How much have you saved for a rainy day? What about a rainy few months,
or even years? That’s how long you can be without earned income if you
suffer a serious workplace injury.
Being a sole trader can have plenty of positives, like not having to share profits, being able to work alone, being your own boss and not having to rely on others to get your work completed. One negative consequence is that if you become sick or injured and unable to work your business could easily fail as a result. That’s why it’s important to ensure you have the right NY state disability insurance in place.
New businesses in the ‘Big Apple’ can often find it hard finding their feet and getting establishing. With so many competitors, and such a big market, many businesses fail to see out their first year and newcomers to the business world should do as much research and planning as possible - including organizing commercial insurance. NY can be a tough place to run a successful business and thorough planning before you start is essential.
Business owners who take out commercial insurance are often looking for protection from the effects of major community disasters. While commercial insurance protects an enterprise from the cost of an event like a severe storm that affects a community or a whole region, minor accidents and mishaps affecting a single business tend to be the reason for many claims on commercial insurance NY policies.
As a parent, one of our biggest worries starts when our kids turn 16 and obtain their learner's permit ;their first steps to becoming a licensed driver. Not only do we worry for their safely, but how this new development will affect our pocketbook when they are added to our auto policies. There is no getting around the fact that young teenage drivers are expensive to insure. However, there are steps you can take to minimize this cost as much as possible:
