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Personal and Commercial Insurance Blog

Business Insurance, Insurance, Personal Insurance, Workers Comp / 16.03.2019

Megan Doyle started her journey with Colstan & Associates in 2017. Before working here her only experience with insurance was her own policies, now Megan can help with most of your insurance needs. She understands the hassle of insurance and wants to make your experience hassle free. As she works on getting her Personal & Commercial License, she is the Assistant to the Office Manager for our office. Prior to Colstan & Associates, Megan worked as a nanny for several years and also worked with young adults with learning disabilities. She found that helping others was something she was passionate about. From teaching kids ABC’s to teaching young adults how to manage time and money. No task was ever to big or to small for Megan. Megan enjoys going to concerts, hanging out with her family and friends, sitting next to a bonfire, and playing with her dogs on her free time....

Business Insurance / 11.03.2019

Let's talk about business insurance for entrepreneurs. Before starting a business, it is essential that you are aware of the factors that could affect it. Businesses are often exposed to certain risks that could impact or halt their operations simultaneously. From natural disasters and terrorism to financial risks, it’s imperative that entrepreneurs take the proper steps to protect their businesses. Fortunately, there are a number of types of business insurance that can help protect your business. For those looking to start a business, or already have one, below are a few business insurance types to keep in mind. Workers’ Compensation Insurance Every business with employees should have workers’ compensation insurance. Workers’ Compensation Insurance should be added immediately after the first employee is hired. This type of insurance helps cover and take care of medical treatments and death benefits. In other words, it helps protect you from pricey claims at the event an employee gets...

Business Insurance, Car Insurance, Commercial Property, Disability Insurance, Insurance, Personal Insurance, Workers Comp / 10.03.2019

Meet our very own talented Mary Marrazzo.Meet our very own talented Mary Marrazzo. Mary started at Colstan & Associates in 2017 as a Customer Service Representative. After receiving her Personal & Commercial License, she transitioned from a Customer Service position to a fully licensed Insurance Broker.Prior to coming to Colstan & Associates, Mary was in a very different industry. Growing up she found herself enthralled with all things beauty. As a teenager, Mary immersed herself in local beauty pageants which then became the catalyst for her career in the world of esthetics.While attending school to become licensed in the field as an esthetician, she became well versed in the MediSpa industry. Mary specialized in chemical peels, microdermabrasion, laser hair removal and much more.Today, having the beauty industry experience and knowledge merged with the insurance connections has given us here at Colstan and Associates a unique opportunity. With our powerhouse Broker...

Car Insurance / 28.02.2019

[caption id="attachment_7911" align="aligncenter" width="300"] Texting and driving can cause accidents[/caption]30%. That's the number of drivers in the United States that admitted they have had a "near miss" due to being distracted while driving an automobile. Have you talked to your loved ones about keeping their focus on the road while driving? Don't wait. Drive Safe. Taking your eyes of the road for a period of seconds can cause an accident, so that is a good reason not to text and drive.Did you know most cell phones carriers have the option on blocking incoming calls if you would like.   Or have you thought of auto answer?  Most phones can be programmed to be answered automatically which is a good thing when divining. ...

Uncategorized / 03.12.2018

Do you have Out of State Employees? Do you know how to cover your responsibility for workers' compensation? Out-of-State Employers with Employees Working in New York State The following is the Board’s Out-of-State Employers policy that should be reviewed by insurance carriers, agents, brokers and out-of-state employers. When Full NY Workers’ Compensation Coverage is Required Any out-of-state employer who has one or more individuals who work in New York State must have a full NYS workers’ compensation insurance policy if that employer (as defined in the WCL) meets any of the following: • The employer is required to register with the Department of Labor and must pay Unemployment Insurance for any period in question. • The employer has a permanent, physical location in New York or employs workers whose primary work location is in New York. • The employer has been granted by the State of New York, its counties or any municipalities a permit, contract...

Workers Comp / 19.11.2018

As a business owner, keeping your employees safe is an important part of your job. And as a New York State employer of one or more employees, you are required by law to provide your employees with a workers’ compensation policy. A workers’ compensation insurance policy ensures your employees receive monetary relief and medical benefits in the of an on-the-job injury or job-related illness as well as survivor benefits to families in case of death. Workers’ Compensation protects you, the employer, from liability. Who Are the Players?There are a number of key parties that play an important role in Workers Compensation and who are responsible for how it works: New York State Workers’ Compensation BoardThe Workers’ Compensation Board (Board) was established to ensure the New York State Workers’ Compensation Law (WCL) is carried out. The major responsibility of the Board is the adjudication of claims. It also makes sure employers provide...