Refine Risk Insurance

Refine Risk Insurance Our licensed and experienced agents are here to protect you and provide excellent service.

We are a boutique insurance agency in Tuckahoe NY offering customized insurance and personalized services to Families, Businesses, and Real Estate Investors in NYC, Westchester and Fairfield Counties. We are a boutique insurance agency offering customized insurance and personalized services to Landlords, Families, and Business Owners in Westchester County, NYC, and the Tri-State Area.

06/04/2026

When You Can Buy Insurance Online

Buying online may work for simple personal policies like auto or renters insurance.

For business coverage or complex policies, work with a licensed agent to avoid costly mistakes.

06/02/2026

Should You Work With an Insurance Agent or Buy Online

For business insurance, always work with a licensed agent or broker. They are trained, licensed, and have access to multiple insurance companies to find the right coverage for your needs.

Online options work for simple policies but not for complex coverage.

05/28/2026

Why Clients Ask for a Certificate of Insurance

Clients request a certificate of insurance to make sure you are properly insured before you start work.

It protects them from liability if something goes wrong during the job.

05/26/2026

What Is a Certificate of Insurance

A certificate of insurance is proof that you have coverage and outlines what your policy covers.

It is often required before you can start work for a client, especially in contracting or service industries.

05/21/2026

Why You Should Not Delay Getting Workers Compensation Coverage

Failing to get workers compensation insurance when required can lead to fines, legal penalties, and uncovered claims.

Protect your employees and your business by securing coverage as soon as it is needed.

05/19/2026

Does General Liability Cover Employees?

Not for workplace injuries.

Here’s how it works:
General liability: Covers customers and other third parties, not employees
Workers’ comp: Covers employee injuries or illnesses caused by work
Disability insurance: Covers non-work-related injuries or illnesses
EPLI: Covers claims of discrimination, harassment, or wrongful termination

We help local businesses combine these policies for complete protection.

05/14/2026

When Do You Need Workers Compensation Insurance

You need workers compensation insurance the moment you hire your first employee.

Some states require it even without employees, covering you as the owner. Others allow you to exclude yourself until you hire staff.

05/07/2026

In New York, Even One Employee Means You Need Workers’ Comp

The rule is simple.

In New York State, as soon as you hire your first employee, even part-time or a family member, you are required to have:
Workers’ compensation insurance
Disability and Paid Family Leave coverage

05/05/2026

Why You Should Work With an Insurance Agent Instead of Buying Online

Online quotes may be quick, but they’re not tailored.

With a licensed local agent:
You get expert advice from someone who knows your risks
You access multiple insurance companies through one contact
You get help making sure your coverage actually works if there’s a claim

04/30/2026

Why Are People Asking for Your Certificate of Insurance?

A certificate of insurance is simply proof that you have coverage, and what that coverage includes.

If you’re about to start a job, the hiring party may ask for one to confirm you’re insured.

They might also ask to:
Be listed as an additional insured
Add a waiver of subrogation

Don’t stress over the details. Just forward the request to your insurance agent so it’s done correctly.

Address

8 Depot Square
Tuckahoe, NY
10707

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm

Telephone

+19147044200

Website

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