Which New York Businesses Are Required to Have Worker’s Comp Insurance?

Posted on March 28, 2025March 20, 2025 by admin

Workers’ compensation insurance is crucial for most businesses in New York. It covers expenses incurred after an employee has an accident. Most companies in the state are required to have this insurance, though there are some exceptions. Contact us at Access Legacy Insurance Group in Brooklyn, NY, for more information.

Exceptions to the Requirement

If a business is solely owned by one or two people who own the entire business and have no other employees, it is not legally required to have workers’ comp insurance. However, workers’ comp would be required if such a business has employees other than the owners. A sole proprietorship doesn’t have to have this insurance, but if a single owner hires anyone, the insurance would be required.

Understanding Employee Classification

If you work with independent contractors, you generally are not required to have workers’ comp insurance for them. However, it’s crucial to correctly classify workers to avoid illegally labeling an employee as a contractor. Understand the differences between employees and contractors to ensure correct classification. If someone legally must be labeled as an employee, a workers’ comp policy must be in place for the duration of their employment.

Securing Workers’ Comp Insurance in Brooklyn

Workers’ comp policies cover medical bills and other necessary expenses after an employee has a work accident. These expenses can include medical bills, legal costs, lost wages, and more. Protecting your business against potentially enormous costs following an accident is essential. To get started with a policy to safeguard your business, contact us at Access Legacy Insurance Group in Brooklyn, NY.

When To Review Your Renters Insurance Coverage

Posted on February 28, 2025February 20, 2025 by admin

If you’re a renter, you might assume that your landlord’s insurance will cover your losses in the event of damage. However, this is not the case for your personal belongings. Renters insurance is designed to mitigate the financial impact of a damaging event, ensuring you don’t bear the full cost of replacing your items. We can guide you to the right coverage for your insurance needs at Access Legacy Insurance Group in Brooklyn, NY.

What Renters Insurance Typically Covers

Renters insurance covers items such as furniture, clothing, jewelry, household goods, and kitchen appliances. It also covers sports equipment like bikes and electronic equipment, up to a certain limit. You can opt for coverage for either actual or replacement value, influencing your premium cost. Liability coverage is also included to cover incidents where someone gets injured in your apartment. Living expense coverage assists with alternative housing costs if your property becomes uninhabitable due to a damaging event.

When Additional Coverage May Be Necessary

If you’ve recently purchased expensive sports or computer equipment, you might want to consider additional coverage beyond the limit of your standard policy. Renters insurance does not cover damage from external water sources, so you might want to consider flood insurance for additional coverage if your area is prone to flooding. The same applies to those living in earthquake-prone areas. Damage from earthquakes is not covered in the standard renter’s policy so that an additional earthquake policy can provide more financial protection.

Choose Access Legacy Insurance Group for Your Renter’s Insurance Needs

Our agents can provide detailed, understandable information to help you make the right decisions for your needs. We offer home, auto, boat, motorcycle, condominium, and business insurance. Contact Access Legacy Insurance Group in Brooklyn, NY, today for a no-obligation quote on renters insurance, which can help protect your valuables.

Does My Homeowners Insurance Cover a Boat Stored in My Garage or Driveway or Do I Need Boat Insurance?

Posted on January 24, 2025January 22, 2025 by admin

If you own a boat, you’ve likely considered how to protect it when it’s not in use on the water. Many boat owners question whether their homeowner’s insurance will cover a boat stored in their garage or driveway. This is a common query, and at Access Legacy Insurance Group in Brooklyn, NY, we’re here to provide clarity so you can make the best decision about your coverage.

The Limitations of Homeowners Insurance

While homeowners insurance provides excellent protection for your home and personal belongings, its coverage for boats is typically quite limited. In many cases, homeowners policies only cover small boats, such as canoes or rowboats, and even then, the coverage is minimal. If your policy does include boat coverage, it’s often restricted to damage caused by specific events, such as fire or theft, and may not cover liability or larger damages. Additionally, if your boat is stored outside in your driveway, your policy could further limit coverage.

The Importance of Boat Insurance

Boat insurance is specifically designed to cover the unique risks of boat ownership. This includes damage to your boat, liability protection if you cause injury or property damage while operating it, and coverage for theft or vandalism, whether the boat is stored at home or elsewhere. Boat insurance ensures you’re protected on and off the water, giving you peace of mind no matter your boat is location.

Securing the Right Coverage

If you’re unsure whether your boat is fully protected, it’s time to explore your options. Contact Access Legacy Insurance Group in Brooklyn, NY, today, and let us help you find the right boat insurance policy to protect your investment.

You Don’t Have to Be Near Water to Need Flood Insurance

Posted on December 23, 2024December 19, 2024 by admin

People living away from bodies of water typically don’t expect flood insurance. Still, then excessive rain ends up soaking their property and leaving them in the lurch because their homeowner’s insurance won’t cover the damage. It is imperative that, if you own property, you contact your insurance agent to find out what your homeowner’s policy covers. Once you find out what water damage and flood examples would not be covered, you need to call Access Legacy Insurance Group in Brooklyn, NY, to discuss flood insurance.

Floods Can Occur Anywhere, Not Just Near Seas and Rivers

Flooding can happen for several reasons, but people tend to think of coastlines, rivers, lakes, and so on when they hear about flooding. They think their homeowner’s insurance will be enough to cover the remainder of the potential flooding causes. That’s not the case. Take a look at people in Asheville and other North Carolina towns that were flooded after Hurricane Helene. These towns were nowhere near the coast and were at higher elevations than people normally evacuated to when faced with storm surges. However, the storm caused massive runoff that led to floods in the area, and people were caught without insurance coverage for the flooding.

As a homeowner, you have to be aware and ready for anything. That includes floods from rainstorms that stall over your area or water main breaks on the outside that send water flowing into your living room. And to be prepared for those, you need flood insurance. Contact an agency like Access Legacy Insurance Group in Brooklyn, NY, to find out more about coverage.

When to Lawyer Up After an Auto Accident

Posted on November 25, 2024November 20, 2024 by admin

When you get in an auto accident, the first person you call is, of course, 911. They’ll send police and an ambulance over immediately to assess the damage, make reports, and get someone medical care if they need it. If you have any friends or family who would worry about you, you should call and let them know what’s going on. Once that’s out of the way, it’s time to contact your lawyer. The sooner, the better.

Get a Lawyer as Soon as Possible

The insurance company of the other driver may try to minimize their liability. They may try to pressure you into taking a pittance of a settlement. A few more underhanded companies may trick you into stating that the accident was your fault. (If they call you, you are most likely being recorded.) A car accident attorney will advocate for your rights and keep you from falling victim to unscrupulous machinations.

Get Everything That’s Coming to You

After an accident, you may have medical bills and car repairs to think of. But those are not the only expenses to be covered. You can sue for lost wages if you missed work due to the accident. A reasonable attorney can get you compensation for pain and suffering as well as any future medical expenses you may have due to the accident. An attorney can help you argue for this and help you gather all the evidence you need to make your case.

Contact Access Legacy Insurance Group in Brooklyn, NY

Driving in Brooklyn, NY, can be challenging, but you’re tougher! Still, you need insurance. We at Access Legacy Insurance Group gladly help you with any insurance needs.

Worker’s Compensation Insurance and Mental Health: Navigating Coverega in Brooklyn, NY

Posted on October 21, 2024October 18, 2024 by admin

Access Legacy Insurance Group in Brooklyn, NY provides professional insights on workers’ compensation and mental health in the overview below.

What is Workers Compensation?

Worker’s compensation is a form of insurance that provides financial support and benefits for workers who sustain covered injuries. New York worker’s compensation coverage typically includes financial benefits for medical care, wage replacement, temporary or permanent disability benefits, and rehabilitation services.

The provisions included in today’s worker’s compensation policies are designed to protect and restore workers in the case of a long-term or short-term injury that deems them ineligible to work for varying periods.

The Intersection of Workers Compensation and Mental Health

Traditionally, employers provided workers’ compensation insurance for physical injuries that took workers off the job for months or years at a time. In recent years, the rise in mental health education and the importance of maintaining good mental health have led local employers to seek solutions for employees suffering from mental health issues at work.

Workers Compensation for Mental Health Claims

The rise in workers’ compensation claims related to mental health includes issues related to excessive workplace stress, aggravating existing mental health conditions like anxiety, depression, or PTSD, and claims by employees who feel they are being made to carry out their job duties in hostile work environments.

Employers who want to offset the lasting effects of these devastating mental health care claims have well-structured workers’ compensation insurance policies in place that provide for the mental, emotional, and financial well-being of their affected employees.

Workers Compensation Insurance Near You

Access Legacy Insurance Group in Brooklyn, NY, can answer key questions about mental health benefits and workers’ compensation and provide a quote for local business owners seeking to provide workman’s compensation insurance for their employees.

What Parents Need to Know About Renters Insurance For Students Attending College

Posted on September 30, 2024September 25, 2024 by admin

Insight for Parents: Renters Insurance for College Students

When your student is heading to college, renters insurance could come under your consideration. If you’re a resident of Brooklyn, NY, Access Legacy Insurance Group is here to assist.

Understanding Renters Insurance for College Students

Here’s what parents should know when their student goes off to college.

Renters Insurance Might Be Required

Many property owners and management firms nowadays require renters to possess renters’ insurance. They might even suggest insurers. But it’s important to remember that despite the requirement to have coverage, choosing a provider is always your decision.

Landlord’s Insurance Doesn’t Cover Students’ Personal Belongings

While the landlord might have coverage to protect their property, it usually doesn’t cover a student’s personal possessions. This includes furniture, bedding, clothing, kitchenware, and electronics, which can add up to a sizeable amount over time.

Each Tenant Needs Their Own Renters’ Insurance Policy

It’s essential for each roommate to have their own renters’ insurance policy. A policy covers the insured’s personal property, not the contents of the rented space.

Coverage Limitations for Some Electronics

If your student owns costly digital devices, they might not be fully covered under a renter’s insurance policy in case of loss or theft. So, it is crucial to discuss the particular coverage for such digital devices with your agent before purchasing the policy.

Renter’s Insurance Is Affordable

Parents should not dismiss renters insurance due to other college expenses. Renters insurance can be surprisingly affordable.

Let us at Access Legacy Insurance Group of Brooklyn, NY navigate you through the process. We can discuss your needs, provide a price quote, and answer all your queries. Contact us today for a quote and let us help you and your student secure the coverage you deserve.

Customize Your Boat Insurance with Tailored Coverage for Brooklyn Boaters

Posted on August 30, 2024August 22, 2024 by admin

Given the spate of recent natural disasters impacting vast sections of the US, it’s unsurprising to observe a rise in local boaters seeking robust insurance coverage for their boats and watercraft.

Customizing Your Boat Insurance: Expert Tips from Access Legacy Insurance Group, Brooklyn, NY

Chat with a licensed insurance agent to evaluate your coverage requirements and select the proper protection for your vessel. A knowledgeable local agent can outline comprehensive coverage options for collision, liability, and uninsured or underinsured boaters.

Your agent can guide you toward the best policy, considering the value of your boat or watercraft, potential repair costs, and your preferred policy limits for personal financial protection from collision and non-collision-related boating accidents. Local boaters can expand their coverage by upgrading to comprehensive insurance.

Liability Insurance Coverage for New York Boaters

Boat liability insurance safeguards your finances from potential monetary setbacks resulting from bodily injuries, property damage, and associated legal expenses arising from an at-fault boating incident.

Comprehensive Coverage Options for Boat Owners in The Big Apple

If you’re considering extending the limits of your boat or watercraft insurance policy to cover physical boat damage and non-collision-related damages resulting from theft, fire, explosions, and grounding, think about investing in comprehensive boat insurance.

Comprehensive boat and watercraft insurance can help compensate for repair costs or vessel replacement, personal belongings, and legal fees. It can even provide policy add-ons, including emergency towing and waterborne assistance.

Get in touch with our local experts at Access Legacy Insurance Group in Brooklyn, NY to explore your coverage options and secure a boat insurance quote today!

Steps You Should Take When Your Home Floods

Posted on July 30, 2024July 24, 2024 by admin

Access Legacy Insurance Group Offers Steps To Take If Your Home Floods

While floodwaters coming from outside of your home are not covered under standard home insurance policies, you can acquire flood insurance. This helps to defray the costs of damage from flooding. We offer our clients these policies at Access Legacy Insurance Group in Brooklyn, NY. Here are the steps you should take if your home experiences unexpected flooding.

Protect Yourself, Family, and Pets

If flooding is imminent, you should immediately evacuate the premises. Take yourself, your family, and your pets to a safe area on higher ground.

Start the Insurance Claim Process

Once floodwaters have receded and it’s safe to return home, you can file a claim with your flood insurance company.

Photograph or Videotape Your Property’s Interior and Exterior

Record the damage to your home on a digital image file or videotape. Also, record any items you are going to throw away.

Provide Information About Large Appliances That Have Been Damaged

Get the make, model, and serial number of large appliances that have been ruined by floodwater. You will need this information to file a claim with the insurance company.

Collect Samples of Building Items That Have Been Damaged

Take samples of carpeting, flooring, wallpaper, draperies, and other items needing replacement.

Consult With Your Insurance Adjuster

Your adjuster can advise on additional information that might be needed for your insurance claim.

Access Legacy Insurance Group is Your Agency For Flood Insurance in Brooklyn, NY

Our agents in Brooklyn, NY, can answer your questions about flood insurance and how it can help you after a flooding event. We offer a broad range of insurance products for homes, auto, boats, and businesses. Contact Access Legacy Insurance Group today for a no-obligation quote on flood insurance that can help you get back to normal after floodwaters enter your home.

Choosing Your Deductible: What You Need to Consider

Posted on June 28, 2024June 26, 2024 by admin

Deciding on an auto insurance policy involves thinking carefully about the level of deductible that suits your needs. At Access Legacy Insurance Group, we’re dedicated to aiding drivers in Brooklyn, NY, and surrounding regions to make choices that are right for them when taking out auto insurance. Let’s explore what factors should influence your decision on your deductible amount.

Assess Your Financial Situation

Often, a plan with a higher deductible can lead to savings on your insurance premium. However, you would need to be in a position to contend with a significant payout in the event of a claim. If you have sufficient savings for emergencies, such as a damaged vehicle due to an accident, you may be able to opt for a plan with a higher deductible.

Consider Your Driving Record

Your driving record can indicate the deductible level that would be most suitable for you. If you’ve maintained a clean record and have never been involved in an accident, a plan with a higher deductible could be a sensible choice. That’s because you’re statistically less likely ever to file a claim.

Access Legacy Insurance Group is Proud to Serve Brooklyn, NY

We understand that comprehending the complexities of auto insurance coverage can be challenging. Our Access Legacy Insurance Group team is on hand to help. We take pride in serving Brooklyn, NY, and the neighboring areas and would be delighted to discuss how we can ensure effective protection for your family and your vehicle. Contact us today to speak with an experienced insurance agent.

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