Accidents are a part of life. So, as the owner of a company or business, you pay not for your injuries or disabilities but also for your employees. It is mandatory under the laws of New York City/ New York State. To escape huge bills coming your way after an accident, you need to get Disability Insurance in NYC. As the owner of any company, you need to provide different benefits to all eligible employees.
Additionally, securing business insurance quotes can help you find the right coverage to protect your company from unforeseen risks and liabilities.
Disability income insurance For Small Business Owners
- Whether you want Insurance for disability for Small businesses or other suitable insurance, our agents are always happy to help. Moreover, we have been in the field for a long time and try to provide the best-rated insurance policies to our customers.
- Choosing the right insurance for disability is not an easy task in NYC/NYS. It is because many companies provide the same services. Therefore, you need to choose the best one. No matter how expert you are and how brilliantly running your business, you will also get confused between so many offers and rates.
We help you in picking out cheap disability coverage, which offers low rates and provides the best benefits. As a insurance agency, we have helped many business owners land on the perfect disability income insurance in New York City.
Best Disability Coverage Brokers and Agents in New York City Area
- To completely understand the disability coverage plans, you need to know how this insurance works in NY. Legally, there are two types of disabilities, long-term and short-term. The New York laws cover both kinds of injuries. Short-term and long-term disability Insurances are very different from each other, and until you are not purchasing both of them, you might be at risk of paying high amount than needed.
- If any of your employees gets injured or disabled at any point, you are obliged to pay them for the time off that they take to recover. Furthermore, you also need to stipe something to their families depending upon the employee’s designation that just got disabled.
- Average disability coverage costs can be high. So, if you do not take help from any broker, the insurance companies may not give you the right guidelines. In this case, you may need to pay a lot even when it is not needed.
- A broker like Smart Apple makes sure that you are getting disability benefits in New York and gives you the perfect Disability coverage quotes.
- We have some leading insurance companies that work as our partners. With their help, we can serve you with the best and most competitive rates in disability insurance coverage in New York State/ New York City/ New York.
- If you are not getting the best disability coverage for business owners, in a simple accident too, you will have to pay thousands of dollars.
What if I do not pay for the Disability Insurance Coverage?
- The New York laws are very strict when it comes to the rights of the employees. Even if a single person is your employee, you need to give him all the rights that he deserves under the law. You also need to solve all his work-related problems.
- If you own even a small business consisting of around ten people, you must get disabilities insurance. For instance, if you refuse to pay for the employees as per the laws, you will not only be breaking the civil laws but in some cases, a criminal case can also be filed against you.
- New York City gives full rights to all the employees to claim the money, and instead of paying it on your own, you can have an insurance agency pay for you.
- The rates of disabilities insurance can vary according to the business you own.
Area Also We Cover
Contact Smart Apple Insurance Brokerage Agency For Affordable Disability Income Insurance Rates
Smart Apple is a disability income insurance agency based in Jamaica NY. Call us at (718) 523-5353 or email at info@smartapple.us. For an instant Quote fill out this quote form. We provide our services in five boroughs including Manhattan, Bronx, Brooklyn, Queens, Staten Island in the New York City area to help you get your business and employees insured with the best disability coverage.