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| NYC Business Group
A blanket insurance policy provides coverage to more than one location, type of property, or both. Therefore, instead of buying multiple policies for each item or property, you can buy a single policy to protect your property up to your coverage limit. One example of a blanket insurance policy is a home insurance policy (HO3) because it covers your home and personal property up to a maximum value.
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| NYC Business Group
The main difference between workers' comp and disability insurance is the type of injuries and illnesses they cover. Workers' comp covers injuries and illnesses sustained from workplace accidents or exposures. Therefore, workers' compensation covers an employee's financial needs until medical professionals determine they are fit to work again/return to work. On the other hand, disability insurance pays a portion of your earnings if an injury or illness impedes you from working. Although it is…
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| NYC Business Group
Outdoor events and tradeshows offer numerous business opportunities unavailable in the fall and winter. However, selling goods at a market or event comes at a risk. It is prudent for small business owners to always protect their businesses. Booth events pose unique risks due to the location and involved third parties. The language used in Business Owners Policy (BOP) is fundamental to ensure you are protected from potential liabilities. If the wording is wrong, business owners can end up…
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| NYC Business Group
Condo owners are required to buy a condo insurance policy. Also known as an HO-6 insurance policy, condo insurance is like homeowners’ insurance because it protects the interior of your condo unit and personal items. Also, condo insurance includes personal liability coverage. This type of coverage pays for damages if you are liable for property damage or personal injury. As a condo owner, it is important to check what is covered by your HOA policy because HOA and condo insurance should…
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| NYC Business Group
If you are not receiving Social Security benefits at 65, you will not be enrolled in Medicare automatically. Therefore, if you are over 65 and still working, deciding when to enroll in Medicare depends on your employer's size. The following questions can help you make the right choice:
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