Castle Rock Insurance Agency

New York Cracks Down on General Contractors Liability Insurance

New York City Building Department Issues Notice to General Contractors

In a recent  release the New York City Building Department has ceased accepting Insurance Certificates from General Contractors brandishing Certificates of General Liability Insurance for Artisan Insurance Policies.  Reason being, these policies do not offer coverage the the General Contractors as General Contractors, these are very specifically, Contractor Policies, big difference.

Coop - Condo Insurance Negligence Question

When Negligence Is Suspected


I am a shareholder in a co-op. Last year, my radiator sprang a leak, causing damage to my neighbor below. The board fixed the radiator, and I was not asked to pay for the repair. Now, however, I am being asked to pay for damages to my downstairs neighbor. Am I responsible?

Jewelry Insurance Concerns

Homeowner insurance carriers often have restrictions and capacity limitations for jewelry.

Many carriers are not willing to write higher-value jewelry. It can be difficult to find a policy that adequately covers jewelry and also offers the client a competitive price. A stand-alone jewelry policy (personal articles floater—PAF) addresses the jewelry need without impacting the homeowners policy.

Online New York State Defensive Driving Course

Online New York State Defensive Driving Course NY

The 6 Hour New York State Defensive Driving Course is now available Online.

Online New York Defensive Driving Course

Employee or Independent Contractor?

Employee or Independent Contractor?

Most employers in our industry, whether the management company or the homeowners association directly, believe that substantial costs can be saved by their associations utilizing independent contractors in lieu of employees.

By hiring independent contractors the employer attempts to avoid costs related to:

  • Salaries

  • Benefits

  • Payroll and unemployment taxes

  • Labor law disputes

  • Wage and hour claims

  • Overtime

  • Workers compensation coverage

  • Responsibility for most worker negligence occurrences

The employer also avoids having to supply office space, overhead, and equipment/supplies normally associated with an employer/employee relationship. Furthermore, if the employer becomes unhappy with the worker's performance, it can easily change to another independent contractor without having to experience the trauma associated with terminating an employee.

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Wednesday, August 31, 2016
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