑renew. Price matters, but exclusions matter more. Certificates prove a policy exists; they don’t guarantee the terms you think you have. And auto‑renewals can hide rating changes and new exclusions. I’ll help you compare policies side‑by‑side so…
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I recommend an annual insurance review because your operations, payroll, and contracts change. When coverage lags behind reality, gaps appear—especially in limits, classifications, and endorsements. Once a year, I walk clients through what’s new, what can be removed, and where we can improve pricing or terms. It’s fast, practical, and it keeps surprises out of…
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In our ever-changing world, so many companies have experienced supply chain vulnerability. Even the most well-thought-out plans must still account-for uncertainty. So what happens when there is a disruption in your supply chain? If your company’s risk mitigation strategy includes Supply Chain Insurance, claims are simple, and payouts are fast. Supply Chain Insurance is meant to cover the…
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Hey, Everyone! Lots of people have questions about the differences between the types of life insurance available. At its most basic level, there are two main choices: Term and Whole Life. Choosing the right life insurance policy is essential for people looking to protect their loved ones and secure their financial future. Two popular options…
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In the state of New York, most for-profit business with payroll employees are required to have Workers’ Compensation Insurance coverage. How can I tell if my company is required? In New York, nearly all employers must provide workers’ compensation insurance for employees, even part-time staff. Certain exemptions apply (see the NY Workers’ Compensation Board). Source: https://www.wcb.ny.gov/content/main/coverage-requirements-wc/for-profit-business.jsp Workers’ Compensation…