Astoria Risk Services Inc.

10/20/2026

Your bills don’t take time off when you can’t work.

If an illness or injury interrupted your paycheck, how long could your savings cover rent, groceries, and everyday expenses?

Disability income insurance can help replace a portion of your income during a covered disability.

Contact Astoria Risk Services to explore options that fit your needs and budget.

📩 [email protected]
🌐 astoriars.com

Benefits, waiting periods, exclusions, and eligibility vary by policy.

10/17/2026

ONE AGENCY. MANY INSURANCE SOLUTIONS.

At Astoria Risk Services (ARS), we help individuals, families, and business owners protect what matters most.

Whether you're looking for new coverage, reviewing an existing policy, or comparing insurance options, we're here to help!

PERSONAL INSURANCE
✔ Auto Insurance
✔ Homeowners & Renters Insurance
✔ Condo & Landlord Insurance
✔ Umbrella Insurance
✔ Life Insurance – Term & Whole Life

BUSINESS INSURANCE
✔ General Liability Insurance
✔ Commercial Property Insurance
✔ Business Owners Policies (BOP)
✔ Workers' Compensation Insurance
✔ Commercial Auto & Trucking Insurance
✔ Professional Liability (E&O)
✔ Commercial Umbrella & Excess Liability
✔ Contractors & Construction Insurance
✔ Cyber Liability Insurance
✔ Inland Marine & Equipment Coverage

Independent Agency. Personalized Service. Multiple Insurance Options.

Already insured? It's always a good idea to review your coverage and make sure it still meets your needs.

📞 347-300-5598
🌐 www.astoriars.com

Astoria Risk Services — Helping You Protect What Matters Most.

10/15/2026

✨ **WE'RE GROWING!** ✨

At Astoria Risk Services, protecting what matters most goes beyond your home or business.

We're excited to expand our services to help individuals and families protect their loved ones, their income, and their financial future.

We're now offering assistance with:

❤️ Life Insurance– Protect your loved ones and provide financial security for the future.

🏡 Long-Term Care Insurance – Help prepare for the potential costs of care as you age.

💼 Disability Insurance – Protect your income if an illness or injury prevents you from working.

Whether you're looking to protect your family, plan for the unexpected, or explore your coverage options, we're here to help!

📞 (347) 300-5598
🌐 www.astoriars.com
📧 [email protected]

Astoria Risk Services
Protecting What Matters Most.

Jersey

10/02/2026

When was the last time you actually reviewed your insurance policies? 👀
A lot can change in a year — your business may grow, you may hire employees, purchase equipment, add vehicles, renovate a property, or make other changes that affect your insurance needs.
But your insurance coverage doesn't automatically update every time something changes.
Before the end of the year, it's a good idea to review:
✔️ Coverage limits & deductibles
✔️ Business operations
✔️ Property values
✔️ Equipment & inventory
✔️ Employees & payroll
✔️ Vehicles & drivers
✔️ Liability and Umbrella/Excess limits
We break down 7 important insurance items business and property owners should review in our latest Astoria Risk Services blog.
🔗 Read the full article:
https://astoriars.com/f/7-insurance-items-business-property-owners-should-review
Astoria Risk Services
Business • Contractors • Property

09/26/2026

09/20/2026

🛠️ CONTRATISTAS DE NYC — ¿Necesitas ayuda para obtener tu Licencia de Contratista de Mejoras del Hogar?
Astoria Risk Services puede ayudarte a navegar el proceso para obtener tu Licencia de Contratista de Mejoras del Hogar de NYC.
Si estás comenzando tu negocio de construcción o ya estás trabajando y necesitas obtener tu licencia, puedo orientarte con el proceso, los documentos necesarios y los próximos pasos.
Y como nos especializamos en seguros para contratistas, también podemos ayudarte con los seguros que pueda necesitar tu negocio.
No dejes que el papeleo te impida seguir creciendo tu negocio. 👷‍♂️🔨
📧 [email protected]
🌐 AstoriaRS.com
Astoria Risk Services
Negocios • Contratistas • Propiedades

09/20/2026

🛠️ NYC CONTRACTORS — Need help getting your Home Improvement Contractor License?
Astoria Risk Services can help you navigate the process of obtaining your NYC Home Improvement Contractor License.
If you're starting your contracting business or you're already working and need to get properly licensed, I can help guide you through the process, required documentation, and next steps.
And since we specialize in contractor insurance, we can also help with the insurance coverage your business may need.
Don't let the paperwork keep you from moving your business forward. 👷‍♂️🔨
📧 [email protected]
🌐 AstoriaRS.com
Astoria Risk Services
Business • Contractors • Property

09/18/2026

🚨 What if your business couldn’t open tomorrow?

A burst pipe. Water damage. Damaged equipment or inventory. Suddenly, your doors are closed.

Most business owners immediately think about whether insurance will pay for the physical damage.

But what about the income you’re losing while you can’t operate? 👀

Business Income coverage may help replace lost income and certain continuing expenses when your business has to temporarily close because of a covered loss.

And remember: not all water damage is treated the same. A burst pipe, sewer or drain backup, storm-related water and flooding can involve very different coverage.

The best time to find out what your policy covers is before you need to use it.

Not sure how your current business policy would respond? Let’s take a look.

📧 [email protected]
🌐 AstoriaRS.com

Astoria Risk Services
Business • Contractors • Property

09/14/2026

💎 LOCAL BUSINESS SHOUT-OUT! 💎

Today, Astoria Risk Services is showing some love to ✨

Just look at these gorgeous pastel sapphires! 😍
Supporting local businesses isn’t just about shopping local — it’s about recognizing the people and businesses that bring something special to our communities.
If you’re looking for beautiful jewelry or something a little different, check them out and give them a follow! 💍✨

Chandan Jewelers New York 💎

From one business owner to another — wishing you continued success! 🙌

Astoria Risk Services
Business • Contractors • Property

AstoriaRiskServices

09/14/2026

Buying a business? Don’t leave the insurance until the week of closing. 😬

You found the business.
Negotiated the price.
Reviewed the financials.
Signed approximately 847 documents. 😂

Then someone asks:

“Is the insurance in place?”

That question can be more complicated than it sounds.

Depending on the type of business, you may need:

🏢 General Liability — for certain third-party bodily injury and property damage claims
🔑 Commercial Property — for the building, contents, equipment or inventory
👷 Workers’ Compensation — if you have employees
🚗 Commercial Auto — if vehicles are used in the business
💻 Cyber Liability — for certain cyber incidents and data breaches
📋 Professional Liability / E&O — if the business provides professional services or advice
☂️ Umbrella / Excess Liability — for additional liability limits

And when a loan is involved, the lender may have its own insurance requirements that must be satisfied before closing.

That’s why the goal shouldn’t be to simply find “a business insurance policy.”

The coverage should fit the business you’re actually buying — and the requirements of the transaction.

Buying a business, selling one, or reviewing the insurance on a business you already own?

📧 [email protected]
🌐 AstoriaRS.com

Astoria Risk Services
Business • Contractors • Property