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

1) 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.

2) 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.

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

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

5) 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.

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

7) 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.

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

10) 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.

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.

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.

We can be also contacted by phone 1-877-732-3590.  

Thank you,

Al Stanco pres.

Many people think they do not need flood insurance.  The truth is that flooding can happen in any state and to almost anyone.  A flood may seem unlikely, but you are gambling with your possessions and your home when you do not have flood insurance NY.  

 Do You Have Flood Insurance In Your Current Policy?

 Many insurance policies do not cover flood insurance.  You do not want to assume that you are covered only to find out that you are not when you need it most.  A flood can do massive amount of damage both to your home and to your belongings.

 The only way to protect your home from the hazards of flooding is through a separate flood insurance policy.  There is a chance that your homeowner’s insurance policy will cover you, but this is rare.  In most cases you will need the separate policy. 

 What About Government Assistance After A Flood?

 If you were counting on assistance from the government then you might want to think again.  This assistance does not always come as free money with no strings attached.  It may come in the form of a loan that will have to be paid back with interest if it comes at all.  If you want to protect your home then you will have to do it yourself. 

 We Can Help

 We can help to educate you on flood insurance NY and the costs that may be incurred if you are the victim of a flood.  We can introduce you to a variety of policy options so that you can then make an informed decision when protecting your home.  When it comes to flood insurance NY, you cannot afford to be unprepared.   

 Flood insurance NY is a necessity.  It only takes one flood to turn your world upside down.  Flood insurance can be matched to your needs and can be made affordable.  Instead of talking about how you do not think you can afford flood insurance NY, you need to realize that you cannot afford not to have it.  For a quote visit www.colstan.com.

Buying car insurance NY is a personal experience.  So many things can impact the type and cost of coverage that you need that a generic quote or policy will not do you much good.  You need a policy that is tailored to your needs. 

Your Information And Circumstances

Some details such as your age and driving history will influence the cost of your policy so we begin there.  So, too, will your car’s make and model.  If your quote does not take these details into account then it might not be accurate, and how does it help you to get an inaccurate car insurance NY quote? 

Your Desires And Needs

The second set of details is based around your desires and needs.  How much coverage do you want to have?  How much basic coverage do you need to meet state requirements?  How much coverage can you afford? 

Times are tough and you may not be able to afford to pay much for auto insurance.  By looking at a variety of coverage levels, you can get the best deal.  You can then choose the deductibles that will give you the monthly payments that will work for you. 

The Personal Touch

You are a unique individual who deserves to get the best car insurance NY at the best price.  Many insurance companies treat you as if you are just a number.  They treat you as though you are just another policy without personal attention to your needs. 

The personal attention that you receive from us amounts to more than just friendly service.  It can save you money.  Our representatives can tailor policies to you so that you get all the coverage you need for as little as possible. 

The most important thing is to get your car insurance NY policy from a company that will go the distance to get you the best policy at the best price.  You need a company you can trust.  With us, you are never a policy.  You are always a person. 

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.