The right commercial insurance policy can make the difference between a catastrophic event crippling your business and being able to bounce back without a huge effect on your bottom line. If you are a business owner in the greater Albany, NY area then it’s time to come talk to the team at NY Twin Bridges Insurance Agency. We are here to help you navigate the sometimes confusing and stressful process of choosing the right commercial insurance policy. It is incredibly risky for a business to be underinsured as the right insurance policy can make all the difference when it comes to outlasting the competition.

The Right Commercial Policy for Your Business

Determining the right commercial policy for your business is a unique experience because every business is different. There are a few features that make sense for most companies, such as protection for their inventory, vehicles, and equipment, in addition to coverage for their property. In addition, having protection from business interruption due to a covered event can be a lifesaver when it comes to overcoming the many unforeseen issues that can occur. When a company has the right commercial insurance policy, they can rest assured that a covered catastrophic event is much less likely to put them out of business! While there are no guarantees for the future, it makes sense to be as prepared as possible. When you have the right policy in place you are reducing the risk of your company going out of business due to an unexpected event.

The team at NY Twin Bridges Insurance Agency is proud to serve the insurance needs of the greater Albany, NY business community. If you are looking for an insurance agency that is knowledgeable and responsive to your needs call or stop by today!

Life insurance rates can vary widely from individual to individual. If you live in Albany, NY and have been curious about the things that can affect your life insurance rates, read on for some informative facts from NY Twin Bridges Insurance Agency.

Age

One of the biggest factors that can influence your life insurance rate is your age. By and large, younger people have less expensive life insurance rates than older people.

Health Status and Family Health History

If you are generally in good health, you will enjoy lower life insurance rates than someone who deals with troublesome health conditions. A family history of some diseases may increase your insurance rates.  Some things, like whether or not you have had cancer or whether your mother had breast cancer, you can’t help. However, other things you may be able to change. You can try to lose weight, lower your blood pressure, and keep tabs on chronic health problems before they cause long term damage to your body. Doing these things may improve your life insurance rate.

Driving Record

Having a good driving record leads to lower auto insurance rates, and it may also affect your life insurance rate. Your driving record reflects how careful you are, so having fewer tickets and accidents means a lower risk for the life insurance company and a lower rate for you.

Occupation

Some occupations have a higher risk of death. If you are a police officer or fireman, your job is riskier than someone who works as an accountant. Additionally, if you work in a more dangerous location, your premium may be higher.

Some things, like your age, occupation, family health history, and health status, you may not be able to change. However, other things, like your weight, driving record, and fitness status you can change. By making small changes in your lifestyle, you may be able to reduce your insurance premiums. If you have questions about your life insurance rate in Albany, NY, contact NY Twin Bridges Insurance Agency today.