Horan Companies - "The Insurance Place"

09/08/2026

Do your employees ever use their personal vehicles for work errands in Central New York? If so, your business may have a coverage gap you didn’t expect.

https://horaninsured.com/blog/hired-and-non-owned-auto-insurance-cny-businesses

In the link above, we explain how hired and non-owned auto insurance works and why it’s worth reviewing, especially for businesses in Syracuse, Baldwinsville, Fayetteville, and across CNY.

✔ When personal auto coverage may not apply
✔ What “non-owned” and “hired” vehicles mean
✔ Which businesses commonly face this exposure
✔ How coverage is typically structured

📍 Horan Insurance – Serving Greater Syracuse & Central New York

Hired and non-owned auto insurance fills a critical gap for CNY businesses whose employees drive personal vehicles for work.

09/07/2026

Commercial Ordinance or Law Coverage: What It Adds to a CNY Business Property Policy

A commercial property policy doesn't always cover code-driven rebuild costs. Here's what ordinance or law coverage adds, what triggers it, and what it leaves out.

09/04/2026

If your business relies on vehicles, commercial auto insurance is more than a checkbox, it’s part of how you manage risk as you grow.

In Central New York, we see many businesses using personal vehicles for work without realizing how that can impact coverage. As operations expand, so do the variables: drivers, vehicles, routes, and exposures.

https://horaninsured.com/blog/guide-to-commercial-auto-insurance-central-new-york

This article walks through:
• What commercial auto insurance is and why it matters in NY
• Key coverage types and optional considerations
• What insurers typically look at when evaluating a policy
• How to manage your policy as your business evolves

Whether you’re running a small team in Baldwinsville or managing a fleet across Greater Syracuse, it’s a helpful overview to keep in mind.

This guide provides essential information on commercial auto insurance in Central New York, helping businesses navigate this vital policy with ease.

09/03/2026

At Horan Insurance, it’s not just about policies. It’s about people. Our clients appreciate the care and attention they receive. From clear communications to thoughtful follow-through, they feel supported every step of the way.

We’re proud to be the kind of agency that listens, responds, and shows up when it matters most. Because treating people well isn’t a bonus—it’s the standard!

09/02/2026

Care, Custody, or Control: The Liability Gap for CNY Businesses Responsible for People

“Care, custody, or control" means something different for a person in your business's care than for property. Here's how the two senses differ and which CNY businesses carry each exposure.

09/01/2026

If your workers’ comp premium keeps increasing, you’re not alone.

Many Central New York business owners are surprised to learn that a key factor behind pricing isn’t just claims—it’s something called the Experience Modification Factor (EMR).

https://horaninsured.com/blog/experience-modification-factor-workers-comp-premium-new-york

This guide explains:
✔ What the EMR is and how it’s calculated
✔ Why small, frequent claims can have a bigger impact than expected
✔ What goes into your annual calculation
✔ Steps businesses can take over time to better understand and manage it

Whether you’re a contractor in Syracuse, a manufacturer in North Syracuse, or a landscaping business in Onondaga County, this is an important piece of the puzzle when reviewing your workers’ comp policy.

The experience modification factor directly affects your workers comp premium in New York. Here's how it's calculated and how to manage it.

08/31/2026

Abuse and Molestation Liability Coverage for CNY Childcare and Youth-Serving Businesses: What General Liability Actually Excludes

General liability often excludes or sublimits abuse and molestation claims. Here's how the coverage gap shows up for CNY childcare centers, youth sports leagues, and enrichment programs — and what dedicated coverage typically addresses.

08/28/2026

If you run a business with multiple locations in Central New York, here’s something worth thinking about 👇

Most businesses set insurance limits for each location separately. But what happens if one location has a bigger loss than expected… and another location has unused coverage?

That’s where multi-location blanket coverage comes in.

https://horaninsured.com/blog/multi-location-blanket-coverage

This article breaks it down in plain terms:
✔ How coverage can be shared across locations
✔ How it compares to individual site limits
✔ What to consider as your business grows or changes
✔ Why keeping track of property values matters

If you have locations in Syracuse, Baldwinsville, Liverpool, or anywhere in CNY, it’s definitely worth a quick read.

Multi-location blanket coverage pools business personal property limits across all sites for flexibility. Learn how it works for CNY businesses with multiple locations.

08/27/2026

Families. We are proud to say we take care of people and their families, truly protecting what matters most. Learn more about our personalized approach to insurance solutions at horansolution.com

08/26/2026

Licensed Commercial Childcare Center Insurance in Central New York: What Changes When You Grow Beyond At-Home Daycare

A licensed commercial childcare center in CNY isn't just a bigger at-home daycare. Here's what changes in your facility, staffing, and enrollment — and the insurance that follows.