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Cyber Liability Insurance, Employers Practice Liability Insurance, General Liability Insurance, Human Services Practice Group Content, Line of Insurance

Understanding Your Commercial General Liability Insurance Will Absolutely Save Your Business From Financial Ruin

Most businesses who purchase commercial general liability insurance have little understanding of how it’s structured and what is important. Instead they focus on the amount of limits offered per occurrence and the premium being charged for those commercial general liability insurance limits for their comparison when making their purchase decision. We are here to tell … Continue reading Understanding Your Commercial General Liability Insurance Will Absolutely Save Your Business From Financial Ruin →

Commercial Property, General Liability Insurance, Marketplace News, New York, Real Estate Practice Group, Risk Management

Why Property & Liability Insurance Cost So Much for Apartment Buildings , Co-Ops , Condos

Are you wondering why the renewal for your apartment building insurance for your rental building, Co-op or Condo has gone up by north of 20% ? This little primer might help explain why. The Chinese have a proverb, “may you live in interesting times”. If you’re an owner of commercial or residential real estate, especially … Continue reading Why Property & Liability Insurance Cost So Much for Apartment Buildings , Co-Ops , Condos →

MSA/04052021LLC

THIS MASTER SUBSCRIPTION AGREEMENT (the “Agreement”), dated effective as of Customer’s Activation Date, between The Metropolitan Agency, LLC , a New York corporation (“Metropolitan”), and the customer whose name and contact information is set forth on the Customer Subscription Page (“Customer”). BY EXECUTING THE CUSTOMER SIGNATURE PAGE, CUSTOMER AND CUSTOMER’S AUTHORIZED USERS AGREE TO THE … Continue reading MSA/04052021LLC →

Captive, General Liability Insurance, Line of Insurance, Risk Financing, Risk Management, Risk Transfer, Workers Compensation Insurance

Why Current Economic Conditions Are Perfect To Restructure Your Insurance Program

In our opinion, there is no better time to consider alternative risk transfer as a strategy to get more cost-efficient with respect to your current commercial property insurance, commercial liability insurance, workers compensation insurance, & commercial auto insurance. As I write this the country and the world are about to exit the covid pandemic. If … Continue reading Why Current Economic Conditions Are Perfect To Restructure Your Insurance Program →

Captive, Line of Insurance, Practice Groups, Risk Financing, Risk Management, Risk Transfer

Reduce Costs At Scale By Restructuring Your Commercial Insurance Program

Have you ever wondered how utilizing captives, a high deductible insurance program, alternative risk transfer, self-insured retentions, or retrospective rating plans could further reduce your commercial insurance costs off your already low commercial insurance rates? Too often business owners are chasing the wrong rabbit. They think that by purchasing their commercial insurance for less than … Continue reading Reduce Costs At Scale By Restructuring Your Commercial Insurance Program →

Captive, Line of Insurance, Practice Groups, Risk Financing, Risk Management, Risk Transfer

What Is The Cost To Run A Captive Insurance Program?

How much does it cost to start and run a captive insurance company? It’s the most frequent upfront question we get from organizations that are looking at starting their own captive insurance company for their organization. The short answer is zero, but when we tell business this they’re left in shock.  After we walk them … Continue reading What Is The Cost To Run A Captive Insurance Program? →

General Liability Insurance, Risk Financing

What’s The Difference Between a Deductible & Self-Insured Retention In Your Commercial General Liability Policy?

With respect to your commercial general liability insurance policy; choosing between a high deductible or self-insured retention can have a major impact on your competitive position as your business competes on the street. We we want to give you some direction BEFORE you pick the insurance program structure for your commercial general liability policy. Difference … Continue reading What’s The Difference Between a Deductible & Self-Insured Retention In Your Commercial General Liability Policy? →

Cyber Liability Insurance

Risk of a Common Password and Ways to Avoid it (Infographic Inside)

Using a common password leaves your organization at risk for cybercriminals to attack your account. Let’s add password protection as a major component in your organization’s cybersecurity plan.  The risk of a common password is tremendous, and you should avoid having one at all costs. Did you know: 4.7% of users have the password password; … Continue reading Risk of a Common Password and Ways to Avoid it (Infographic Inside) →

General Liability Insurance, HR Challenges, Workers Compensation Insurance

Should We Require Our Employees To Be Vaccinated For Covid 19

Should my company mandate vaccinations?  Like everything Covid related, the answer is complicated. According to employment law attorney  Rich Landau of Jackson Lewis, their tentative position is that requiring employees to be vaccinated for COVID 19 is very difficult to mandate. This is primarily due to EAU (Emergency Use Status) of the vaccine, legal risks … Continue reading Should We Require Our Employees To Be Vaccinated For Covid 19 →