premier risk

25
Aug

A Quick Guide to Machinery Breakdown Insurance

As the name implies, machinery breakdown insurance pays for the repair and replacement of machines as well as the financial losses incurred in case of a breakdown. For instance, if a power surge damages your computers halting business operations for one week, this policy will reimburse you the income lost during this time as well as cover the costs of

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11
Aug

Products-Completed Operations Coverage Explained

As a business owner, you are exposed to multiple risks. Having the right policies in place can prevent legal action from occurring. If you sell different products, you need to know about products-completed operations insurance. This policy contains unique features compared to basic liability coverage. Product liability coverage protects your business if you are sued by someone because they believe

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21
Jul

8 Critical Steps to Consider When Buying Life Insurance in NY

Many New Yorkers with life insurance draw appreciable peace of mind from taking out this policy on their loved ones. The protections are worth the investment, but it’s important that you select the right coverage type for your unique needs. As you shop for life insurance in NY, here are important factors to keep in mind. #1. Do You Need

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14
Jul

Business Insurance in NY: Your Ultimate Guide

Small and medium-sized enterprises account for more than 95% of all businesses in New York (NY). Similar to other businesses across the U.S., these businesses face myriad challenges, including, among others, inadequate funding, natural disasters, cyber threats, theft, lawsuits, third-party claims, and bodily injuries. This means that businesses operating in NY should carry the right business insurance coverage. Here’s a

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2
Jul

Top Benefits of Life Insurance for Women

Believe it or not, but fewer women than men have life insurance. Not only that, but the death benefit is also well below that of men – about 22 percent less. Yet, women have become increasingly dominant players in today’s American workforce. Some women are the sole breadwinners for their families and, as such, are looking for financial security from life

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17
Jun

How Much Umbrella Insurance Coverage Do I Need?

In today’s world, having insurance is important to protect yourself from unforeseen damages and losses. In fact, it is mandatory in most states to protect your home, car, or other assets. The problem is, many people only have an insurance policy that meets the state’s minimum requirements. While it protects the policyholder, it does little to pay for the total

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3
Jun

What to Do If Damages from a Car Accident Exceed Your Insurance Limits

Car accidents can cause result in significant damages. In some cases, the cost of that damage may exceed the limits of a person’s auto insurance coverage. When this happens, you may be left paying for any amount that is not covered. This can include both auto repairs, property damage, or medical expenses. Understanding your rights and the available legal options

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20
May

An In-depth Look at the Pros and Cons of Different Types of Life Insurance

Is Life Insurance Worth It? Life insurance in NYC can be used to pay off final expenses, eliminate outstanding debts, or even cover daily expenses, depending on the kind of policy you select. The question of whether purchasing life insurance is a smart decision and investment or not depends on what kind of coverage you need and what you want

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6
May

Understanding the Difference Between Condo Insurance and Co-op Insurance

Condominium (condo) and cooperative apartment (co-op) insurance are quite different and more complicated than homeowner insurance. Let’s take a look at how condo and co-op insurance works, how it relates to association policy, and the responsibilities required of you in the event of a claim. What You Need to Know About Condo and Co-op Insurance Owning a condo in NYC

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