Showing all 11 results

  • Choosing a Health Insurance for Your Business

    Choosing a Health Insurance for Your Business

    As a business owner, it is in your best interest to offer your employees a comprehensive benefits package, but how do you know what works and what doesn’t? Health insurance is a good place to start but there are so many options to choose from.

  • Small Business Insurance Basics

    Small Business Insurance Basics

    No matter what the size is of your business you will need some level of insurance to protect you and your business. For small businesses, insurers often combine a number of insurance policies into a package sold as a single contract. The most common policy for small businesses is the Business Owners Policy (BOP).

  • What is Critical Illness Insurance?

    What is Critical Illness Insurance?

    With health insurance costing more and delivering less these days most people today are experiencing a growing financial burden that they’re ultimately responsible for. As a result, the demand for supplemental health insurance products is growing and Critical Illness insurance is one of those products.

  • Short-Term Disability Insurance Helps Protect Your Paycheck and Lifestyle

    Short-Term Disability Insurance Helps Protect Your Paycheck and Lifestyle

    If you have a job, it is very likely that you will need short term disability insurance. The possibility of a disabling illness or injury may seem remote, but statistics say otherwise. You actually have a three in 10 chance of suffering a disability* that will keep you out of work for 90 days or longer at some point during your working career. And, 90% of disabilities are caused by illnesses not accidents.

  • Long-Term Disability Insurance Works for You

    Long-Term Disability Insurance Works for You

    Most people don’t realize the high risk of becoming permanently or temporarily disabled at some point in their lives. If you were totally disabled and couldn’t work as a result of an illness or injury, do you have the resources today to cover your expenses for weeks, months, or even longer?

  • Group Disability Insurance

    Disability Income Insurance

    Disability Income insurance protects you in the case of loss of income. If you lose your ability to work, either from temporary or permanent disability, a disability claim can be made.

  • Dental Coverage

    Choosing Dental Coverage

    Proper dental care can be an important component of our well being. As with all insurance-related decisions, there are multiple facets that should go into your decision when purchasing coverage for yourself, family, business, or your employees. And, there many types of plans to consider such as a PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.

  • NY State Of Health Small Business Marketplace (SHOP)


    The Small Business Marketplace (SHOP) helps employers offer high quality, affordable health insurance coverage to employees directly from NY State of Health certified Insurers. The Small Business Marketplace (SHOP) is the only place where employers can take advantage of the Small Business Health Care Tax Credit, if eligible.

  • Group and Health Benefits

    Group and Health Benefits

    There are group products available for:

    Life, Auto, Health, Disability and Voluntary Benefits, most of which don’t cost the employer anything to offer to their employees.  Examples are: Dental, Vision, Accident, Cancer, Critical Illness.  Voluntary benefits pay benefits directly to the employee and the monthly cost is paid for directly through an employee payroll deduction.

  • Which Makes Sense for You: Permanent or Term Life Insurance?

    Which Makes Sense for You: Permanent or Term Life Insurance?

    In a very broad sense, there are two types of life insurance:

    • permanent life insurance and
    • term life insurance.
  • Term Life Insurance

    Term Life Insurance

    Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.