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If you are a one-person shop, you don’t have to be concerned about employees. You probably want to grow and take on bigger projects, but until you do, enjoy the luxury of not having to supervise anyone else, or worry whether they will sue you. If you already have employees, Employment Practices Liability Insurance can […]

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D&O insurance is not an insurance policy required by New York State law. However, it’s usually required by investors or other board members. Regardless of who’s requiring or asking you to purchase, D&O insurance is critical to your insurance stack. D&O is one of the few insurance policies that actually protect the company decision-makers, which […]

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A friend of ours who is employed by a local organization decided to start a side business out of his home. He worked on his extra job during nights and weekends, providing consulting services from his kitchen table. He admits the revenue will never cause him to quit his full-time job, but it provides a […]

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You are unlikely to cause an accident at your home or with your car, and even less likely to get sued for it. But if you are sued, and you lose big, that’s when you want personal umbrella policy to cover your liability. Your homeowners, rental and vehicle insurance probably include a minimum amount of […]

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The covid-19 pandemic has people talking about insurance. For those of us in the business, it’s a wonderful thing. We love talking to business people and homeowners about how they can best protect themselves against disaster. One of the most-discussed topics lately has been business interruption insurance. Today, we all know someone whose business has […]

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