There are several homeowners insurance policy types, but the one Grillo & Associates field the most questions about is Dwelling Insurance coverage. That is because many homeowners are unfamiliar with the term. Dwelling Coverage is a subset of a homeowners or condo insurance policy that protects the actual physical structure of a residence, as well as [...]
Until internet usage became widely available to the public, no business owner would have considered the possibility of a digital attack on their enterprise. Over the past decade, however, cybercriminals have found that it is far easier to stage an attack on small- to mid-sized firms than to infiltrate major corporations with in-house IT teams, dedicated [...]
As of right now, there are only three states in the U.S. that require boat insurance, and New York isn’t one of them. Regardless, we encourage every boat owner to obtain this valuable policy for what is covered. Should you be involved in a boating accident, boat insurance in New York covers you and your boat [...]
With rising costs for just about every necessity, many consumers try to rein in their expenses by not considering carrying a flood insurance policy in addition to their homeowners’, business, or tenants’ insurance. In the five boroughs as well as on Long Island and NYC, flood coverage is essential, not just in high-risk areas by the [...]
As of 2021 more than two-thirds of those residing in Manhattan and the 5 boroughs were tenants. Only Staten Island can claim to have more homeowners than any other part of the region. And, here is the disconcerting fact- even though many locales require tenants to carry renters’ insurance in New York, less than 40% have [...]
We’ve all heard about it, but what is Workers’ Compensation, exactly? Workers’ comp, as it is commonly known, is not just a type of workplace benefit- it is required by law. New York law requires employers to provide Workers’ Compensation coverage for all their employees, but full- and part-time. What is it for? Workers’ Comp protects [...]
Every type of business has its shared responsibilities such as managing staff, serving their clients/customers, overhead, maintaining their physical plant, inventory, etc. However, the hospitality industry, specifically running a restaurant, carries a unique set of tasks, and specific risks as well. To maintain your status quo, to grow your enterprise, and to minimize risk, you’ll need [...]
At Grillo & Associates, we know that just as important as having an insurance policy for your business, is having the right insurance coverage for your firm. That is why whenever a new client consults with our professionals, we ask many questions. This will not only build rapport and trust as well as lay the groundwork [...]
When you contact Grillo & Associates to inquire about a business owner's insurance quote, our professionals will learn about your specific business, and assist you to determine what policies will comprise the best Business Owner’s Policy for your needs. If you want to research policies prior to initiating a business owners insurance quote, it is important [...]
When our team is consulted by business owners who are seeking advice on the different types of insurance policies that we offer, the professionals at Grillo & Associates are often surprised to learn that many long-standing businesses have never had Commercial Auto Insurance coverage. In this posting, we will go over which types of firms [...]
