eryka asked:

I have 2 quotes for business insurance. One is based on payroll and one is based on sales. Comparitively, our payroll will increase more than our total sales will. The payroll quote is through an admitted carrier, while the sales quote is through a non-admitted, but A rated carrier. How do I decide which will be the cheaper one at the end of the year?

BlakJak asked:


During the colder seasons, if it applies to where you live, what happens to your insurance? Does the insurance provider or carrier extend the policy or what?

insure

BlakJak asked:


During the colder seasons, if it applies to where you live, what happens to your insurance? Does the insurance provider or carrier extend the policy or what?

insurers in new york state