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An Introduction to New York State Bonding Requirements
Getting a New York surety bond guarantees that work will be completed as per the contract terms. It also guarantees payment for services and materials supplied. Having such an assurance protects your business and provides peace of mind to everyone involved. Here’s a look at surety bonds that may be required for certain businesses or contractors in New York. Types
All You Need to Know about Health Insurance Costs
A health insurance policy helps take the edge off of your medical expenses. There are several different types of health insurance costs that you need to be aware of. Premiums and deductibles are your out-of-pocket costs. A premium is what you will pay each month to keep your policy in place. A deductible is the amount of money you pay
The Importance of Insuring Your Roof
Having a strong roof is an important part of your home insurance policy. If your roof experiences damage, things can get costly very quickly. That’s why it is important to have the right coverage for your roof. As you research homeowners insurance in Nassau County, NY, keep in mind the complications of filing a roof insurance claim. Replacing a roof
Do You Need Insurance for a Shared Space?
Working in a shared office space is efficient, but it comes with unique challenges. Insurance provides a safety net against potential risks. Here is a look at why you need commercial property insurance for your shared space. If you are operating your business out of a coworking space, commercial property insurance protects your business against possible risks. Without insurance, you
Check Your Car Insurance Before You Take Another Trip
Having car insurance is essential if you plan on driving your car. If you go on a road trip, you may also want to purchase a personal insurance policy that will protect you if an accident occurs. A personal insurance policy will protect you over and above your traditional car insurance coverage. No matter where you go on your trip,
Workers’ Comp Fraud: What Is It & How to Avoid It
Workers’ compensation is a valuable resource for employees who are injured while on the job. However, workers’ comp fraud can make it difficult for those who really need assistance to get it. As a company, it is your responsibility to reduce your risk of workers’ comp fraud. There are several ways to protect your company and your employees from the
A Beginner’s Guide to Commercial Real Estate Loans in NY
Exploring commercial real estate (CRE) opens the door to unique investment opportunities. The key to building such assets is to begin with a commercial real estate loan. From there, you can acquire property and develop a commercial real estate portfolio. As long as you apply appropriate risk management strategies, you can build a compelling and diverse portfolio that leads to
Understanding Life Insurance for Key Employees
Valuable employees are an asset you can’t afford to lose. Keeping your most talented employees may mean offering them incentives that will help them achieve their own financial goals. This is often accomplished by purchasing life insurance policies that will benefit both you and your employees throughout their employment. Before choosing a life insurance policy for your key employees, you
Why You Should Prepare a Will, Trust, or Estate Plan
An estate plan is worth having if you have assets that you want to be distributed to your heirs after your demise. You can use a living trust, will, or both to declare how you wish to have your wealth passed to your spouse, kids, or loved ones when you die. When a parent or breadwinner dies without an estate
How to Choose a Business Loan in Nassau County, NY
Business loans can prove to be useful in numerous ways, from paying bills to investing in new technology. When the economy moves into periods of uncertainty, it’s important to maintain either a credit line or have access to lending options. If you need to pay a commercial mortgage in Nassau County, NY, or apply for a traditional small business loan,
