With Americans living longer, the need for long term care is great. 70% of people turning 65 can expect to use some form of long term care during their lives.

Cybercrime has been rising significantly over the last several years.   It’s probably on the list of “things that keep me up at night” for most business owners.   There are ways to address concerns about cyberattacks and cybercrime, with cyber insurance being one of them.  We’ve been talking to business owners about cyber insurance for about the last decade, and many of our customers have decided to 

The need for life insurance is greater than ever. The Covid-19 pandemic has not only affected our daily lives, it has also prompted many of us to reassess our physical and financial well-being. This has led to an increased awareness of the need for life insurance. However, the number of Americans with life insurance has continued to decline. Why is this?

The pandemic has changed how many businesses, including medical practices, do business.  More people are working from home, using home networks and sometimes personal devices, which tend to be less secure than dedicated office networks and equipment.  We are all increasingly reliant on online communication tools, with people working from different locations and some face-to-face interactions limited.  The use of telehealth services has grown exponentially since the pandemic started.  All of these changes – resulting in more business taking place online -- translate into...

Celebrating 100 years in business. Buffalo Business First article regarding the family business. 

It’s now been about two years since the #MeToo movement exploded.  It’s clear that all employers and supervisory employees have to work to prevent and address sexual harassment, which has existed for too long in many workplace cultures.  While being mindful of these responsibilities, business owners and managers also need to consider the potential financial ramifications for our own businesses and workplaces.  This is especially true in New York, where new laws...

With more physicians now employed by hospitals and large groups, there are more physicians with employer-provided insurance benefits available to them than in the past.  Often, these employment benefits include group Long Term Disability (LTD) insurance.  While this is a valuable benefit, most physicians should...

This is the second article in a two-part series about comparing insurance policies.  In the first article, I discussed the challenges involved in comparing different disability policies and different life insurance policies. Below I discuss other types of policies and make additional recommendations for when you are comparing one policy with another.

We frequently speak with customers who are comparing various insurance policies to determine which one to purchase.  Comparing proposals for different policies can be more difficult than meets the eye, as I discuss in this two-part series of articles.

If you are a sole practitioner or in a small firm, chances are that you don’t have disability insurance through your firm. You need to secure disability insurance so that, if you got sick or injured and couldn’t work, you’d be able to pay your mortgage or rent, make your student loan payments, or pay your children’s tuition. 

The last year has seen near-constant revelations of sexual misconduct by high-profile individuals, such as Harvey Weinstein, Matt Lauer, and Charlie Rose, in the workplace, giving rise to the “#MeToo” movement.  This movement has emphasized that all employers and supervisory employees have to work to prevent and address sexual harassment, which has existed for too long in many workplace cultures.  While being mindful of these responsibilities, business owners and managers also need to...