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sub contractor 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
Business InsuranceWorkers Compensation

Do I need to list non W2 employees on a New York Workers Compensation policy?

Question 78 in 100 Insurance Questions in 100 Days Video Series? https://youtu.be/YVCCAMaWYiw As a business owner, having to figure out who to put on a workers compensation policy and who not to, is probably not your idea of a good time. However, in New York state we have some rules (surprise) and those rules say that if you are paying someone, they'd better be listed. The cleaner of your office, the person you hired for social media, the outside sales person, and more, could end up needing to be accounted for. See this brief video explanation for more.
October 23, 2017