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Workplace Incident Investigations When a workplace accident happens in many companies, the injured worker reports to HR, their manager or some other responsible person so they can complete an accident report or initial report of injuries that is forwarded to their workers compensation insurance company.  And that’s the extent of documenting the incident. Unfortunately, there are

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In this video, I describe what The Coyle Group does for mid-market firms, and how we’ve differentiated our approach to business insurance. When we talk about mid-market firms that we target, we’re speaking about companies with revenues roughly in the $10M to $250M range.   These firms are in our sweet spot for a few reasons. The

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Tags: business insurance, middle market, risk management, total cost of risk

Continuing our discussion of the types of accounts The Coyle Group focuses on, today, we want to introduce three more practice areas. Hospitality Insurance   The first is our hospitality practice group.  This group includes hotels, restaurants, bars, cafés, caterers, and nightclubs.  For establishments serving alcohol, comprehensive protection from liquor legal liability claims, assault and battery

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Whether you own a small or large business, there are two big problems that decision-makers face when it comes to business insurance.  In my 35+ years as an insurance broker in New York, I’ve seen this over and over and the problem has really been created by the insurance industry itself. The first issue I want

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  The Coyle Group focuses on a variety of businesses for insurance in and around the Greater New York City area and beyond, and I thought diving a bit into different target markets and policy types would make sense. To start, let’s talk about commercial property insurance in New York. Commercial property insurance focuses on buildings

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So, what does Cyber Insurance cover? Cyber Insurance, for all practical purposes, is the only policy that will respond or cover your firm for losses that relate to a cyber event.  Cyber Insurance is a unique policy form, which typically should be purchased as a standalone policy to protect you and your firm from the claims which

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What's needed to quote D&O and E&O insurance for a hedge fund? For startup hedge funds, we're trying to make the proposal process easier.  In this post, we answer the above question on what's needed to get a quote. The first step is the completion of an application.   Just hearing the words "complete this application" can

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So, Who is Gordon Coyle?                   My LinkedIn profile gives a smidge of info about me, so I hope this post broadens that view. I am a third-generation owner of an insurance agency located in New City, NY (Rockland County) which was founded in 1929 by my grandfather Harry Coyle,

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The New York State Insurance Fund is a quasi-government organization that was formed in 1914 to act as the “market of last resort” for worker's compensation in New York. Market of last resort means that if your business couldn’t find an insurance company that would sell you workers comp coverage, you would go to the NY

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Tags: best workers compensation, New York State Insurance Fund, NY SIF, workers comp, Workers Comp New York, workers compensation insurance

The cost of worker's comp is driven by several factors.  The two biggest factors are the business you’re in and your payrolls.  We’ll discuss this and other rating factors below. To start with, every worker's compensation policy is based on categorizing your employees into classification codes.  Class codes are a standardized description of job functions with

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