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February 26, 2010  
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  > Long-Term Disability (LTD)
Long-term-disability plans provide income for an individual who cannot work because of an illness, disease, or non-occupational injury. Most plans require that the individual be a full-time employee for at least one year before the disability coverage applies.
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  > Earthquake coverage
Quake coverage is available as additional coverage to standard commercial property and casualty policies. Earthquake coverage is available throughout Washington state, although it is relatively expensive for masonry structures and business operations with high-risk inventory or equipment.
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  > Dependent Property
This refers to a kind of business-interruption endorsement on a commercial policy that protects you from financial losses caused by problems somewhere other than your business. “Dependent property” is defined as property not owned, operated or controlled by you but on which you are dependent for normal business operations.
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New York Insurance Advisors.com is the only exclusive Insurance-Advisor directory online. Not only do we offer this unique service as an exclusive listing for insurance advisors across the country, we also provide news articles from around the nation. New York Insurance Advisors.com 's resource center includes a user-friendly interface, frequently asked questions, statistical data, and a 24-hour emergency assistance program. We provide content that is important to any potential user searching for an insurance advisor. We consider ourselves a one-stop insurance advisor shop.

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Our philosophy is simple. We use an exclusive user-friendly zipcode program to eliminate the competition between insurance advisors around the country. For example, when a potential client enters a keyword phrase in Google, they will see our paid sponsorships and organic results listed in Google. The potential client can then click on our banner ad to be routed directly to our homepage. Once at our homepage, the potential client will be prompted to enter their zipcode for immediate assistance. The zipcode program refers potential clients only to insurance adivisors listed on our site with an exclusive listing. Our clients are featured on New York Insurance Advisors.com with a professionally designed website by swidigital.com - a full service multimedia and advertisement company.

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Did You Know?    
 
 
There are several areas of risk that you should consider if you operate a business in your home.
These include: Business-related personal property coverage (computers, furniture, etc.) Inventory Off-premises coverage for business-related personal property Business property of others accounts receivable (up to a specified limit) Liability coverage may include personal injury, products and completed operations, incidental contractual liability, and general commercial liability. Electronic data processing coverage Valuable papers Business interruption and extra expense
 
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