Question 1

What does an employee benefits broker do?

Accepted Answer

An employee benefits broker helps businesses design, negotiate, and manage group health plans, dental, vision, disability, and life insurance. Zupnick & Associates represents you — not the insurance carrier — to get the best coverage at the best price.

Question 2

How much does employee benefits insurance cost for a small business?

Accepted Answer

Cost depends on workforce size, plan choices, and employer contribution. Most small businesses contribute 50-80% of the employee premium. We analyze your situation and present options across multiple carriers.

Question 3

Do I need commercial insurance as a small business owner?

Accepted Answer

Yes. Even small businesses face exposure from lawsuits, property damage, employee injuries, and errors. Commercial insurance protects your assets and ensures one incident does not threaten your business.

Question 4

What is professional liability insurance?

Accepted Answer

Professional liability (errors and omissions) insurance protects professionals against claims that their advice or services caused a client financial harm. Essential for consultants, advisors, accountants, and service professionals.

Question 5

Is workers compensation insurance required in New York?

Accepted Answer

Yes. New York State requires all businesses with employees to carry workers compensation insurance, covering medical expenses and lost wages for job-related injuries.

Question 6

How do I get a free insurance analysis from Zupnick & Associates?

Accepted Answer

Request a free plan review on our website, call 718-534-1194, or email eliezer@zupnickassociates.com. We review your current coverage, identify gaps, and present options with no obligation.

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