Rammcy Corp

Rammcy Corp The partner who knows your business, protects what you've built, and is always just a call away. Serving NY + NJ since 2013. Bilingual EN/ES.

Workers Comp • General Liability • Commercial Property.

Just like your car needs regular maintenance, your insurance portfolio benefits from a routine check-up.As your business...
08/31/2026

Just like your car needs regular maintenance, your insurance portfolio benefits from a routine check-up.

As your business grows, hires new people, or adds locations, your coverage needs can change. We review your policies line by line to look for possible savings and to identify places where your risk might have outgrown your limits.

👇 Comment QUOTE below to schedule a quarterly coverage check-up with our team.

Construction costs in New York and New Jersey have changed a lot in recent years. If your home insurance limits haven’t ...
08/29/2026

Construction costs in New York and New Jersey have changed a lot in recent years. If your home insurance limits haven’t kept up, you could be underinsured.

Many homeowners discover after a loss that their policy limits aren’t enough to cover today’s cost of rebuilding. Reviewing your policy annually and understanding whether it’s based on replacement cost or actual cash value helps keep your coverage in line with reality.

Comment “REVIEW” to request a coverage review.

Construction costs in New York and New Jersey have changed a lot in recent years. If your home insurance limits haven’t ...
08/28/2026

Construction costs in New York and New Jersey have changed a lot in recent years. If your home insurance limits haven’t kept up, you could be underinsured.

Many homeowners discover after a loss that their policy limits aren’t enough to cover today’s cost of rebuilding. Reviewing your policy annually and understanding whether it’s based on replacement cost or actual cash value helps keep your coverage in line with reality.

Comment "REVIEW" and we’ll run a complimentary check on your current home limits.

Using a personal auto policy for regular business driving can create a serious coverage gap.If you or your employees use...
08/27/2026

Using a personal auto policy for regular business driving can create a serious coverage gap.

If you or your employees use a vehicle for deliveries, job-site visits, or transporting tools and equipment, personal auto insurance may limit or exclude coverage for those business activities. Commercial Auto policies are designed for vehicles used in your business.

If you’re unsure which policy your situation calls for, comment AUTO and we’ll help you sort it out. 👇

State-level changes in New York can affect how your business is classified and what you pay for insurance.Several indust...
08/26/2026

State-level changes in New York can affect how your business is classified and what you pay for insurance.

Several industries are seeing updates to how certain employees and operations are rated. Many business owners only hear about these changes when they see their renewal bill, which leaves little time to respond. We keep an eye on regulatory shifts so we can help you understand how they may affect your coverage and premiums.

Save this post or send us a DM with QUOTE to check your current classifications.

We want every client to feel informed, supported, and protected. Here’s what Ylorie shared about her experience with Ram...
08/25/2026

We want every client to feel informed, supported, and protected. Here’s what Ylorie shared about her experience with Rammcy Corp:

“The Rammcy Agency handled my inquiry with care from beginning to end. Fast, friendly, effective service. They provided me with the details necessary to make an informed decision, were readily available to answer my questions, and respond quickly to my requests. I feel like my business is in good hands.”
— Ylorie, NY

If you’d like that level of attention on your coverage, comment QUOTE and we’ll start with a quick review. 👇

We took our team off the grid for our annual company retreat. We spent time planning how to bring faster quotes, clearer...
08/24/2026

We took our team off the grid for our annual company retreat. We spent time planning how to bring faster quotes, clearer explanations, and even more attentive service to our New York and New Jersey clients.

A strong agency is built by people who care. We’re proud of our team, and we’re ready for the next chapter.

Paying Workers Comp in big quarterly chunks or one large audit bill can put real pressure on your cash flow.For some bus...
08/21/2026

Paying Workers Comp in big quarterly chunks or one large audit bill can put real pressure on your cash flow.
For some businesses, a pay-as-you-go Workers Comp arrangement where premiums adjust with your actual monthly payroll can help smooth those costs and significantly reduce audit surprises.

If your current agent hasn’t discussed pay-as-you-go options with you, it may be worth a second look. Comment QUOTE and we’ll show you how this setup works and whether it fits your business.

Misclassifying workers can turn your Workers Comp audit into a very expensive surprise.We recently reviewed a contractor...
08/20/2026

Misclassifying workers can turn your Workers Comp audit into a very expensive surprise.
We recently reviewed a contractor’s policy where three people doing employee-type work were coded as 1099 subcontractors. At the audit, the carrier treated them as employees and increased the premium by thousands of dollars after the fact.
Audit calculations don’t always match the assumptions made at quote time. We help catch these classification issues before the policy starts, not after the bill arrives.

Comment QUOTE and we’ll review your classifications before your next renewal.

A lot of business owners assume their General Liability policy covers “everything.” In reality, a standard General Liabi...
08/19/2026

A lot of business owners assume their General Liability policy covers “everything.” In reality, a standard General Liability policy usually focuses on third-party bodily injury and property damage.

It typically doesn’t cover employee injuries (that’s Workers Comp), professional advice or errors (that’s professional liability/E&O), or accidents in vehicles used for business (that’s commercial auto).

Knowing where your coverage stops is just as important as knowing where it starts. Comment QUOTE and we’ll walk through your GL limits with you.

Address

448 Old Post Road, Suite 448d
Bedford, NY
10506

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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