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What Type of Insurance Do You Need for Your Restaurant?

Selecting the right type of insurance for your restaurant business is vitally important. You do not want to skimp on having enough protection for your restaurant. Insurance can protect you from many problems such as liability claims and broken equipment. States may require certain restaurant insurance; your bank and mortgage loans may require certain types of insurance as well.

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Are Co-ops Beneficial for Farmers?

Co-operatives (co-ops) are businesses that are owned and ran by its members. Co-ops can be distinguished from other types of businesses because they are member-owned and their singular purpose is to benefit the members. Co-ops are a recognized type of business under State law. Advantages of Agricultural Co-ops There are a myriad of reasons co-ops have become a popular form of organization. These include: ·         Stronger bargaining power in the marketplace ·         Strengthened access to competitive markets ·         Ability to capitalize on new market opportunities ·         Competitive pricing for needed products and services ·         Increased access to revenue pipelines ·         Reduced costs ·  & ...
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Follow these tips to avoid a rejected auto insurance claim

When comparing and considering a New York auto insurance company, many prospective insurance customers wonder how simple it is to place to claims with selected insurers. This curiosity may result from past challenges in submitting claims or experiencing denied claims. Today, we aim to shed a new light on insurance claims and show you how to ensure that your claim will be paid. ·         How roadworthy is your vehicle? A car that has worn-out tires is more likely skid into oncoming vehicles or obstacles in poor weather. The onus is on you, the driver, to ensure that your car is in the best possible driving condition. If not, your auto insurer may not cover your losses. ·         Do you have a valid driver’s license? In most cases, only the claimant who is covered by their auto insurer will receive a payout in the case of an accident. But if that same claimant was a passenger in their own car, which was bein ...
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4 Tips for Success at Work

How is it possible to be successful at work? How do you impress upper management? And still have time to fulfil your personal goals? Whether you are a lawyer, an administrative clerk or a New York home insurance provider, the primary goal is the same: success. We’ve outlined the steps to workplace success below: Embrace Change – Change is all around us. Technology changes, processes change, and attitudes change constantly in the working environment. Only by being open to change will you open the path to success. If you are a manager or CEO at your company, enacting positive change will impact your entire team. Continuous Improvement – Stagnation is not only counterproductive, it’s stressful. Continuous learning (taking short courses, online studies, and internal company seminars) means that you are always improving your skillset, benefiting your organization and your potential future prospects. Become Indispensable – Are you the “go-to” individual at your comp ...
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Announcing Landmark Changes to New York’s Alcoholic Beverage Control Law

In a landmark judgment by various governors, New York’s almost century-old Alcoholic Beverage Control Law will be modernized to better suit retail sales, producers, wineries, breweries, distilleries, and cideries. With all that said, the new regulations will allow for three times the amount of new fully licensed liquor selling and the creation of new establishments.  According to Governor Andrew M. Cuomo, one of the many state representatives who helped to bring the new law into effect, the new Alcoholic Beverage Control Law will “overhaul this state's archaic blue laws and will build upon these ongoing efforts by knocking down artificial barriers for restaurants and small businesses and helping this industry grow even stronger.” In essence, much of the legal red tape that prohibited businesses from selling alcohol will be removed. Assembly Speaker Carl Heastie hopes that the law will “encourage new business development, inspire tourism and open the door for new ventures. ...
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How to Choose the Best Home Insurance in Central New York

If you see the words “home insurance” and your mind suddenly starts wondering, you’re not alone. Selecting home insurance in Central New York is an incredibly important yet complicated decision to make, and for many, deciding which type of home insurance coverage to acquire can be stressful. Here are helpful suggestions that will take the stress out of choosing the right home insurance coverage for you. Average Costs for Homeowner’s Insurance  The average annual cost for homeowner’s insurance in all of New York State is $1,130. (ValuePenguin, 2016)  There are, of course, hundreds of variables that are factored in to determine the cost of coverage, but keep these numbers in mind when receiving quotes. Factors that influence the price of your homeowner’s insurance include: • Crime rate in your area • House size • General condition of your home • Homeowner’s credit score • Previous claims Coverage Types  Guaranteed r ...
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Successful vs Unsuccessful People

Are you a successful person? If not, which traits do you require in order to become the most successful version of yourself? Those inquiring about insurance for Madison New York are individuals who want to protect themselves and their assets – this is one of the important traits forward-thinking people possess and a fine indicator for someone who plans to achieve in their life. With all of this in mind, we’ve located an excellent infographic that shows you what traits the most successful people have. Don’t be worried if you have some traits from the “unsuccessful” section as even the greatest business moguls (such as Steven Jobs and Warren Buffet) would occasionally be angry and unsure of which direction their business was headed in. Our advice is this: no-one is perfect and even billionaires who’ve built their business empires around solid investments would occasionally fear change and criticize others. Sadly, it is part of human nature to doubt ourselves. As long as mos ...
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Is Your New York Home Insured for Hurricane Season?

  Hurricane season is approaching; now is the time to consider, or at the very least, recheck your homeowner’s insurance in New York. The season has officially begun and with it comes thousands of claims by those who will be affected by these literal home-wrecking metrological disasters. Ensure that your homeowners insurance in New York is up to date, as the deductible alone can be $500 to $2500. Our advice: contact your insurer today and ascertain as much as possible about your homeowner’s insurance policy. It works as such: your NY based insurer will specify (once they have discussed the options with you) an Insurance Trigger. This is essentially a condition like a named hurricane (one that is officially announced on the news) that is covered under extremely specific circumstances. For many of these insurance policies, these triggers are also tied to time periods, such from June to November, the typical monthly length of hurricane season. Many insurance policies will have a wind, floor ...
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US DOL Releases Overtime Rule - See How It Affects Your Business

Yesterday the US Department of Labor (US DOL) released their overtime ruling.  This has been highly anticipated for the past several months and is now final. President Obama directed the DOL to update and modernize the regulations governing the exemption for certain employees from the minimum wage and overtime pay protections of the Fair Labor Standards Act (FLSA) back in 2014.  A preliminary rule was released in July 2015 and hundreds of thousands of comments were received which lead to this final version released yesterday. Following are the key provisions of the final rule: The Final Rule focuses primarily on updating the salary and compensation levels needed for EAP workers to be exempt. Specifically, the Final Rule: 1.Sets the standard salary level at the 40th percentile of earnings of full-time salaried workers in the lowest-wage Census Region, currently the South, which is $913 per week or $47,476 annually for a full-year worker; 2.Sets the total annual compensation requirement for highly ...
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NYS "Have A Plan" Mobile App Released

The New York State Governors Traffic Safety Committee and the NYS STOP-DWI Foundation are proud to release our brand new Have A Plan mobile app.  This app provides you with timely and convenient resource that enables you to locate and call a taxi service, program a designated-driver list, educate yourself on Blood Alcohol Content levels  as well as information on DWI laws and penalties or even report a suspected impaired driver.

The app is available for Apple, Droid, and Windows smart phones. To download the app, simply visitwww.stopdwi.org/mobileappusing the phone you want to download the app to and click on the link to the store of your operating system.

StopDWI Have a Plan 15HD from STOP-DWI New York on Vimeo.

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