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State Directory- Auto InsuranceChallenge: A client, who recently moved into the area, was concerned about spending too much for automobile insurance and thought they could eliminate coverage from our proposal. They were not entirely sold on the value of uninsured/underinsured motorist coverage. At Rosen & Company we believe that clients should not be without it. As such they secured the coverage as proposed.
- Inland Marine Insurance
- Home InsuranceChallenge: After completing a large renovation, a prospective client contacted us regarding homeowners insurance. When asked what prompted his inquiry he said that his current agent said $1 million was a sufficient replacement cost estimate for his home. His concern stemmed from his builders evaluation that in the event of a catastrophe the structure would cost $1.8 million to rebuild. The next week his house burned to the ground. The actual cost to rebuild was $2.2 million.
- Life InsuranceIf your policy is financed through a Premium Finance Company and you can demonstrate financial hardship due to COVID-19, they must provide a grace period before cancelling your policy for late payment of an installment. This grace period will be 60-days for a property/casualty policies and 90-days for a life insurance policy. You will be given a 12-month period to remit the installment. The Premium Finance Company may not impose late fees, report to any credit reporting agency or debt collector because of that deferred installment.
- Health InsuranceARMONK, N.Y. & ALBUQUERQUE, N.M.—(BUSINESS WIRE)— Nuvita, LLC, the innovative developer of customized results-based employee preventive and wellness solutions that improve health and can affect a business’ productivity and health insurance costs, announced today it selected Rosen & Company, Inc., as exclusive agent for the New York tri-state area. Rosen, a leading insurance and risk management firm, becomes Nuvita’s only agency serving this major metropolitan area.
- Disability Insurance
- Long Term CareHer primary role is the acquisition of new clients. She is a licensed Producer of Personal and Commercial Insurance as well as Life, Long Term Care, Disability & Group Benefits.
- Business Insurance
- Commercial Property InsuranceWhile some states have introduced bills to get insurance companies to pay for BI coverage, other states have stopped short and instead have asked insurance companies to submit information surrounding BI policies provided to insureds. On March 27, 2020, the California Department of Insurance followed suit and asked insurance companies to submit data by April 9 regarding coverage of commercial BI related to COVID-19. The New York State Department of Financial Services issued similar instructions on March 10, 2020, seeking explanations regarding the commercial property insurance each insurer has written in New York as well as details of BI coverage provided.
- Workers Compensation InsuranceChallenge: Rosen & Company assumed mid-term responsibility for an existing insurance program including a workers compensation plan written with the same carrier for the past three years. This manufacturer of fine textiles, maintained business operations in two locations: New York & New Jersey.
- Commercial Liability Insurance
- Professional Liability InsuranceWe customize the following list of coverage offerings to cover most, if not all, the insurance needs for our corporate clients: Automobile Directors & Officers Employment Practices Liability Environmental Fidelity & Surety Fiduciary Liability Flood General Liability Kidnap & Ransom Inland Marine & Ocean Cargo Professional Liability Property Travel Accident Umbrella/Excess Liability Worker's Compensation Workplace Violence
- Liability Insurance
- Flood InsuranceDuring Super Storm Sandy, 30% of people with flood damaged property were without flood insurance, and 54% of homeowners in Sandy’s direct path experienced some sort of property damage.