A better-informed starting point
Useful resources.
Clearer questions.
Prepare for a consultation and explore official insurance information without getting lost in the terminology.
Before we talk
Your consultation checklist.
A little preparation can help organize the conversation. Start with high-level information rather than sensitive documents.
Start your consultation inquiry ↗- Your business name and a plain-language description of your work.
- The states and locations in which you operate.
- Your general workforce size and working arrangements.
- Premises, essential equipment, stock and business vehicle use.
- Existing policy types and upcoming renewal dates, if relevant.
- Insurance requirements in leases or client contracts.
- The questions, changes or concerns you want to address.
Do not send Social Security numbers, medical records, banking details or confidential client files in an initial inquiry.
Official information
Go to the source.
The following independent resources can help you understand common insurance topics and locate current regulatory guidance.
Insurance information for small businesses
A state regulator’s overview of common business insurance categories, policy considerations and questions for insurance professionals.
Visit New York DFS ↗Workers’ compensation coverage requirements
Official guidance for reviewing employer coverage requirements and circumstances that may need a closer look.
Visit the Workers’ Compensation Board ↗Disability benefits and Paid Family Leave
A separate official starting point for New York disability and Paid Family Leave coverage questions.
Review disability and leave guidance ↗Business insurance fundamentals
The Small Business Administration’s starting point for understanding common business insurance categories.
Visit the SBA resource ↗Cybersecurity and insurance questions
Consumer and small-business information from the National Association of Insurance Commissioners.
Visit the NAIC resource ↗Bring your questions with you.
Use the checklist to start a more focused conversation.