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...

Across the world, interest in wellness is increasing. Searches for wellness-related topics like "seasonal depression," "meditation,"...

It seems like these days you can’t read an article or listen to a story without AI being mentioned. Whether we like it or not, AI is all...

As we move into 2025, employers in New York will need to stay on top of several new compliance changes that either recently went into...

A s we begin a new year, I want to take a moment to reflect on the incredible work we’ve accomplished together and share my excitement...

Join the CH Team! CH Insurance is hiring a Personal Insurance/Marketing & Customer Service Professional