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Insurance Marketplace Continues to Harden


For 2021, the insurance market continues to harden with significantly higher pricing. After approximately 20 years of a soft, buyer-friendly insurance market, the past few years have seen a firming or hardening market—one that is less friendly to insurance buyers.

Property & Liability


LeadingAge New York Services, Inc.'s property and casualty insurance program has become the preeminent program for long term care providers in New York State. LeadingAge New York members have saved over $50 million in premiums since the program's inception. The insurance marketplace has recognized LeadingAge New York as an attractive group and offers coverage and pricing concessions not available on an individual basis.

Cool Insurance Human Resources Services


Cool Insuring Human Resource Services offers the services and tools to help you manage all your HR responsibilities with ease.  Find out more about their Human Resources Hotline by calling Ruth Yorker at 518.783.2665 ext. 146 or e-mail:   It will become your HR professional’s new best friend!  You can arrange for consultations with Cool’s HR expert on topics including employee relations, employment law, toolkits and sample forms/policies. For more in-depth support, consulting is available for employee and management training, HR audit, handbook review or development, salary/compensation analysis, COBRA administration and much more! 

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