What Can We Help You With?

Saving money on premiums is a tricky business: you still want all
the protection you need.

For small and large businesses, Zupnick & Associates has customized insurance packages that will fit any budget.

BUSINESS & COMMERCIAL INSURANCE INFORMATION

General Liability

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient liability coverage for your business.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury.
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property.
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from
    something your company made or service your company provided
  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents.
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts.
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft);
    Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising
    Injury; and specialized liability protection for specific business types.

Business / Commercial Quote Form

Fill out the following form as completely as possible. Once you have completed the form, click the
Submit button to send your information. Your request will be handled promptly.

Other Quotes Forms

Looking for coverage? Click any of the following links to submit a quote for quick,
accurate and affordable rates.

Business Owners (BOP)
Quote Form

Employee Benefits
Insurance Request

Professional Liability
Insurance Request

Workers Compensation
Insurance Request

Life Insurance
Quote Form

Employee Benefits

Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Employee Benefits Insurance Request
Business Owners (BOP) Quote Form
Life Insurance Quote Form
Professional Liability Insurance Request
Workers Compensation Insurance Request

Employee Benefits for Businesses Throughout New York

Your employees are one of the biggest assets to your business. Attracting and keeping top talent is crucial for offering the best care to your clientele, and the key to doing so is to offer an impressive employee benefits plan.

Zupnick & Associates are trusted Employee Benefits experts who understand the balance you need between providing quality coverage and protecting your bottom line. That’s why we work closely with carriers to negotiate the best prices without sacrificing benefit quality. You also enjoy an annual follow-up to assess your employees’ satisfaction levels with the coverage provided.

Types of Employee Benefits

There are many types of employee benefits available to cover your employees. Some of the common and important employee benefits you should consider offering include:

Medical Benefits

Medical benefits packages are one of the main draws for employees. Workers look for a comprehensive health plan that can cover them and their family. Medical benefits you can offer include:

·        Group Healthcare: Group healthcare packages offer basic health insurance coverages such as compensation for hospital visits, doctors’ visits, health exams, procedures and more.

·        Dental and Vision: Dental and vision benefits are additional coverages that can help draw in employees. Many basic healthcare plans exclude dental and vision coverage, so offering these can help put you ahead of other companies.

·        Workers’ Compensation: Workers compensation provides assistance if an employee is injured on the job. If an employee is injured at work, this insurance can cover medical bills, disability benefits, wage replacement and, in extreme cases, death benefits.

·        Flexible Spending Account: Flexible spending accounts allow employees to put in money to later withdraw for certain out-of-pocket health care.

Life, Accident Insurance and Disability Plans

·        Life Insurance: There are basic and supplemental life insurance plans you can offer for employees. Life insurance can cover an employee and their families in case an employee suddenly passes away.

·        Disability Insurance: Disability insurance provides compensation for a portion of an employee’s monthly income if an injury or illness prevents them from working.

·        Business Travel: Business travel insurance covers unexpected travel incidents, including emergency medical care.

Retirement

·        401(k) Savings Plan: A 401(k) is a must. This plan allows employees to save for their retirement.

Additional Benefits

Additional benefits to consider include:

·        Tuition reimbursement program

·        Paid holidays

·        Vacation days

·        Sick and bereavement days

Get Started Today

Benefit from our thorough understanding of the Patient Protection and Affordable Care Act (PPACA) as we guide you through the nuances of this constantly changing law to preempt fines and hassles. In contract with legal experts, we manage your compliance needs, including filing, variable employee tracking, notices, 1095-C, and all other Act components.

Call Zupnick & Associates at 718-534-1194 or fill out an online quote form to get started today.

Common Employee Benefits Questions

How Many Employees Do You Need Before Offering Benefits?

As a rule, 50 employees are the mark for legally requiring certain employee benefits. You may want benefits even if you have less employees, however—especially if you are having trouble maintaining a reliable workforce.

How Much Do Employee Benefits Cost?

The cost of employee benefits depends on the type and amount of benefits as well as the size of the business. The higher income your business makes, the may you may pay for employee benefits. Fill out an to find out how much you can save on employee benefits.

What Employee Benefits are Required by Law?

Workers compensation is required in most states to protect employees. You may also be required to offer social security and unemployment insurance.

What is Employee Benefits Insurance?

Employee benefits insurance cover errors and omissions concerning a business’ employee benefit plans. If a mistake is made with employee benefits, this insurance can protect a business against related claims.

Life Insurance

Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Insurance Quote Form
Business Owners (BOP) Quote Form
Employee Benefits Insurance Request
Professional Liability Insurance Request
Workers Compensation Insurance Request

Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional – like us!

Professional Liability Insurance

Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Professional Liability Insurance Request
Business Owners (BOP) Quote Form
Employee Benefits Insurance Request
Life Insurance Quote Form
Workers Compensation Insurance Request

Professional Liability Insurance Information

What is professional liability insurance?

Professional liability insurance protects individuals and companies from assuming the full cost of defending a lawsuit that claims negligence of the individual or business. A claim of negligence, malpractice or misrepresentation is not covered under a general liability insurance policy, which makes professional liability insurance crucial for those who provide a service or advice for a fee. Depending on the profession, professional liability insurance may take on different forms and names, like malpractice and E&O insurance.

The number of liability lawsuits against professionals has increased in recent years. Many professionals within a variety of industries are at risk of being sued, whether the charges are valid or unfounded. Such lawsuits can mean financial ruin both professionally and personally, including the loss of cars, homes and careers. Professional liability insurance helps with the financial burden of these events.

Who benefits from professional liability insurance?

Any professional who provides a service, expertise or advice to clients for a fee can benefit from coverage against liability lawsuits. Even with quality employees and risk management practices in place, people still make mistakes. A general liability policy may not cover mistakes that could be made. Professional liability insurance will protect your business and its finances if such an event arises.

Get started today

We will evaluate your business to determine its unique insurance needs and find you the professional liability policy with the necessary coverage. Call us if you have questions or want to get started. We are happy to help you get the protection you need.

Why Professional Liability with Zupnick & Associates?

We know that, “the bigger the business, the bigger the bills,” and that’s why we’ve made it our business to protect businesses like yours. Growth shouldn’t be rewarded with penalties, and we want to secure the best rates for your protection.

What sort of property or liability insurance would your business need? What extent of coverage? How personalized can the packages be tailored to your business’s needs? Your questions are important and should be answered, but, as you’re reviewing your options, remember, here at Zupnick Associates, we:

  • Identify potential liabilities
  • Assess property value
  • Assess potential growth
  • Predict likely damages

For medical practices and other healthcare facilities, we review aging equipment, poor signage and more to build every liability scenario into your policy. We do it all with the utmost care and conscientiousness, because when you entrust us with your business, we treat it like it’s our business.

Workers Compensation

Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Workers Compensation Insurance Request
Business Owners (BOP) Quote Form
Employee Benefits Insurance Request
Life Insurance Quote Form
Professional Liability Insurance Request

Workers Compensation Information

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don’t include coverage for workers’ injuries.

Why Workers' Compensation with Zupnick & Associates?

Workers’ compensation requirements vary based on the state you’re in, the size of your company, and your specific industry. Understanding the complex laws to determine the coverage you need is time-consuming, confusing, and best left to a professional.

At Zupnick Associates we put our expertise to work for you. We …

  • sit down together with you
  • assess your team makeup
  • evaluate your risks
  • identify the appropriate level of coverage you need
  • always bring you the highest quality coverage at competitive rates
  • follow up with year-end audits to ensure it goes smoothly and results in no overcharges.

In addition to ensuring you have proper coverage, we strive to help you gain a deeper understanding of your unique situation. With us by your side you can confidently navigate the intricate requirements and regulations of worker’s comp.