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Review our frequently asked insurance questions and answers below. If you have a question that are not listed, feel free to contact us. One of our certified representatives will be more than happy to assist you with any of your insurance needs.


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Business income coverage is not necessary for every business. However, if you decide to not purchase this coverage, it’s important to understand what you will not have coverage for in the case of a loss.

Business income provides reimbursement for lost revenue after a covered insurance loss. For a company that does not have a physical address that is crucial to its business, such as a contractor, business income is probably not necessary. For store front or main street businesses, like a coffee shop, business income is a must.

Comprehensive physical damage coverage (also known as “comp coverage” or “other than collision coverage”) is an added coverage to your auto insurance policy that covers damage to your vehicle. Comprehensive physical damage coverage covers a loss from risks other than a collision including but not limited to hitting a deer, fall objects, water damage, fire, lightning, wind, vandalism and can also include glass coverage. Remember that you must add comprehensive physical damage coverage to your auto insurance policy because it is not part of a basic insurance policy.

Renter insurance is an insurance policy built to suit the needs of individuals and families who do not own the property they live in. In many ways a renter insurance policy is similar to a homeowner insurance policy except the building coverage has been removed. However, there is still coverage for personal property and personal liability among other important coverages. For the amount of insurance contained within a renter insurance policy the cost is very minimal not to mention with most insurance carriers you get the same multi-policy discount on your auto insurance as you do with a homeowner insurance policy.

Workers compensation insurance was created to guarantee employees medical benefits in the event of work related injury. In exchange for that guarantee, employees lose the ability to sue their employer. However, that may be the intent of the workers compensation insurance but it is still possible for an employee to sue. It doesn’t necessarily mean that the employer was negligent. In the event an employee does sue and is awarded additional benefit above the standard workers comp benefit, workers comp insurance policies in New York State contain employer liability coverage which will respond.