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The Coyle Group - Business Insurance
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Добавлен 4 мар 2008
Insurance & Risk Management advice for mid-market companies, financial service firms, manufacturers, wholesale distributors, restaurants, real estate investors, and more!
Best Insurance for Cannabis Business: How to Get it!
Best Insurance for Cannabis Business - How To Get The Best Insurance For Your Cannabis Business
In this video, we’ll talk about cannabis business insurance and how it can protect your cannabis business, whether you're a grower, manufacturer, distributor, retailer, or dispensary.
💼 Are you looking for a custom insurance solution for your cannabis business?
🌐 Talk to our experts ➡️ thecoylegroup.com/contact ⬅️
At The Coyle Group, we specialize in crafting customized business insurance solutions that meet the unique needs of each client. With over 95 years of industry experience, we are not just brokers but your strategic partners in risk management.
Here’s why business owners choose us:
• Deep E...
In this video, we’ll talk about cannabis business insurance and how it can protect your cannabis business, whether you're a grower, manufacturer, distributor, retailer, or dispensary.
💼 Are you looking for a custom insurance solution for your cannabis business?
🌐 Talk to our experts ➡️ thecoylegroup.com/contact ⬅️
At The Coyle Group, we specialize in crafting customized business insurance solutions that meet the unique needs of each client. With over 95 years of industry experience, we are not just brokers but your strategic partners in risk management.
Here’s why business owners choose us:
• Deep E...
Просмотров: 19
Видео
Does Cyber Insurance Cover Ransomware Attacks?
Просмотров 26День назад
Does Cyber Insurance Cover Ransomware Attacks? In this video we’ll talk about cyber insurance and how it can protect you from one of the most burdensome and fastest growing threats to business like yours - ransomware. Is Ransomware covered by cyber insurance? In this video we explain what ransomware is and how it is covered by cyber insurance 💼 Are you looking for a custom insurance solution fo...
Cyber AND Crime insurance: Do You Need Both?
Просмотров 8014 дней назад
Cyber AND Crime insurance: Do you need both? In this video, we dive into the question: "Do you need both cyber and crime insurance for your business?" I'll explain when and why both coverages are essential, break down what each policy covers, and help clear up some common confusion. If you're a business owner wondering how to protect your company from cyber threats and crime-related risks, this...
What is Crime Insurance? Do You Need It?
Просмотров 11628 дней назад
What is Crime Insurance, Do I Need It? In this video, we’ll focus on crime insurance and explain what it is, and why a separate crime policy is often needed for many businesses. Crimes can and do happen both inside and outside of your company’s four walls. To be certain that you’re protected for the proper limits of coverage you need, you should consider a stand-alone crime insurance policy. 💼 ...
Fiduciary Liability Insurance: Do You Need It?
Просмотров 100Месяц назад
Fiduciary Liability Insurance: Do You Need It?
Why Risk Diligence Makes Sense for Small to Mid-sized Deals
Просмотров 68Месяц назад
Why Risk Diligence Makes Sense for Small to Mid-sized Deals
Is a Cyber Endorsement to a BOP Sufficient?
Просмотров 76Месяц назад
Is a Cyber Endorsement to a BOP Sufficient?
The High Cost of Liability Claims - Is $1M Enough?
Просмотров 1232 месяца назад
The High Cost of Liability Claims - Is $1M Enough?
Lessons from Boar's Head Recall: Is Your Food Business Properly Insured?
Просмотров 1582 месяца назад
Lessons from Boar's Head Recall: Is Your Food Business Properly Insured?
Small Business Insurance | Hiscox Insurance Review 2024
Просмотров 3752 месяца назад
Small Business Insurance | Hiscox Insurance Review 2024
Insurance for Employee Lawsuits Against Employers
Просмотров 2053 месяца назад
Insurance for Employee Lawsuits Against Employers
Why is NY Contractors Insurance So Expensive?
Просмотров 1073 месяца назад
Why is NY Contractors Insurance So Expensive?
We're Hiring: Commercial Insurance Producers
Просмотров 1313 месяца назад
We're Hiring: Commercial Insurance Producers
The Crowdstrike Debacle and Cyber Insurance
Просмотров 1383 месяца назад
The Crowdstrike Debacle and Cyber Insurance
What is Captive Insurance? The Ultimate Hard-Market Solution?
Просмотров 2314 месяца назад
What is Captive Insurance? The Ultimate Hard-Market Solution?
Business Insurance in New York: Which is Best?
Просмотров 1524 месяца назад
Business Insurance in New York: Which is Best?
Business Insurance 101: Essential Coverage for New York Companies
Просмотров 1084 месяца назад
Business Insurance 101: Essential Coverage for New York Companies
Insurance for Professional Service Firms in NY
Просмотров 364 месяца назад
Insurance for Professional Service Firms in NY
Product Liability Insurance for Medical Device Companies
Просмотров 554 месяца назад
Product Liability Insurance for Medical Device Companies
Commercial Property Insurance for Small Businesses
Просмотров 1554 месяца назад
Commercial Property Insurance for Small Businesses
Life Sciences - Business Interruption Insurance
Просмотров 525 месяцев назад
Life Sciences - Business Interruption Insurance
Rockland County Business Insurance - Local Expertise
Просмотров 375 месяцев назад
Rockland County Business Insurance - Local Expertise
Insurance for Financial Advisors - Top 4 Policies Every Financial Advisor Needs
Просмотров 875 месяцев назад
Insurance for Financial Advisors - Top 4 Policies Every Financial Advisor Needs
Bakery Insurance - Everything You Need to Know
Просмотров 1195 месяцев назад
Bakery Insurance - Everything You Need to Know
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I would love a copy of your 10 point guidelines
How it works..what's the process
Assuming you mean what's the process of getting credit insurance? If that's the case, it starts with a conversation with our credit expert, he may ask you to complete an application, then we scour the marketplace for the right policy for your needs. Then we present our findings and get it in place. Hope that helps.
Great video! Can you tell about BBB insurance and blended policies with D&O + E&O + Crime + Cyber?
hey, thanks for your question. Not sure what BBB insurance is, but if you'd like to talk directly about a blended management policy, let me know.
I'm dealing with a similar situation will a Girl by the name of Taylor Soliday Vanslyke & her husband Cole Vanslyke they run several fraudulent websites throughout the internet among their forgery ring buyer beware here just a few benchcraft advertisement which is a fraudulent Golf Course advertisement that preys on contractors copycat Angie's lead formerly known as home advisory which is based in Colorado on Walnut Street which is not a legitimate site Max's Market Pro... if you're in the New York judicial 5 District Central New York plows and Mowz is also another fraudulent company that they operate to claim have three business fronts one being downtown in the formal money building... contact your local FBI office if you are a victim of any of these websites ..
What people need to know is that Liberty Mutual is a fraudulent, scheming gang of criminals.
Hiscox is a joke . Don’t get it . They just want your money .
so I’ve been in business since 2010 I’ve worked with Kevin Costner, Brad Pitt, American Express, target Taylor, Swift, Dapper Dan for the gap. I was referred to this company by a broker who works with the Hartford insurance and has insured my family’s property 14 houses @ddoc_homes for the last 20 years. I didn’t have this insurance long when I went on a trip to New York for a job and my place was burglarized I provided all the information extremely quickly, I answered every question truthfully, I was asked about claims that I had almost 8 years ago never had a fraud on my account. Nothing of the nature I’ve been treated horribly by this company. I had a supervisor Tracy McCormick speak to me like I was a little boy. I’m 47 year old blackman, and this lady talked at me like I was a child. She didn’t let me finish my sentence she was condescending. She said something that I believed was threat when I said my claim is 40 calendar days, and 60 days total with no end and no more information that I need to provide. I read a letter that she sent me via her subordinate stating that always needed was a letter from my landlord in terms of my lease that was provided I read the letter to her she actually spoke let me finish reading the letter told me I read the letter wrong and told me if she wanted to she could extend my claim by requesting a examination under oath. This is done when a person is not providing information or some of their information has been misleading. It’s an aggressive procedure built for claims that have areas of fraud. I asked her. Why would you do that? What have I done that has been inconsistent or incorrect. I got no answer. This has been horrible to my business. It’s been horrible to self-esteem. I’m still a customer with these people. Thecontentcampus.inc @thecontentcampus Further update after an investigator came to my home and I provided him all the information two weeks went by with no request of information for me and now this man has to meet with me again. I have canceled. The job. Totally canceled the job because in the insurance binder it states that if I don’t meet with him, they can deny my claim. Do you see how this works? Could you imagine how this feels ?
I have a Grading and land clearing business in tampa, Fl. They quoted me 60$ a month. Do you think it is legit? Who should i go with?
Garrett I’ve been doing this for 49 years, this policy is wrong with exclusions and no way would you pay $60 a month for a good policy for an excavator? I also find that the cheaper the company price the more likely they’re going to fight you want to claim or just deny a claim this is your business and your future you need to protect yourself
@@Tantasqua68 Thanks, i was expecting that.
I agree with Tantasua. Hard to tell who you should go with, without knowing all the details but I’d ask your competitors
This insurance company has been a disaster. I’ve had a claim with them for 60 days. Customer service was extremely rude and aggressive.
Thanks for your comment. I'm sorry you've had to experience this.
@@TheCoyleGroupNY for this to be a national insurance company the level of customer service is truly abysmal.
@@maxthomas9661 Very unfortunate as it gives the entire insurance industry a black eye.
I injured my knee at work and the doctor said that I have serious arthritis
My insurance was only $28 for a million coverage great rate
Good for you!
Luther Ways
NEXT is terrible. Literally terrible. They did everything they could to talk me out of me being their customer.
Thanks for the comment David - what sort of stuff happened?
Mr G this is a good one!
thanks Bob!
Hi Gordon! Thank you for your video. Can you explain to me WHY rates go up when the exposures go down? Is it to off balance losses? Is it to off balance the premium?
That's a hard one to answer without seeing all the facts - like the policies. It could be any number of reasons, but we're still in an increasing rate cycle so that may be the majority of the reason, even when exposures are down. Hope that helps.
🙌🏻👏🏻👏🏻👏🏻
Thanks!
Which form do I use to get General Liability, Umbrella and Workers Comp Insurance?
not sure I understand what you mean by "which form"?
Thank you
you're welcome!
Can you provide a hands on book
Walker Karen Harris Brenda Johnson Brian
Is this a good choice for a moving company?
I'm not sure what you mean buy a good choice? Moving companies do need General Liability Insurance as part of their insurance program though.
Thanks for the videos, Mr. Coyle! I have turned to you videos to help me understand coverages when things are hazy and to simplify how I explain coverages to my clients. You have been a great resource for me in my development as a new agent. 🙏
I really appreciate that comment, you made my day! Thanks!
Great explanation of cryptojacking! How can someone tell if their device has been compromised?
That would be a good question for an IT specialist. Thanks!
Super helpful
Thanks for the comment!
mi bu zsdZ
I appreciate how you break down your content. Selling Insurance in Canada, we have a few differences, but the concepts are the same and I can easily convert to the policies that we sell
Thanks for your comments! Appreciate it!
Excellent points!
Thank you Bob!
Great info! Thanks!
Thanks!
Hi can you advice me about book or online source that can cover per occurance or sir peroccurance or per aggregate with illustrated examples and calculations, my question is if sir per occurance one million and per aggregate 2 million what insured will pay and what insurance if claim is 1400,000 for example
Sorry for the delayed response, didn't see your question until now. Don't know of any books, unfortunately.
First comment!
I have once paid an WC audit bill of 23k dollars for a 78k 1099s payroll. WC is the reason my company cant grow.
not sure of your circumstances but one answer is to make your subs get their own insurance.
Oh please, employers and their insurers will do or say anything to avoid paying rightfully deserved claims. Delay delay delay.. we ought to be able to sue the claims adjuster for delay tactics . Sick of these fraudsters. Employers engage in fraud all the time Mine has tried to get me to sign backdated restriction papers so they can deny my TTD. Any employer on here is likely looking to screw an employee because they’ve decided in their big fat head that everybody is faking …and they say that because they are the ones engaging in fraud.
Doesn't it make more sense for company's to behave in an ethical manner rather then accept failure and pay an insurance company?
Absolutely correct! They suck. Suddenly they don't insure the Trades and refer you to Sticky after you spent all the time filling in your info. Tivly is a disaster.
What if it is a service business? We are electrical contractors and I just saw on the audit it shows products.
Good question. The General Liability Policy is broken into two parts. The first part is premises and operations, the second part is products and completed operations. For contractors, the second part focuses on completed operations, but the word products is still applied in the policy. Hope that helps
i need detail explanation about certificate insurance with images
Are you an insurance agent?
I am. Is there something I can help you with?
Good info thank you
You're welcome, thanks for the positive comment!
Thanks for the video. So say I'm doing business on location and my photo equipment got stolen - my personal property insurance wouldn't cover this? It would only be covered if I had an inland marine insurance policy? Thanks
Correct, most business owners policies only cover business property within like 1000' of your premiese.
I'm going with next only because I get 2m coverage for 25$ month. It covers bodily injury in or around, Food borne illness and 1 other thing I can't think of but fact remains I only needed those 2 things to be able to start selling food where I'm at.
Have you had any issues since then?
Thanks sir for clarity, can you please help me with 1. Trustable websites to check creditworthiness of a company with whom you are going to expand your sales? Please reply !
Not sure where to direct you for that, but I think I mentioned that with Credit Insurance, the insurer often gives their clients intel on customers and potential customer's credit worthiness
thank you to all the people working in insurance, so that we dont have to 🖖
Very helpful, easy to understand . kept is simple and direct. Thank you very much.
thank you Vincent!
Wonderful
Thank you!
My condo association has a BOP instead of a master condominium policy. The majority of owners including all board members rent out their units. The ratio of owner occupied vs non owner occupied/rentals is 2:6. I can’t find anything about a condo association-which isn’t a business and has nonprofit status- having or being able to have this type of insurance. The CC&Rs and bylaws are vague and outdated. I was affected by a sewage backup and water intrusion from a common area and the BOP covered nothing. My insurance covered nothing bc it wasn’t my fault. The unit across the hall from me was also damaged but bc he uses it as a rental non-owner occupied, he had coverage for his repairs under the BOP for damages that resulted in loss of rental income. I’ve been unhoused for seven months because the sewage backup and water infiltration resulted in confirmed toxic black mold and my entire downstairs was a complete gut job, and a large portion of my upstairs had to be torn out. The association has run out of money and they haven’t fixed all the damage caused by the sewage backup and water infiltration has caused in my condo. They are blatantly ignoring my emails and won’t speak to me. I’m only allowed to talk to the property manager. I own this condo outright and have lived there for four years. I don’t have the money to sue them or hire a lawyer and they know it. They however have a very high powered litigation attorney on their side who is unethical to say the least. Have you ever heard of anything like this? State of ME.
What are the suggested limits of liability?
Good Question, Bob! And, like a lot of insurance answers: "it depends". The minimum limits we will sell is $1m, but higher limits are recommended with the costs of a breach, hack or event continuing to escalate. A benchmarking peer report can also help determine limits.
I got hurt on the job a little over a week ago, hurt my back. Couldn’t walk for two days (I got hurt on Friday. The pain was excruciating until Monday) I went into work that Monday morning and the whole week and have been working with the pain , can I still talk to my employer about the comp or is it to late ? To be more clear today (Sunday) is 9 days after my incident and I have not told any one of my managers ( even though they can visibly see me walking with limp and the fact that I can’t really bend at the waist)
You should definitely talk to your employer as soon as possible.
I've been using next. 1owner LLC with no employees. 1 million in general liability and it's $29.50/ month.
that's a great price!
@@TheCoyleGroupNY how can i get that price i dont have employees and its only two owners.
How can i get that price its only me and my partner ?
I pay 130 for the exact same
@@Dasani1234567 that's odd. Is your scope of work inherently risky?
If Im a luxury real estate photographer and filmmaker, who also does other creative production services, should I get General Liability insurance or E&O? I don't have any employees
Based on what you've said here, I think you need both General Liability and E&O. If you'd like to chat further about it, call me at 845-474-2924