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certificate of insurance Archives - Horan Companies - CNY Insurance Agency

Homeowners InsurancePersonal Insurance

Is your landscaper or that deck builder insured? Does it Matter?

When others do work at your house, should they be insured? As the summer months come upon us, contracting season goes into full bloom.  New patios and decks or weekly grass cutting bring contractors to your doorstep. They provide estimates, plans, ideas, and more. What about insurance? What is said about that? Is it on your list of things to ask about? It needs to be. What's the risk? Home Ownership 101. What happens on your property is your responsibility. That's right...yours and yours alone. Just because someone has fancy graphics on a truck or a business card, does not…
May 14, 2018
General TopicsInsurance Terms

What is a certificate of insurance?

Question 38 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/ZdibS5_zCuQ If you own a business or hire businesses/individuals to do work for you in New York State, then you'll want to get familiar with insurance certificates. These are the proof that coverage is in place, with one caveat. Watch the video to see what that is and how a certificate can work for you.
September 13, 2017
General Topics

Is there a way to verify that a contractor is currently insured?

Question 18 in 100 Insurance Questions in 100 Days https://youtu.be/9i5xL_FLQB0 When hiring a contractor, one of the 1st things you should ask is: "Are you insured?" If they say yes, ask for proof (watch the video to see what to ask for). If they say no - well that next step is up to you. Just know that as a property owner, you are liable for what happens in your home. If one of their employees gets hurt, you would be on the hook if an insurance policy was not in force. As the owner of the property you are…
August 24, 2017
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