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woodflooring sanding

floors by seamus has been  serving nassau suffolk tri state area for 25 years specializing in  sanding refinishing staining in custom colors  installation of pre finished wood, laminate wood. friendly curtious owner operated prompt call   Seamus    516 313 6265    for free estmate check out my web site for portfolowww.floorsbyseamus.com

By Hardwood Flooring Specialists

Homeowners Insurance Basics (Page 1)

How is the cost of my homeowners insurance determined? A number of factors determine the cost of your homeowners policy, including the type of policy you choose; how much insurance you carry; and the size of your deductible.   The construction of your home or apartment also is a factor, as some buildings are more fire-resistant than others. Available fire protection in your community and where you live are factors too. How can I reduce the cost of my homeowners insurance? 

By Selective Assoc Inc

Business Employment Practices Liability. Does your Policy Cover You?

Chances are your current liabiltiy policy does not covere you for EMPLOYMENT-RELATED PRACTICES LIABILITY. The current level of workplace morale, the state of the economy, and legislation such as the Americans with Disabilities Act and the Family Medical Leave Act have all led to a marked increase in employment-related claims and lawsuits. These legislative and other legal changes have provided significant incentives for employees to file employment-related claims.  Employers should be more aware of their higher susceptibility to employment exposures. Claims can come from both current and former employees and job applicants. The procedures that you use or don't use in hiring, firing and managing your employees can translate into huge defense costs and legal awards to plaintiffs for your unintentional errors or oversights.  The cost for such covergage is minimal, however, an employment claim could be large enough to put you out business.  What is covered under this type of policy (Employment Related Practice Liability Policy)? As the name suggests, Employment-Related Practices Liability Coverage provides broad insurance protection from employment-related claims and lawsuits brought against your company, its managers and its directors and officers. It covers such things as age and gender discrimination, sexual harassment, wrongful discipline and termination and negligent decisions involving hiring, promotion and compensation. It also applies to breach of employment contract, emotional distress and mental anguish, invasion of privacy, libel, slander and mismanagement of employee benefits.Michael ChuberSelective Assocaites, Inc.516.546.5500michael@saiinsurance.com

By Selective Assoc Inc