Monica Liang-Allen Insurance Professional 梁藝瑩

Monica Liang-Allen Insurance Professional 梁藝瑩 Joining World Insurance Associate's team can further my goal to providing the utmost professional service and insurance advisement to my clients.

Licensed insurance professional and client advisor with over 20 years of insurance experience in Commercial Property and Casualty, Personal lines and Employee Benefits. With my 17 years of insurance sales experience, I focus in risk management solutions for primarily businesses (Commercial Property & Casualty) and personal lines (high-value homes, investment properties, auto, umbrella, valuables c

overage). Whether you are a new start-up business with various questions on how a business owners package policy can help protect your business or a well-established company who has very specific insurance needs, I have the expertise to give you the insurance advice that is catered to your company's unique needs. World Insurance Associates LLC is an independent insurance agency headquartered in Tinton Falls, NJ. It offers extensive, cost-effective personal and business insurance solutions in all 50 states. The company specializes in group benefits and insurance for transportation companies, the hospitality industry, coastal properties, and high net worth individuals in addition to general commercial clients in diverse industries. World Insurance Associates began business in 2012 and is licensed in all 50 states, so no matter where your business is located, we are able to help. World Insurance has over 200+ locations in 30 states and is ranked #53 in Business Insurance 100 Largest Brokers. World generated $81 Million of revenue in 2020 and $275 Million in run-rate revenue. They serve over 200,000+ clients. I am based out of their Financial District office in Downtown Manhattan. As an avid networker, I founded my own niche networking group (CBA Networking Group) in August 2015 and participate in various networking associations in both New York City & New Jersey. I am currently the President of her BNI Chapter 34 based in Manhattan, NYC. In my spare time, I enjoy dining in restaurants, cooking at home, gardening, travel, and creating art.

𝐎𝐧 𝐭𝐡𝐢𝐬 #𝐖𝐞𝐥𝐥𝐧𝐞𝐬𝐬𝐖𝐞𝐝𝐧𝐞𝐬𝐝𝐚𝐲, 𝐢𝐬 𝐲𝐨𝐮𝐫 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 𝐥𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐏𝐄𝐎 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬? 𝐈𝐟 𝐬𝐨, 𝐰𝐞 𝐜𝐚𝐧 𝐛𝐞 𝐨𝐟 𝐡𝐞𝐥𝐩 - 𝐖𝐞 𝐰𝐨𝐫𝐤 𝐟𝐨𝐫 𝐲𝐨𝐮, 𝐧𝐨𝐭 ...
08/26/2026

𝐎𝐧 𝐭𝐡𝐢𝐬 #𝐖𝐞𝐥𝐥𝐧𝐞𝐬𝐬𝐖𝐞𝐝𝐧𝐞𝐬𝐝𝐚𝐲, 𝐢𝐬 𝐲𝐨𝐮𝐫 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 𝐥𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐏𝐄𝐎 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬? 𝐈𝐟 𝐬𝐨, 𝐰𝐞 𝐜𝐚𝐧 𝐛𝐞 𝐨𝐟 𝐡𝐞𝐥𝐩 - 𝐖𝐞 𝐰𝐨𝐫𝐤 𝐟𝐨𝐫 𝐲𝐨𝐮, 𝐧𝐨𝐭 𝐭𝐡𝐞 𝐏𝐄𝐎.

𝖶𝗁𝖺𝗍 𝗂𝗌 𝖺 𝖯𝖤𝖮?
A PEO is a Professional Employer Organization plan which combines payroll, workers compensation, group health dental and voluntary benefits into one.

𝐑𝐞𝐜𝐞𝐧𝐭 𝐏𝐄𝐎 𝐬𝐮𝐜𝐜𝐞𝐬𝐬 𝐬𝐭𝐨𝐫𝐢𝐞𝐬 𝐟𝐫𝐨𝐦 𝐨𝐮𝐫 𝐜𝐥𝐢𝐞𝐧𝐭𝐬:
👉 Implemented a new PEO for a 70-employee group (Financial Firm) in NYC starting 6/1/26 with considerable savings from the prior PEO they were with.
👉 Switched a 25-employee group (law firm) in NYC from one PEO to another effective 7/1/26 with considerable savings off the monthly PEO admin fee.

𝖶𝗁𝗒 𝗐𝗈𝗋𝗄 𝗐𝗂𝗍𝗁 𝗎𝗌 𝖿𝗈𝗋 𝖯𝖤𝖮𝗌?
- We market your group to top PEO vendors at no cost to you because we get paid directly by the PEOs.
- We're independent - so we are not tied to just one PEO and our goal is to find the one that best suits your business.
- We compare competitive PEO solutions for you to fit your company's needs and budget.
- Once you decide to proceed, we help guide the implementation to make it as smooth and stress-free as possible.
- Unhappy with your current PEO? We help remarket it for you to find broader PEO options that are available.

𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄?
We have PEO options for small/ medium sized businesses with just 5 enrolled employees to larger businesses with a few hundred enrolled employees.

Let me know if my team and I can help you find the right PEO solution for your business!

Monica Liang-Allen 梁藝瑩,保險經紀人
World Insurance Associates LLC

When a company treats a worker as an independent contractor who legally qualifies as an employee, it opens itself to lia...
08/24/2026

When a company treats a worker as an independent contractor who legally qualifies as an employee, it opens itself to liability across tax, wage and hour, and insurance lines.

This exposure extends beyond HR; it can raise governance concerns and affect both employment practices liability (EPLI) and directors and officers liability (D&O) coverage under a Management Liability policy.

Following my presentation last week on Management Liability coverage (D&O and EPLI) for non-profit organizations - this article provides insights on what the implications are when companies misclassify their workers and specific tips on how to reduce the risk exposure of claims in these specific policies.

Problems arise when a contractor relationship looks more like employment in practice than on paper. A worker who follows a set schedule, uses company equipment, receives ongoing assignments and performs work that is integral to key operations may be more likely to be treated as an employee under applicable legal standards, regardless of what the contract says.

In addition to D&O and EPLI coverage, workers misclassification can also complicate workers’ compensation issues as well. If an injured contractor is later determined to have been an employee, the business may face workers’ compensation disputes, additional premium assessments, penalties or other liabilities, depending on state law and the circumstances of the claim.
insurance
World Insurance Associates LLC

08/21/2026

And that is a wrap - it was great to have the opportunity to present to my BNI Mighty 34 Networking Group yesterday morning on different commercial insurance policies for one of my non-profit clients, Empire AI Consortium.

Our non-profit client had been introduced to us at World Insurance Associates last year in early 2025 and we helped advise and implement different commercial insurance solutions to protect their company's mission. With our guidance and expertise, we helped them identify potential risks and ways to protect against them - Management Liability (D&O, Employment practices liability), General Liability, Umbrella, Commercial Property, Tech E&O, Cyber Liability, PEO/Group Employee Benefits, Builders Risk and Owners Interest Liability policies for a course of construction.

It was also great to induct a new member to our BNI Chapter that morning as well - a big welcome to Scott Higgins, Esq., Real Estate Attorney from Varvara & Higgins PLLC.

A special birthday surprise for two of our long-term members, Jimmi Circosta & Susanne Schropp! Wishing you both a very Happy and Special Birthday.

Thank you to both Beth Broyles & Susanne Schropp for capturing the photos of me while I was presenting and I appreciate all the wonderful testimonials from our members during the meeting.

I have been a member of my BNI Mighty Chapter 34 Networking group for over 12 Years because this kind of networking works. If you are interested in joining us for a meeting, let me know - we meet primarily on Zoom each week on Thursday, but have 6 in-person meetings in Manhattan in a year.

Monica Liang-Allen 梁藝瑩,保險經紀人
World Insurance Associates LLC
BNI Chapter 34

08/19/2026

✨ Walking Wednesday 🚶🏻‍♀️ Keeping my sales pipeline full with meetings with potential prospective business clients.

I walked to Hudson Yards New York for a meeting with a property manager to discuss commercial insurance for a small boutique condo building (homeowners association) on the upper west side. The HOA & Condo board felt that their insurance broker had not marketed their commercial insurance policies (Commercial General Liability, Commercial Property, D&O for the board) in years and wanted to see if there are other markets that may be a better fit.

After my review of their current policies,I noticed that their current policies without coverage for water back-up, Umbrella coverage and Loss of Rents (Maintenance fees).

I recommended they consider getting Commercial Umbrella & Cyber/ Crime insurance as liability claims has been on the rise over the years.

We're now going through the process of obtaining insurance quotes for their upcoming renewal.

Real Estate Owners, Property Managers, & Homeowners Associations - I've Got You Covered!

Monica Liang-Allen 梁藝瑩,保險經紀人
World Insurance Associates LLC

08/17/2026

Welcome home to this beautifully renovated pre-war condo located in the Sutton Place area of Manhattan!

My client had been renting this condo unit previously and decided to make the decision of homeownership.

The apartment features a wood-burning fireplace and the kitchen with all new state-of-the-art appliances contains a washer/dryer and a wine refrigerator.

With 2 full bedrooms and a marble bathroom with waterworks fixtures and gorgeous high ceilings with beautiful plank oak floors makes this a super charming home.

📍444 East 57th Street, Apt , New York, NY 10022
4 Rooms, 2 Beds, 1 bath, 1,060 sq feet
Condo Building built in 1929, 60 units, 14 stories.
Purchase Price: $2,200,000
Seller's Agent: Ryan Zeiger, Compass New York
Buyer's Agent: Andrea Lucas, Sotheby's International Realty

Photo credits: StreetEasy

Welcome to your insured and protected home by Monica Liang-Allen Monica Liang-Allen 梁藝瑩,保險經紀人 at World Insurance Associates LLC
IveGotYouCovered

As a member of my BNI Mighty 34 Networking group and on their Leadership team for over 12-Years, BNI has taught me many ...
08/14/2026

As a member of my BNI Mighty 34 Networking group and on their Leadership team for over 12-Years, BNI has taught me many things on how to be a better networker and the ability to speak and present to a group of professionals.

I hope you can join me and my networking team next Thursday 8/20/2026 morning 7:30AM - 9:15AM at Ole & Steen Bakery , 873 Broadway at East 18th Street, New York City for my Featured Presentation.

I'll be discussing a variety of commercial insurance policies (Management Liability - Directors and Officers insurance, Employment Practices Liability, Cyber Liability, Business Owners Package, Commercial Umbrella, Commercial Property Insurance, PEO Benefits, Builders Risk and Owners Interest Liability policies) for a recent non-profit client.

It will also be a great opportunity to meet & network with all my BNI members who are experienced business owners and professionals in different industries.

While all are welcome to join us, it would be great to have attorneys who specialize in the following industries come and attend: non-profit practice attorneys, residential/commercial real estate attorneys, and employment attorneys.

Please RSVP by Tuesday 8/18 at [email protected] so I can register you to attend. We look forward to networking with you!

𝗜 𝗮𝗺 𝗠𝗼𝗻𝗶𝗰𝗮 𝗟𝗶𝗮𝗻𝗴-𝗔𝗹𝗹𝗲𝗻 梁藝瑩 𝗮𝗻𝗱....𝗜'𝘃𝗲 𝗚𝗼𝘁 𝗬𝗼𝘂 𝗖𝗼𝘃𝗲𝗿𝗲𝗱!

BNI Chapter 34
World Insurance Associates LLC

If you are lucky enough to own a townhouse in Manhattan with a swimming pool in your backyard, it would be a great way t...
08/07/2026

If you are lucky enough to own a townhouse in Manhattan with a swimming pool in your backyard, it would be a great way to cool off in the summer, especially during this heat wave.

One of my clients has a backyard pool in her West Village townhouse and I advised them that there are liability risks when it comes to pools (deemed as "attractive nuisances").

There is the risk of someone getting hurt, injured or killed in the pool. While typical homeowners personal liability coverage do cover pool injuries, medical bills, or lawsuits, it normally maxes out at $1,000,000.

Those who have pools in their backyard should consider higher excess liability limits offered under a Personal Umbrella insurance policy of $1,000,000 to as high as $10,000,000.

Pool injury claims and lawsuits can be expensive and $1,000,000 of personal liability may simply not be sufficient.

Photo credit: 6sqft of a Kips Bay Townhouse.

Monica Liang-Allen 梁藝瑩,保險經紀人
World Insurance Associates LLC

I've been speaking to different business clients on the benefits of having Employment Practices Liability insurance in t...
08/06/2026

I've been speaking to different business clients on the benefits of having Employment Practices Liability insurance in the past few weeks.

Even if an employee is terminated for legitimate reasons, every termination opens the door for potential lawsuits. Here is an example of an Employment-related claim and why it is imperative that businesses large or small should consider Employment Practices Liability Insurance which can cover and protect against claims off wrongful termination, discrimination, sexual harassment and retaliation.

𝐓𝐡𝐞 𝐜𝐨𝐦𝐩𝐚𝐧𝐲: An auto dealership that relies heavily on the performance of its salespeople.

𝐓𝐡𝐞 𝐜𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞: An auto dealership employs a number of salespeople who, when performing at a high level, contribute greatly to the company’s bottom line. One such salesperson, who had put up great numbers in the past, saw a marked decline over the last few years. In addition, this salesperson had become increasingly hostile toward customers. After frequent warnings and poor performance reviews, the salesperson was let go. However, this salesperson quickly fired back with a wrongful dismissal lawsuit, claiming they had been fired based on their age. Cases like these often fetch well over $100,000.

𝐄𝐏𝐋 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐢𝐧 𝐚𝐜𝐭𝐢𝐨𝐧: One of the key benefits of EPL insurance is how it responds to actual and alleged acts. In the example above, EPL insurance can provide ample defense cost coverage, which, in turn, protects the organization.

Contact me today on why having an EPL insurance policy makes sense for your company.

Photo credit: Imgur - Office Space

IveGotYouCovered

What Motivates me this Monday? Preparing ahead for my upcoming in-person presentation for my BNI BNI Chapter 34 Networki...
08/03/2026

What Motivates me this Monday? Preparing ahead for my upcoming in-person presentation for my BNI BNI Chapter 34 Networking group on Thursday 8/20/2026 at Ole & Steen Bakery, 873 Broadway at East 18th Street, New York City.

I'll be discussing a variety of commercial insurance policies especially for non-profit organizations that I have recently helped.

And this is a great opportunity to meet & network with all my BNI members who are experienced business owners and professionals in different industries.

While all are welcome to join us, it would be great to have attorneys who specialize in the following industries come and attend: non-profit practice attorneys, residential/commercial real estate attorneys, and employment attorneys.

Interested in attending? Please RSVP by Tuesday 8/18 [email protected] or DM me so I can register you to attend.

We look forward to networking with you.

I am Monica Liang-Allen 梁藝瑩 and....I've Got You Covered!

Monica Liang-Allen 梁藝瑩,保險經紀人
World Insurance Associates LLC
BNI Chapter 34

07/31/2026

What a wonderful way to combine networking, a nice lunch, and great conversations at our recent BNI Ladies Lunch in Scarsdale, New York.

It was wonderful to get away from the city and make our way up to Westchester to see Sheri Wolfe's neck of the woods.

We all met up at Grand Central Terminal to catch a Metro-North Railroad 🚉 train to Scarsdale which is a quick 45-minute train ride.

Over lunch at Chat American Grill Official we talked about many things and brought our own personal experiences & ideas as women entrepreneurs.

We shared some of our recent client stories, networking insights, and deals we are working on.

Thank you for hosting us in Scarsdale, Sheri, and recommending a great gelato shop after our lunch for a sweet return back to the city.

It is always great to share positive energy and a nice meal with my BNI women entrepreneurs.

BNI Chapter 34

Anne Piecoro Gilsten Beth Sheri Wolfe Realtor
Iryna Sosnovska, Von Schropp
QuickBooks Clean-up Expert | Bookkeeper | Eman Graphene Physical Therapy Monica Liang-Allen 梁藝瑩,保險經紀人

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1700 Broadway, 7th Floor
New York, NY
10019

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Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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