Premier Risk LLC

One of the main types of business insurance for companies that own real estate is commercial property insurance. You need this insurance to protect your investment from natural disasters, theft, and burglary. Use this commercial property insurance guide to help gain a better understanding of this coverage. What Is Commercial Property Insurance? A business that owns commercial property needs insurance

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The standard renters insurance typically excludes flood damage caused by weather events. For instance, if, due to heavy rains, a nearby river bursts its banks, flooding your rented property and damaging your possessions, renters insurance in New York will not cover that. In such a situation, a separate flood insurance coverage would come in handy. Aside from weather-related flood damage,

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Just like other states, motorcycle accidents in NY that cause injury to passengers or pedestrians can attract substantial bodily injury claims against the rider. Even when such a crash doesn’t injure any third party, there is always the risk of crashing into another car or building, exposing you, the rider, to property damage claims. Here’s how you can maximize your

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All employers in New York State, including independent contractors, are required to carry workers’ compensation insurance. The policy can come from the New York State Insurance Fund, self-insurance, or a private insurance carrier. While self-insurance is an option, it is uncommon. While getting permits, a business must show proof of workers’ comp. However, they can be exempt in some clearly

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Through its various unemployment insurance programs, the US Department of Labor provides unemployment benefits to eligible unemployed workers for up to 26 weeks. These benefits help laid-off workers get by during difficult economic times and keep the economy running amid recessions. For instance, as of June 2020, an estimated 7.7 million Americans had lost their jobs due to the pandemic-induced

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If you’ve ever considered buying a modular home in New York, you may wonder if you can protect it with a standard homeowners’ insurance plan. The answer is yes since many insurance companies don’t differentiate between a modular and conventional home. Nonetheless, there may be differences in risks. Here’s what you need to know about modular or mobile home insurance

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As an employer, one of your priorities should be to keep your employees safe and reduce your workers’ compensation costs. A safe work environment will allow your employees to focus on their work and be as productive as possible at all times. It also proves that you have their best interests in mind and will do what needs to be

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According to the U.S. Small Business Administration, about 17 percent of businesses must carry workers’ compensation due to hiring at least one employee. Coverage can be customized to reflect your company size and workplace risks. Today, more than ever, it is important for businesses to let employees know that you care about their well-being. Here’s a quick guide to getting

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Homeowners’ insurance is capable of helping you secure the financial investment you have made in your home or condo. By paying monthly (or yearly) premiums, you are guaranteed to be reimbursed for any damages to your property that fall within the limits of your policy. Homeowners’ insurance will also cover any liability payouts that may be filed. Liability coverage will

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