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We at Colstan & Associates provide several restaurant insurance programs.  The top 10 ingredients in a policy are:

Liability Insurance: Protect the storeowner for third party liability it includes legal expenses for the storeowner. But in no way it covers contents for the stop owner, nor any goods of the storeowner.

Contents Insurance:  This is where the goods of the storeowner would be covered.  Under this section this is where the store would have its goods insured.

Money & Security insurance:  Insurance it protects the storeowner for money and securities, it can even include going to the bank

Sign Coverage Insurance: It insures the sign for the store and it can even include awnings if it is part of the sign

Micro/Mini computer insurance: In restaurants these days there are lots of computers. So this would insure the registers, and the software for the tracking of all of the orders placed.

Liquor Liability Insurance: In most states liquor liability insurance is required to protect the storeowner from liability from third party.

Non-Auditable Insurance Policy: This part of the insurance policy is very important; this states that the policy will not be audited from the insurance company.  This is very good when a restaurant has a large growth, and will not have to show it books.  It could be a nightmare if sales have skyrocket.

Loss of Income Insurance: this is when in a covered loss the store would be protected for loss of earnings.

Fine Arts Insurance: Is very good to have when there are many collectables or expensive artwork that is displayed in store

Improvements and Betterments Insurance: This is there our clients can save money, since lots of restaurants owners make improvements to the building, and can insure it here since it is cheaper than contents.  Here the rate would be the building rate that is why we look to offer this coverage to our clients for savings.

For a Free quote from Colstan & Associates please click here. 90% of our restaurant clients have saved about 30 % from their current policy, and the important part is that we have not decreased coverage. In most part increased coverage.

Commercial auto insurance NY is a must in the modern business world. So many businesses large and small use vehicles in their day to day operations that commercial auto insurance just makes sense because of the amount of travelling business vehicles do. More than that, commercial auto insurance NY is required by law.

Why Would You Need Commercial Auto Insurance NY?

Aside, from the fact that it is required by law, you want commercial auto insurance NY for the same reason that you want any other type of insurance. You want financial protection. Many businesses need company vehicles to complete their daily business operations. With employees driving these vehicles for business purposes, the insurance needs fall to you.

You have to remember that there are minimum requirements. It is the law that every commercial vehicle owner purchases a commercial auto insurance policy with a minimum amount of liability defined by the state. This minimum limit should only be your starting point.

How Much Coverage Do You Need?

There are so many factors that go into answering this question that you will need someone to guide you through the selection process. You may want to cover all vehicles owned by the company or those not owned by the company but used for business purposes. After you decide what vehicles you want covered, you will need to complete some basic calculations to decide how much you need.

Your coverage needs will depend on the size of your business, the number of commercial vehicles you have, and other factors. We at Colstan & Associates will discuss the importance of all these factors with you and listen to your concerns so that if you qualify for our policies then you will end up with a policy that gives you the coverage you need to run a successful business. We will get you the maximum coverage for the minimum price. When you need commercial auto insurance NY, auto insurance NY, boating insurance NY, or garage insurance NY, call Colstan & Associates for insurance done the right way.

Commercial auto insurance NY is a must in the modern business world. So many businesses large and small use vehicles in their day to day operations that commercial auto insurance just makes sense because of the amount of travelling business vehicles do. More than that, commercial auto insurance NY is required by law.

Why Would You Need Commercial Auto Insurance NY?

Aside, from the fact that it is required by law, you want commercial auto insurance NY for the same reason that you want any other type of insurance. You want financial protection. Many businesses need company vehicles to complete their daily business operations. With employees driving these vehicles for business purposes, the insurance needs fall to you.

You have to remember that there are minimum requirements. It is the law that every commercial vehicle owner purchases a commercial auto insurance policy with a minimum amount of liability defined by the state. This minimum limit should only be your starting point.

How Much Coverage Do You Need?

There are so many factors that go into answering this question that you will need someone to guide you through the selection process. You may want to cover all vehicles owned by the company or those not owned by the company but used for business purposes. After you decide what vehicles you want covered, you will need to complete some basic calculations to decide how much you need.

Your coverage needs will depend on the size of your business, the number of commercial vehicles you have, and other factors. We at Colstan & Associates will discuss the importance of all these factors with you and listen to your concerns so that if you qualify for our policies then you will end up with a policy that gives you the coverage you need to run a successful business. We will get you the maximum coverage for the minimum price. When you need commercial auto insurance NY, auto insurance NY, boating insurance NY, or garage insurance NY, call Colstan & Associates for insurance done the right way.

Long term care insurance NY is all about planning for the future.  Have you ever given serious thought to how you would afford the expenses of long term care?  Typical expenses can be taxing on your financial situation so long term care expenses might seem impossible to afford.  This is why you need long term care insurance NY.

What Is Long Term Care?

The need for long term care can be brought about by any disabling or chronic condition.  The cost of either nursing or constant monitoring services is not cheap.  This may not even refer to the care provided in a nursing home. 

It applies both to nursing home care or similar care that is provided in the home.  Long term care covers more services that you might think including adult day care, home health care, hospice care, and long term home health care.  Understanding the number of services covered by the umbrella term of long term care will help you to grasp the scope of this type of insurance.

Understanding The Costs

Think about it.  Have you, a family member, or a friend ever needed medical care for even a brief period?  Keep the cost of this care in mind and then realize that long term care can amount to expenses that are ongoing. 

What Long Term Care Insurance NY Can Do For You

Long term care insurance NY puts your mind at ease.  You know that when you need to that you will be able to meet the financial demands that will come with providing long term care.  We can match you up with long term care insurance that will give you this peace of mind.

You do not want to settle for a generic policy that was made for everyone.  You want the policy that will provide everything that you need and nothing that you don’t.  This is why our personal attention is what you are looking for.  We evaluate your case and choose from our many long term care insurance NY options.

Group health insurance NY is a necessary component of any business.  This is because any business can benefit from having group health insurance.  This coverage allows your employees to have health insurance and allows you to spread the financial risk out over all your employees.  The right insurance company can explain this and all the other benefits to you in detail so that you can understand why group health insurance NY is the right choice for your business.

What Exactly Is Group Health Insurance?

Group health insurance provides coverage for a number of individuals.  It is the alternative in the business world to having individual policies.  This form of group health insurance NY has special tax advantages. 

The contributions made by an employer to a small business’s health insurance plan are often completely tax deductible.  Employees get a tax break too.  The premiums that employees pay for group health insurance comes out of their pay before taxes.  This lowers the amount of taxable income that they have and saves them money.  In the end, group health insurance benefits everyone.

How Does Group Health Insurance Work?

Usually there are basic standards of coverage and basic premiums.  There may be some options for employees or additional coverage offered, but the basic format of the coverage will be the same.  For coverage to be guaranteed for a business, a certain number of individuals must join the plan.  The number of employees required to join the plan to maintain coverage may be as few as two.  It all depends on your unique situation.

So What Can You Do To Find Group Health Insurance?

We can help you to create a group health insurance NY package that is ideally suited to your company and employees.  We know that your company is not going to have the same needs as another company so we do not try to give you the exact same plan.  We offer a variety of group health insurance plans so that you can pick the one that fits your company and your employees. 

We are licensed in NY, NJ, and CT to serve you in all these areas.  We are licensed with most insurance companies so you know that we have access to a variety of plans.  You can call us for a free insurance analysis so that we can evaluate your needs and see if you qualify for our services. 

Group health insurance NY can offer benefits that individual policies do not.  These benefits extend to both the employer and the employees so a group health insurance NY plan is the smart way to go for everyone.  These financial benefits make health insurance even more affordable to keep you and your employees happy and covered. 

We at Colstan & Associates been providing health insurance plans for over 20 yrs, and we know that you are concerned about the coverage, and pricing at the same time.   In these difficult times we work very closely with our clients to make Health Insurance affordable. As you may know or not know we are licensed with most Insurance companies, so just about any plan we have access to.  So call Colstan for a free insurance analysis, and you will not be disappointed.   Why work with Colstan & Associates to get the best possible program out there? We work with groups of 2 or more.  We can tailor a plan to suite your lifestyle and budget.  We can offer high deductibles with a lower monthly payment plan.  

Oh by the way we can service your present plan and monitor it so that we work very closely with our clients to make sure the health insurance plans are reviewed annually or as offen as our clients would like us to.   Just call us and ask to switch to our agency.

For your convenience we are licensed in the following states NY, NJ, & CT.

So to begin the process please CALL (877)732-3590 FOR MORE INFO , or we can be emailed at info@colstan.com     Please give us your name phone numbers to call back and a good time to call back to start the process.

If you are in the food service business take a look at our Insurance programs specialized for the food service industry. We will insure your store, Workers Compensation Insurance, Auto Insurance, and disability insurance.  If you want us to analyze your coverage free of charge just ask. We just might want to help out, to see how much better our products really are.

We provide great pricing for Deli Insurance NY, Restaurant Insurance NY, and Bakery Insurance NY. Fish & Meat stores too.

Most of our policies are non-auditable, great pricing, and great service too.

For a quote please complete the attached form. FREE QUOTE FROM COLSTAN & ASSOCIATES

Please if there are any quesitons unanswered please feel free to email us or call us.  For any other questions or concerns please visit our website.

The reasons why Business Insurance policy is a necessity is that it protects your business from 3rd party liability, and it also protects your assets from fire, water damage, vandalism, theft etc.   There are premiums that are paid to the Insurance Company; either monthly, quarterly, semi annually, or annually.

Third party liability is when a client, or a prospect gets injured on your premises or near your premises, and demands a monetary amount to help pay for medical bills, and also large amounts of money to help heal the wounds from the injury.  This is a way to protect your business, and or personal assets to purchase Business Insurance Policy, so that you transfer your liability to an Insurance company.

Also, with Business Insurance usually called BOP (Business Owners Policy) you usually get a bundled coverage that you normally would not buy ala carte, nor even think on purchasing. That is why companies bundle coverage, because it’s that it’s looking to attract prospects to buy their product.

With Business Insurance policy you also get contents insurance which you get to choose the amount of contents, keeping in mind that if you pick less amounts than it costs to replace your contents Insurance companies will place co-insurance clause, and you will get hurt monetarily once the clause kicks in.  So when talking to an Insurance agent, ask them if this will affect your co-insurance clause in your policy.

The things that you might get in a Business Owners Insurance policy, which you might not consider on insuring:

1)         Money & Securities

2)         Sewer Back up

3)         Employee Dishonesty

4)         Equipment breakdown

5)         Sign coverage

6)         Loss of Income - check policy for limitations or exclusion (Some companies give up to one year.)

7)         Goods in Transit (very limited coverage)

Please keep in mind that all Insurance companies have their own forms and conditions.  Please read before purchasing a policy so that there is no misunderstanding.

      ‘Uncertainty’ is the only factor which is absolutely certain about the future. We may not be able to predict the future, but we can definitely formulate our strategies to counter the intricacies of the future. Before planning the strategies, we must first need to identify our priorities. These priorities may vary from person to person, depending upon their perceptions towards life. But the various personal insurance schemes are generally designed to incorporate almost all the divergent priority aspects of human life, under the designated categories of schemes. Based on the identified priorities, appropriate personal insurance policies should be taken for the effective management of the risk associated with the future.

     It is important to consult the experts in the sphere of personal insurance for carving the risk management strategies. An expert can quite accurately suggest the type of personal insurance policy, which suits most appropriately, in accordance with the specific requirement of an individual or a group. It is also essential to understand the actual forecasting of a particular policy; moreover the allocation of the premium amount should be in compliance with the resources of the potential policyholder. Even though, we all are capable enough to gauge our priorities, but to estimate the magnitude of the risk involved in different aspects of our life, we can take the help of scientific methodologies like ‘Theory of Probability’ and statistical analysis.

     Personal Insurance covers a wide variety of features related to a person’s life. The most fundamental form of personal insurance is the Life Insurance, which is essentially required to secure the future of a person’s family or close ones, in the event of any assorted adversity, covered under the policy. Long Term Care Insurance is another important segment, which is categorized under personal insurance. This specifically designed scheme helps a person to attain insurance for availing facilities like home care, nursing care, assisted living etc. Everyone should take advantage of long term care insurance scheme for ensuring a strong protection against the complex risks linked with the elderly age or other undesirable events. The importance of this scheme could be understood by the fact that even various Health insurance schemes, usually do not cover the features offered by long term care insurance policy.

     Personal Homeowner’s Insurance covers the risk allied with divergent elements of a person’s property, depending upon the policy package offered by the scheme. This generally also includes Personal Liability Insurance, in-order to protect the policyholder and his or her family from unexpected legal cases filed by any third party. Personal Auto Insurance offers the insurance coverage for the policyholder’s automobiles. Since the automobiles are subjected to high degree of risk, therefore it is extremely important to neutralize this risk factor by taking a well defined personal auto insurance policy. Along with various personal insurance policies, one should also avail the umbrella insurance policy, which is an added protection that generally extends the liability limits of regular policies underneath it.

     A well engineered strategic plan can enable a person to efficiently deal with almost all the unfavorable events hidden in the future. Perhaps, future could not be changed, but personal insurance gives us an opportunity to equip ourselves in the best possible manner to tackle the antagonistic uncertainties associated with our future. Like a true warrior we should stand firm to face the future adversities and meanwhile we should not forget that all our personal insurance policies would support us in countering these adversities, by acting as special arrows in our quiver.

Gas Station insurance – Are you in the market for a new gas station Insurance, or opening one a new gas Station.   If so, call Colstan & Associates for a quote on your tow truck insurance, garage insurance, car wash insurance, body shop insurance, gas station Insurance

We can customize the policy to meet your insurance needs.

Can offer building coverage, Contents Insurance, Money & Securities , Inland Marine Insurance, Garage keepers Insurance, Business property Insurance, Employee dishonesty coverage, Loss of income, Low monthly payments, Low down payments, Great customer service, Prompt claims service, Boiler coverage, Hired n non owned autos.    Let us help you customize your policy to meet your needs, and your clients’ needs.

To get a quote please click here and we will get basic info to start the process