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Most Affordable Rates Always Providing Good Advice Most Comprehensive and Affordable Rates Personalized Attention

Most Affordable Rates

“For all your business insurance needs, I highly recommend The Carmoon Group. They provide a comprehensive yet easy to understand coverage with the most affordable rates. – very professional and timely in service…” ~ Moira Dean, Manhattan, NY

Always Providing Good Advice

“We decided to find a new insurance that specialised within our industry. We have now been clients of The Carmoon Group. I personally would describe their service as being prompt, always providing good advice and displaying our insurances in a manner that is easy to understand. I would definitely recommend The Carmoon Group.” ~ Bradley Morris, Trenton, New Jersey

Most Comprehensive and Affordable Rates

“The Carmoon Group was recommended to us by a business colleague and we have been very pleased with its service. They have been responsible for all our Liability Insurance. I have always found The Carmoon Group to be professional and helpful and would definitely recommend them – they have the most comprehensive and affordable rates in the whole state of New York.” ~ - Matthew Brightman, New York, NY

Personalized Attention

“It has been pleasant to get such personalized attention, especially with my account being such a small policy. I am confident that The Carmoon Group is looking out for me, finding the lowest possible cost on my policy, while providing excellent recommendations to be sure I have the coverage I need.” ~ M. Bailey-Bates, M.D., Annapolis, Maryland

Carmoon Ltd. is the industry leader in providing customized insurance solutions for businesses, homeowners and families in the U.S. Our professional staff has one objective – to provide you with outstanding service and the broadest coverage available at the best possible price. Our highly trained agents are available now, ready to help you design a targeted solution tailored to your budget and your needs. Find out why Carmoon is one of the most respected providers in the insurance industry. Select any option below to learn more about how we can help you to being planning for a secure future today.

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The Carmoon Group is here to help you grow your business. Let us know how we can help.

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Business Solutions

Portrait of an attractive African American business woman smiling confidently We create individualized insurance programs for each of our clients.  Our custom solutions include General Liability, Business Automobile, Disability and many more.

Surety Bonds

umbrella insurance policy Our surety bond program offers financial protections for you and your investors, helping you to meet state and federal  regulatory requirements  and your business goals.

Home and Family

casualty and property insurance for businessIf you are like most Americans, protecting your home and family is your most important priority. Our home insurance  experts can design a solution that addresses all of your needs.

Malpractice

health care provider - property and casualty insurance companyAs a health care provider, you know how important it is to protect your future. Our medical malpractice experts can help you select a plan perfectly suited for your practice and your needs.

Do You Qualify for an Exemption to the Individual Mandate of the ACA?

As most of us know by now, the “individual mandate” of the Affordable Care Act states that all Americans must have health insurance as of Jan. 1, 2014.

Exemption to the Individual Mandate

Exemption to the Individual Mandate

This mandate applies to any citizen whose income falls above a designated percentage of the federal poverty limit who is not covered by an employer’s health plan. Those who don’t have insurance are required to pay a substantial penalty.

There are exceptions to the mandate, however, particularly for those whose families are struggling to make ends meet. Learn if you qualify and how to apply for an exemption if you do. + Read More

Popular Car Insurance Myths Debunked

When it comes to car insurance, a good number of Americans have some pretty odd ideas. Car insurance myths are rather prevalent, in fact, says the Insurance Information Institute, a nonprofit that helps consumers understand insurance and how it works.

Car Insurance Myths

Car Insurance Myths

What’s more, believing these popular myths can make it difficult to find the best car insurance coverage for you and your family.

Think you know all there is to know about car insurance? Test your insurance IQ against these popular myths and facts. + Read More

Short-Term Rentals Pose Insurance Risks for Homeowners

With the growing popularity of short-term rental sites such as AirBnB and VRBO, more and more homeowners are renting all or part of their homes to paying guests.

Short-Term Rentals

Short-Term Rentals

This may be a good thing for the homeowner’s bank account, but it also creates new risks that may not be covered by homeowner’s insurance, the Insurance Information Institute warns. + Read More

Why Use A Broker When You’re Buying Insurance?

These days, buying insurance seems like an easy do-it-yourself job. With so many companies offering customers the option of shopping online, many people think that the way to shop for the best coverage is to get a few online quotes and then pick the company that offers the best rates.

Business Insurance

Business Insurance

But there is more to buying insurance than meets the eye. To make a truly informed decision, you need to do a side-by-side comparison of more than just rates, and have a good understanding of the complex language of “insurance-speak.” That’s why having a licensed insurance broker as an ally is a great idea. + Read More

Get the Right Kind of Insurance for Food Service Business

If you’re the owner of a food service business, you know that preparing and serving food to the public comes with inherent risks. Not only are food service establishments noisy, chaotic

Liability Insurance for Food Service Business

Liability Insurance for Food Service Business

places behind the scenes, there’s a great deal of hustle and bustle in the dining areas as well. Spills, slips and falls and other accidents are likely, no matter how carefully things are run. Add to that the risk of food-related issues such as allergies and and food poisoning, and the list of hazards becomes very long. + Read More

Health and Safety Training: A Must for Small Businesses

If you own a small business, health and safety training for your employees may be the furthest thing from your mind. Dealing with daily operations, budgets, payroll, employee issues and  ever-increasing regulatory demands are almost certainly much higher on your list of to-dos.

Health and Safety Training

Health and Safety Training

Nevertheless, failing to provide your staff with basic workplace health and safety training can cost you in many ways, including lost productivity, higher worker’s compensation premiums, low employee morale and even a lawsuit.

Basic Health and Safety Training

Health and safety training does not need to be lengthy or complex. However, it should cover the most important hazards inherent in your workplace. For most businesses, these include: + Read More

Cyberbullying Insurance Now Available in the U.S.

The Chubb group of insurance companies announced this week that it would begin offering cyberbullying insurance on its Masterpiece Family Protection policies in the United States.  Formerly available only to clients in the United Kingdom and Republic of Ireland, the coverage provides up to $60,000 to help families deal with expenses related to cyberbullying incidents.

Cyberbullying Insurance

Cyberbullying Insurance

The Family Protection policy is currently available in Colorado, Illinois, Indiana and Wisconsin, and costs about $70 per year. The company plans to make the policy available throughout the United States later in 2016. + Read More

Do You Need Commercial Auto Insurance?

Commercial auto insurance is insurance designed to cover one or more vehicles used for business purposes, such as a car, van or truck. Commercial auto insurance is generally required when you use a vehicle to transport people or goods for a fee, or when a vehicle is driven by one or more employees.

Commercial Auto Insurance

Commercial Auto Insurance

What Does Commercial Auto Insurance Cover?

Although most of us think of commercial vehicles as pickup trucks and big rigs, commercial auto insurance can cover any type of vehicle that is owned or leased by a business, including cars, minivans and SUVs. In fact, you can purchase commercial auto insurance for almost any type of vehicle you use in your firm’s operations, including: + Read More

Crafting a Social Media Policy for Your Business: Tips from the Experts

As more and more companies use social media in their branding strategies, it has become increasingly important for every business to have a social media policy in place. Social media policies and procedures give employees important information about what they can and cannot post on platforms such as Instagram, Twitter and Facebook, and help your company manage risk.

Social Media Policy

Social Media Policy

The laws around social media policies are constantly evolving; Policies must balance protection of sensitive company information with employee rights. For example, the National Labor Relations Board has ruled that employees cannot be fired or disciplined for posting complaints about working conditions on social media. In general, a company’s social media policy cannot infringe upon employees’ First Amendment rights. + Read More

How to Find Affordable Homeowner’s Insurance: Tips from the Experts

Shopping for affordable homeowner’s insurance can be a bit of a challenge. There are so many companies to choose from and so many policy forms, many homeowners find it hard to sort through them all. But if you want to save money (and who doesn’t these days?) these tips from our experts can show you how.

Affordable Homeowners Insurance

Affordable Homeowners Insurance

1. Shop Around

It may seem obvious, but comparison shopping is a good way to find the most affordable homeowner’s insurance rates. Go online or call a few companies to get a general cost comparison, and then look into the companies that offer the best rates. Remember that your actual rate may differ from the online quote, so call and speak to an agent directly before making a choice. + Read More

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Carmoon now offers our clients the convenience of requesting a personal consultation online. If you would like someone to contact you with more information, just let us know.

Call for an Appointment at 516-292-3780 or Stop By Our Office Today

 

    Get a 30-Minute Free Consultation

    The Carmoon Group is here to help you grow your business. Let us know how we can help.

    Your Name *
    Email*
    Phone*