NYC Business Group Insurance Blog

Wednesday, December 10, 2025 | NYC Business Group

What New York Contractors Need to Know About Action-Over Exclusions

Action-Over Exclusions: What New York Contractors Must Know Before Their Next Job For contractors in New York, insurance can feel like a maze — especially when it comes to something called an action-over exclusion. It’s one of the most misunderstood parts of a commercial general liability (CGL) policy, and it can expose your business to enormous financial risk if you’re not careful. At NYC Business Group, we want to make sure contractors understand exactly what this exclusion means,…

Tuesday, November 11, 2025 | NYC Business Group

Medicare’s Annual Enrollment Period is Here; Let’s Make Sure You’re Covered Right

Every year, there’s one important window when you can review your Medicare coverage and make changes. That time is called Annual Enrollment Period (AEP), and it runs from October 15 to December 7.During this time, you can:● Switch from Original Medicare to a Medicare Advantage plan, or the other way around● Change your Medicare Advantage or prescription drug (Part D) plan● Add or drop coverage that better fits your needs for the coming yearIt’s a big decision, and the rules and costs…

Tuesday, September 23, 2025 | NYC Business Group

What Is a Subcontractor in Insurance — and Why It Matters for Your Liability Coverage in New York

If you’re a contractor working in New York City or anywhere in the state, chances are you hire subcontractors for specific tasks like electrical, roofing, plumbing, or masonry work. But did you know that using subcontractors without properly managing your insurance can lead to denied claims, audits, or even lawsuits?Here’s what every contractor needs to know about subcontractors, insurance liability, and why New York’s strict labor laws make proper coverage absolutely critical.

Thursday, September 18, 2025 | NYC Business Group

Why Landlord Insurance Is More Expensive Than Homeowners Insurance (And What You Can Do About It)

If you own a rental property or you're considering becoming a landlord, one of the first things you'll need to budget for is landlord insurance. You may have already discovered something surprising: insurance for a rental property is significantly more expensive than standard homeowners insurance. But why is that the case? In this post, we’ll explore exactly why landlord insurance costs more, break down the key differences between landlord and homeowners insurance, and give you some practical…

Thursday, September 11, 2025 | NYC Business Group

Why eCommerce Business Insurance Is Essential for Your Online Store

Running an online business offers flexibility, scalability, and global reach—but it also comes with unique risks. From cyber threats to product liability claims, your digital storefront needs protection just like any physical business would. That’s where eCommerce business insurance comes in. Whether you're selling physical products, digital downloads, or subscription services, having the right insurance for your online business is a crucial part of long-term success.

NYCBG Insurance Blog

What New York Contractors Need to Know About Action-Over Exclusions

Medicare’s Annual Enrollment Period is Here; Let’s Make Sure You’re Covered Right

What Is a Subcontractor in Insurance — and Why It Matters for Your Liability Coverage in New York

Why Landlord Insurance Is More Expensive Than Homeowners Insurance (And What You Can Do About It)

Why eCommerce Business Insurance Is Essential for Your Online Store

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