Practice Groups Archives - Metropolitan Risk Advisory

The Lethal Flaw Contained in The Professional Liability Insurance for Home Healthcare Agencies

Over the years we have seen, the mistakes home healthcare agencies make when they purchase their home healthcare agency liability insurance, their professional liability insurance for home healthcare, agencies and workers compensation to protect…

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…

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

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

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…

captive insurances man holding insurance

Reduce Costs At Scale By Restructuring Your Commercial Insurance Program

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

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…

What Is The Cost To Run A Captive Insurance Program?

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

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…

Construction Manager Vs. General Contractor- What Is The Difference?

Construction Practice Group Content, General Liability Insurance, Workers Compensation Insurance

Your operations are as a General Contractor, but the contract you are looking to enter (or have entered) references to your organization as a Construction Manager. Is there an issue here? Although at first glance you may see similarities…

A Fireside Chat with A Claims Adjuster

Claims Management, Commercial Auto, Construction Practice Group Content, Food & Beverage Practice Group Content, General Liability Insurance, Human Services Practice Group Content, Interview, Other, Risk Management, Transportation Practice Group Content, Workers Compensation Insurance, Workers Compensation Premium Audits

Our Claims Advocacy Team got to sit down with a workers’ compensation claims professional who specializes in high exposure claims. They discussed a high exposure claim that wasn’t reported timely to the carrier after the incident occurred. Please…

Protecting Your Workforce From Winter Related Illness

Claims Management, Construction Practice Group Content, Line of Insurance, Risk Management, Workers Compensation Insurance

Winter weather creates new challenges for employers trying to protect their employees from work-related accidents. Snow and Ice. How are you protecting your employees from potential slip and fall incidents related to snow and ice? According…

New York State's Updated Sick Leave Law

Construction Practice Group Content, Food & Beverage Practice Group Content, HR Challenges, Human Services Practice Group Content, New York, Risk Management, State Law, Transportation Practice Group Content, Workers Compensation Insurance, Workers Compensation Premium Audits

New York State’s Paid Sick Leave policies were introduced on April 3, 2020, and went into effect on Sept. 30, 2020. On January 1, 2021, employees may start using their accrued leave. The number of sick leave hours required is based on…