Last Wednesday, we learned about different types of insurance for large & small businesses from our member Joe Zichittella:
Cyber Insurance: Small businesses are more vulnerable now than ever before.Large businesses have IT monitoring services making it more difficult to penetrate. Malware, Phishing, Employee errors, dishonest employees and failure to update software are some reasons Cyber Insurance is necessary.
EPLI (employment practices liability insurance): Covers sexual harassment, improper firing, and biased pay scale can cause a problem to an employer.
Business Owners Policy: Covers Liability and Property. Replacement Cost Value is the only policy I offer. Actual cash value is defined RCV less depreciation equals ACV.
Workers Comp: Employees injured while working on job. We have direct carriers that are less expensive than the NYSIF and provide a much better service.
Be Sure, Insure with Joe Zichittella an Independent Insurance Producer representing RPM Insurance Agency an Acrisure LLC Partner. Call Joe at 718-761-8900.