On top of business interruption claims due to COVID-19, claims for damages or closures due to the actions of civil authorities are now likely to increase.
By Rosalie Donlon ​

After hurricane Florence floods recede, the journey to restoration begins. Typically the cost of building materials are slightly higher after a storm but “home builders and contractors say this administration’s trade policy will add to the price increases that usually follow natural disasters” writes Nelson D. Schwartz in the New York Times.

When criminals look for a potential victim, they choose the easiest targets. Some simple practices can aid in deterring robberies, such as:

• Security devices
• Clear visibility
• Effective cash-handling procedures
• Employee education and awareness programs
• Law enforcement support

​Insurance! Its that thing you wish you had when the unexpected happens by way of loss or damage to your personal property. Policies are typically designed to cover many things while at the same time specific language in the policy excludes coverage for other things. Policies are typically summarized with words, including terminologies that need to be defined in the definition section and of course specific numbers.

​So one of your employees is taking out the garbage. He/she has done this countless times. Pulls the bags up the basement access, up the sidewalk access and onto the street, except that last friday on the way up, the basement access door suddenly slams on his/her right hand and just like that, you have an employee injury on your hands. Your employee suffers three broken fingers (middle, ring and pinky). Sounds like fiction? Think again. I do this everyday.

New York City is a popular destination for events and our team insures it’s fair share of events happening all over this great city. So this summer, as you attend any event – Fundraisers, Sporting events, Concerts, and conferences, remember the liability exposures as you have a good time.
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​According to the Bible account, in the book of Genesis, Seth, the third son of Adam and Eve, besides Cain and Abel, lived till age 912.  I can’t seem to wrap my mind around living through multiple centuries. 912 looks more like a house number to me than the age of a living breathing human being, but maybe we are not too far off today. Consider Aubrey de Grey, a molecular biologist who has proposed that all we need do is tackle the physical deterioration among other things and we may live till age 1000, a scientific journey that he is personally on. Now imagine that birthday cake!

​If you live in the city or listen to the news you will hear and read scores of headlines about rent stabilized apartments and the impending rent increases with the expiration of the existing law. The homes of many New Yorkers hangs in the balance and the seriousness has been stressed by both the Governor Cuomo and the City’s Mayor De Blassio who’s exact words were “a failure to renew the rent regulations would be an “end to New York City as we have known it.”

​There is a lot of yammer in business environments around the globe; regarding the saliency of Cyber Liability Insurance, basically should all businesses consider it a must or not?

​Just incase you have not heard! There is new currency in town!!. Yes! a new way to buy and sell. And…no the barter system is not making another appearance and I’m not talking about Paypal either. Its called bitcoin. Bitcoin is virtual cash born of computers, so it lives on the internet and one can even buy things with it. Surprised? don’t be. It won’t be the first time something we use in hard copy converts to the digital medium including the oldest book known to mankind the bible.