Spooky Business Insurance Risk: ADA Lawsuits

Posted by John Cofini on Tue, Oct 21, 2014 @ 05:18 PM

Are you ready for the season of ghosts and goblins? As a business owner, you don’t have to wait for Halloween to roll around to find things that go bump in the night. You deal with spooky risks all year round. And there’s a growing and particularly ghoulish risk you need to be on the lookout for: ADA lawsuits.

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Tags: business insurance, new york business insurance, New York risk management, ADA lawsuits

Risk Management Reminders: How to Celebrate Safely on July 4

Posted by John Cofini on Tue, Jul 01, 2014 @ 02:16 PM

If you’re like most people, planning your 4th of July celebration revolves around things like barbecues, fireworks, and parades – not risk assessment. But given the statistics on the dangers of the holiday, it might be a good idea to include a little risk management in your holiday planning this year.

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Tags: New York risk management, New Jersey risk management, independence day safety, july 4 safety

New York Slip and Fall Liability: As Slippery as Winter Conditions

Posted by John Cofini on Tue, Jan 21, 2014 @ 09:00 AM

2014 has been a brutal one-two punch of winter. The infamous “polar vortex” and subsequent nor’easter brought subzero Arctic air, heavy snow, blizzards, travel disruptions, and winter headaches to tens of millions of people in more than 20 states.

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Tags: new york business insurance, New York risk management, New York slip and fall liability, New York liability, New York business risk, liability insurance

New York summertime hires – the perks and the pitfalls

Posted by John Cofini on Tue, Jun 25, 2013 @ 03:03 PM

With school officially out and summertime in full swing, roughly 8 million new potential employees are entering the workforce. Who are they? Where are they coming from?

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Tags: new york business insurance, New York risk management, New York hiring strategies, New York Business Exposures

Slash your New York business insurance costs with these non-insurance strategies

Posted by John Cofini on Tue, Feb 12, 2013 @ 05:24 PM

Your New York business insurance coverage is one of your biggest budget items, and one of the surest ways to reduce your insurance costs is to reduce the cost of your risk. After all, the better you manage your risk, the better risk you are for your business insurance provider.

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Tags: new york business insurance, New York risk management, New York workers’ compensation, new york business insurance coverage, New York risk assessment

How to “play” the New York business insurance market – without losing your shirt

Posted by John Cofini on Tue, Jan 29, 2013 @ 02:13 PM

We all know stories of people who are infatuated with playing the stock market. Lured by the hope of quick riches, they invest with little regard for risk as if the market were a slot machine in Vegas. It’s a game for amateur investors, and they usually end up losing their shirts.

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Tags: business insurance, new york business insurance, New York risk management, New York business insurance expert, hard business insurance market, New York business insurance quote

Can You Afford to Cut Umbrella Coverage From Your Business Insurance?

Posted by John Cofini on Tue, Aug 21, 2012 @ 11:47 PM

In this lagging economy, many businesses in New Jersey and New York are constantly struggling to cut costs, and business insurance premiums are one expense that’s coming under greater scrutiny. In a recent trend, some businesses are choosing to lower the limits on their excess liability or umbrella coverage, or drop the coverage altogether. Believing they could never have a claim that would trigger the excess policy or penetrate the umbrella coverage, they’ve decided this is an expense they can do without.

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Tags: business insurance, new york business insurance, New York risk management, excess liability, umbrella coverage, umbrella liability