Many people think about insurance only after something goes wrong. A claim occurs. An accident happens. A loss disrupts operations. But the most resilient organizations take a different approach. They focus on risk management before problems occur. At CH Insurance , we believe the strongest businesses don’t just react to risk—they anticipate it, prepare for it, and continuously strengthen their operations. Because when organizations manage risk proactively, they become strong

Guide to Protecting Your Business Running a business requires vision, commitment, and resilience. But no matter how strong an organization becomes, every business faces risk. A customer injury. A fire damaging equipment. A cyber attack that shuts down operations. A workplace accident. These events can happen unexpectedly—and when they do, the financial impact can be significant. That’s why commercial insurance plays such an important role in protecting businesses across New

Protecting Your Organization in a Digital World Cyber threats used to be viewed as a problem primarily for large corporations or technology companies. Today, the reality is very different. Small and mid-sized businesses have become some of the most common targets for cyber attacks. Why? Because attackers know many organizations lack the same security resources as larger enterprises. At CH Insurance, we work with businesses every day to help them understand and manage digital

How the Right Benefits Strategy Helps Companies Attract, Support, and Retain Great Employees For many businesses, employee benefits have become one of the most important factors in attracting and retaining talent. Health insurance, financial protection programs, and wellness resources all play a role in helping employees feel secure and supported at work. A thoughtful benefits program can also strengthen company culture and improve employee engagement. But for small and mid-s

When business leaders consider workplace injuries, they often first think of medical bills or workers’ compensation claims. But the true cost of workplace injuries goes far beyond the initial incident. Lost productivity. Disrupted operations. Increased insurance premiums. Emotional impact on teams. The ripple effects can touch nearly every part of an organization. That’s why at CH Insurance , we approach workplace safety differently. Our role isn’t simply to provide workers

When a claim exceeds your personal insurance, your personal assets may be exposed. Personal umbrella insurance coverage adds an extra layer of liability protection

For most New York employers, 2026 compliance risk won’t come from a single sweeping change. Instead, it will come from a series of smaller but meaningful adjustments affecting wages, benefits, payroll deductions, unemployment costs, and reporting obligations. Individually, these changes may seem manageable; collectively, they demand planning. Below is a practical, employer-focused round-up of the most significant New York State payroll and HR issues for 2026, ordered from tho

Underneath the beauty of a fresh snowfall often lies significant underlying hazards to personal safety, property integrity, and business continuity. Winter is more than just a seasonal shift; it is a complex risk environment that demands proactive identification, assessment, mitigation, and monitoring. Adopting a formal risk management approach is crucial for transforming a potentially dangerous and disruptive season into a manageable operational challenge. As the temperature

In Your Corner on a commercial insurance claim loss means keeping things simple... and effective so we can get you back to business. How to make that process simple from loss to recovery...

Nobody plans for disaster. But when your home floods, your car gets totaled, or a tree crashes through your roof, knowing what to do in those first critical hours makes all the difference between a smooth resolution and months of frustration. At CH Insurance, we believe in being in your corner when it matters most—not just when you sign the policy, but certainly if and when you need to use it. The First 24 Hours: Take These Steps Immediately Document everything. Before you

New York State’s FY2026 budget includes a sweeping overhaul of the Unemployment Insurance (UI) system. The changes provide immediate cost...

Robust insurance coverage is a cornerstone of effective risk management for small businesses. A single uninsured event—such as a fire,...

What New York Parents Need to Know About Auto Insurance It’s that time of year—dorm supplies are piling up, campus maps are printed, and...

oseWel CHooseWELL with CH Insurance When it comes to supporting employees, most companies rely on an EAP (Employee Assistance Program)....

In a world where trust and reliability matter more than ever, two family-owned CNY local businesses - CH Insurance and Northside Collision - are teaming up to deliver unmatched confidence to Central New York drivers.

The NY Compensation Insurance Rating Board (NYCIRB) recently voted to file for a 13.2% decrease in overall workers' compensation loss...

In 2025, the Affordable Care Act (ACA) reporting saw a simplification with Form 1095-C only needing to be distributed upon request. . The...

Essential Coverage Every Family Enterprise Needs Small businesses are built on big dreams, and those dreams run even deeper when family...

Featuring Joe Courcy, Assistant VP, Group Benefits, CH Insurance For small business owners, navigating the complexities of group benefits...