What is covered by a commercial general liability insurance policy? A Commercial General Liability (CGL) insurance policy is designed to protect businesses from a variety of risks…
How is a business owner's policy (BOP) different from general liability? A Business Owner's Policy (BOP) and General Liability Insurance (GL) are two types of insurance policies…
What is New York State short-term disability insurance? New York State Short-Term Disability Insurance (NY-DBL) is a mandatory insurance program that provides partial wage replacement benefits to…
Do I need long-term disability income insurance? In today's world, where unforeseen circumstances can disrupt our lives in an instant, safeguarding our financial well-being is paramount. Long-term…
Does long-term care insurance cover nursing home costs? Long-term care insurance is a type of insurance designed to provide coverage for the costs associated with long-term care…
What is employer liability on a workers' compensation policy? Employer liability in a workers' compensation policy refers to the legal responsibility of an employer to provide benefits…
Do I need to cover independent contractors for workers compensation? Whether you need to cover independent contractors for workers' compensation depends on various factors, including the laws…
When do I need workers compensation for my employees? Workers' compensation requirements vary depending on the jurisdiction and the specific circumstances of your business. However, in general,…
How does pay-as-you-go workers compensation help my business? Pay-as-you-go workers' compensation is a method of paying for workers' compensation insurance based on actual payroll expenses. Instead of…
Can an employee sue my business if I have workers compensation? Workers' compensation insurance is designed to protect both employers and employees in the event of a…