If you took a survey and asked people questions about life insurance, you would find that most people don’t know a lot about it. It is not something that is talked about. You won’t hear it discussed around the family dining table or at the local bar. When the time comes to start thinking about getting your first life insurance policy you may feel out of your depth. That is why it is so important to have an insurance agent you can trust to steer you in the right direction. In Albany, NY that is NY Twin Bridges Insurance Agency. As an independent agency, they have access to more than 40 carriers and the knowledge to discuss life insurance coverage with you. 

How much life insurance is enough is different for every person. Experts have recommendations for the necessary amount but nobody knows your situation as well as you do. You need to consider your age, your financial situation and your liabilities. Many people get access to life insurance through their employers. This is a good thing but it shouldn’t be your only life insurance. Between 7 and 10 times your annual income if you have dependents is the recommended amount.

Ask yourself a few questions. Who depends on my income? How much debt do I have? Have I provided for my final expenses? Do I want to leave a legacy to anyone? The answers to these questions will affect the amount of life insurance that is enough for you. If you have no dependents, little debt and your final expenses are taken care of, you don’t need as much life insurance as someone who has a family and a mortgage. 

At NY Twin Bridges Insurance Agency in Albany, NY, we ask the right questions and give answers that make sense. Visit us at our office or call us to make an appointment to talk about your life insurance. 

If you’re a business owner in Albany, NY, then you should be familiar with commercial insurance. If you’re not, then you need to know at least the basics of commercial insurance as it’s vital to keeping your business safe and protected. Learn all about commercial insurance and how you can stay protected with NY Twin Bridges Insurance Agency. 

What Does Commercial Insurance Cover?

Commercial insurance, or business insurance, covers your business and business assets in the case of unpredictable outcomes. Here are some areas in which commercial insurance can provide coverage for you and your business: 

• Worker’s Compensation: One of the more popular areas of coverage, worker’s compensation covers an employee of your business if they were to be injured while on the business property. 
• Property Damage: If your business property or equipment becomes damaged, commercial insurance can provide financial coverage for the replacement or repair costs. 
• Liability: If you are at fault for damage sustained to someone else or their property, then commercial insurance can provide coverage. If someone tries to file a lawsuit, you may be entitled to coverage for legal fees. 

To know exactly what kind of coverage you are entitled to, contact NY Twin Bridges Insurance Agency for a consultation. 

Why Get Commercial Insurance?

Your building, equipment, and employees are just some of the very important aspects of your business. They act as the blood that keeps your business alive. It only makes sense to protect them in any way you can. Commercial insurance provides safety and security to help your business along in the worst of scenarios. 

Get the Coverage You Need with NY Twin Bridges Insurance Agency

To ensure that you and your business are protected, visit NY Twin Bridges Insurance Agency. Their office is located in Albany, NY, but you can contact them online to schedule an appointment.