New York’s ‘Indoor Allergen’ Law: What Landlords Need to Know
New York’s Local Law 55 of 2018 created additional obligations for owners of multiple dwellings (3+ units) when it comes to pests, molds and other allergens. Owners must perform annual…
Sewer Backup Coverage: A Building Owner’s Friend
If you've received our postcards, you may have noticed that our policies include sewer backup coverage. That's because backed-up sewers can cause a great deal of damage to floors, walls,…
2020 Insurance Fraud Hall of Shame
Falsely accusing restaurants and grocery stores of sickening their family for six-figure insurance payouts. Recruiting homeless people to stage accidents to collect big payouts. Insurance scammers are nothing if not…
Coinsurance: What It Is & Why You Don’t Want It
A coinsurance clause typically appears in the "Conditions" section of an insurance policy. If you're short on time, here's the bottom line: you don't want it. Coinsurance can take many…
A Landlord’s Guide to NYC Sidewalk Violations
New York City requires property owners to maintain the sidewalks adjacent to their properties. This requirement generally comes down to snow removal and sidewalk repair. Sidewalk violations The Department of…
A Winter Checklist for Landlords: 12 Tips to Protect Tenants and Property
The holidays may be over, but the winter storm season is just warming up. The next few months bring increased risks of slips and falls, burst pipes, and space heater…
Landlord Tips for Preventing Slips, Trips and Falls
Slips, trips and falls are no laughing matter. The National Safety Council reports that roughly 30,000 Americans die from falls each year, with most victims age 65 or older. According…
New York City Requirements for Snow and Ice Removal
Winter weather has finally arrived here in New York City. That means snow and ice are just around the corner. Building owners, tenants, lessees, occupants, or others in charge of…
How Working from Home Can Affect Your Insurance
Your office has closed, and you’re working from home. Or maybe you’re self-employed or running a side hustle from a home office. Whether you’re sitting at the kitchen table with…
Get Ready for New York City’s Heat Season
New York City requires building owners to provide tenants with heat and hot water. Heat requirements go into effect during "Heat Season," while hot water must be provided year-round, 24…