Understanding Smoke Damage After a Fire Facing smoke damage in your apartment after a neighbor’s fire is unsettling. You worry about lingering odors in furniture, books, and your mattress. You’re weighing your insurance options and questioning who’s responsible for cleanup…
Payroll Workers’ Comp Insurance Explained If you run a business in New York City, Westchester, or Fairfield County, you already know how complex workers’ comp can be. Between up-front premiums, estimated payrolls, and surprise audits, it’s easy for coverage to…
Understanding Boat Insurance Requirements in New York Boat ownership in New York State comes with responsibilities. Although New York does not universally mandate boat insurance, there are specific situations and contexts where insurance becomes legally required or highly advisable. This…
Why Attorneys Need Wire Fraud Protection Wire fraud is one of the fastest-growing financial crimes targeting law firms. Attorneys who handle real estate closings, escrow accounts, or large fund transfers are prime targets for cybercriminals. Criminals use phishing emails, spoofed…
Protecting Rental Properties in New York, New Jersey, and Connecticut Renting out property can be a powerful wealth-building tool, but it also opens the door to serious risk. If you think your homeowners insurance has you covered, think again. Landlord…
The True Cost of Apartment Building Insurance in the Tri‑State Area Investing in apartment buildings in the tri-state area comes with high stakes and rising insurance costs. In New York, New Jersey, and Connecticut, multifamily property insurance premiums have surged over 30%…
In today’s fast-paced business environment, your employees are your most valuable asset and your greatest potential risk. Lawsuits tied to discrimination, harassment, wrongful termination, retaliation, and wage disputes are on the rise. Even the best-run businesses can face claims that…
Real estate investment is a journey that starts with a single property and a clear purpose. For landlords in the Tri-State area, that purpose often includes building generational wealth, providing quality housing, and creating financial freedom. Whether you’re preparing to…
Trusted Guidance for Clients in NYC, Westchester, and Fairfield In today’s complex insurance landscape, having an independent advisor is no longer optional, it is essential. Independent insurance agents deliver clarity, choice, and long-term protection. At Refine Risk, our independence allows…