Insurance, safety and education

You may consider yourself well versed when it comes to the ins and outs of business insurance in New York, especially if you own a business in New York. But just how accurate and in-depth is your knowledge? In the spirit of fall, which is back to school time, take this quiz to test your awareness of business insurance myths and truths.
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Summer in New York is prime time for home improvement projects. Whether you're repainting your home's exterior, replacing the roof, adding on, or constructing a new patio, a home improvement project can not only beautify your home and add to its overall comfort, but also significantly increase its value. Don't undermine your considerable efforts by failing to get the proper insurance, or you may end up having to fork out much more than you planned in the event of an accident.
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Is there any better place to spend a sunny summer day than on the water? New York boat lovers would certainly say no. Whether you favor the zippy momentum of a power boat, the serenity of sailing, or even the exhilarating freedom of a jet ski, there's a refreshing quality to water-centered recreation that ensures its perennial popularity. On the water, one's worries seem to quite literally float away...until something goes amiss, and you think, "Uh-oh, am I properly insured?"
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Times have changed substantially since the dog-eat-dog days of fire marks-distinctive plaques fashioned of lead or copper that home and business owners displayed on their property to indicate that it was insured against a fire. In the 18th and 19th centuries, fire insurance providers gave these plaques to policyholders who paid in advance for their protection. If a home or business caught fire, the fire insurance provider (who also ran the fire brigade!) would look for that all-important fire mark before going to the trouble of putting out the flames. If there was no fire mark to be found, they would turn around and leave, letting the building burn.
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Earth Day is April 22, 2012. It's a time for those of us in New York to celebrate the miraculous beauty of our precious planet and all its offerings, as well as to make changes to our own habits and lives that will help to preserve the earth for many generations to come. Making such changes will not only benefit the planet; they will benefit you, and all of its present and future inhabitants.
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