• Important Insurance Coverage for Volunteer First Responders

    Organizations with volunteer first responders have a lot of unique risks. Here are our expert’s tips for making sure your organization is properly insured. By Kelsey Ryan, AINS Volunteer first responders keep our communities safe. Day or night, they are ready to protect, rescue and serve their neighbors. But when the alarm goes off and […]

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    How to Lower Your Workers’ Compensation with a PAP Credit and Payroll Limitation

    PAP Credits and Payroll Limitations are strategies you can use to minimize your workers’ compensation costs. By Brett Findlay Workers’ compensation, one of a contractor’s largest single insurance-related costs, can be a critical component in bid competitiveness, project eligibility and general profitability. I often speak with contractors who don’t believe they can control their workers’ […]

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    How to Make the Most of Your High Deductible Health Plan (HDHP)

    Explore the benefits of this low-premium plan option. By Rachael Rotella Qualified High Deductible Health Plans (HDHPs) are becoming more and more popular amongst employers of all sizes each year. While many are fearful of the thought of a “high deductible,” it is important to understand the opportunities these plans offer. Not only do qualified […]

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    20 Insurance Tips You’ll Need in 2020

    We asked 20 of our team members what you needed to know about your insurance this year. Here’s what they said. Read your policy and coverage forms. Make sure what you ASKED for on your policy is there. – Alaina Anthony, Assistant Client Advisor Take a video of each room of the house (including the […]

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    Winter Home Safety Tips

    There are several steps all homeowners should take to keep their homes safe and protected this winter. Use these three tips to keep your home and guests safe during the winter season. By Mary Fontana Temperatures have dropped and snow accumulation has risen – it’s time to winterize your home. Living in the northeast means […]

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    The Opioid Crisis and Your Workplace

    The opioid epidemic is affecting more than you may realize. Here’s what employers can do to keep their employees safe. By Bethany Bourgault No one wants to find out that one of their employees overdosed. Certainly no one wants to find out it was on an opioid they were prescribed during a workers’ compensation claim. […]

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    Discrimination Law Updates

    What you need to know about the new Equal Pay addendums By Kelly Goodsell, AIC The New York Senate passed a set of bills to ensure equal pay for women and employees in “protected classes.” The bills are intended to ensure all employees receive equal pay for equal work and prohibit salary history inquiries (thereby […]

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    Holes in your Umbrella

    What it means if your umbrella policy is limited by another policy’s sublimit By Douglas Cook, CIC, CPA If any of your liability policies have a sublimit on them, your umbrella may not cover as much as you thought. It is important to work with your agent to understand all limits and exclusions on the […]

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    School Districts, Blanket Limits, and Margin Clauses | Making sense of your district’s insurance plan

    Do you know how your properties will be covered? By Douglas Cook, CIC, CPA For the average business, property coverage can be relatively straightforward. For a school district with multiple properties, there are a few more factors and options to consider. With standard property coverage, our clients can insure their buildings for the amount they […]

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    Volunteers and Workers’ Compensation | When it Applies and Why it Matters

    Are your volunteers covered by your workers’ compensation policy or a separate volunteer policy? The difference affects more than you might think. By Dan Conley Back to school time is here! Among the teachers and students busying themselves with back to school activities and planning, you’ll find armies of volunteers lending their time and talents […]

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