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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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.


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.

Five Tips for Running a Successful Construction Business

Whether you’re new to the industry or a seasoned pro, running a successful construction business is a challenging job. It’s easy to get bogged down in operational details and forget the basic rules of managing a business well. This is particularly true when things are running smoothly. After all, if you’re already doing great, why rock the boat?

Well, for one thing, “doing great” is a relative term. There’s always room for improvement, and a quick review of the basics doesn’t take much time. Who knows? A little tweaking of your business practices might just take you from doing “great” to doing phenomenal.

So what are our top five tips to running a successful construction business? Check out our favorites here.

No. 1. Keep Learning.

Whether you’re new to the construction game or have been in the business for 20 years, you can’t grow your business if you don’t learn. Building ongoing education into your regular routine is the best way to accomplish this.

Learning doesn’t need to take a lot of time. Subscribe to some trade magazines and online blogs, and read the articles that challenge you to open up to new ideas. Take a class a few times a year, either in person or online. And make sure that you attend at least one major conference annually. It’s a great way to pick up on industry trends, make new contacts and increase referrals at the same time.

No. 2.  Up Your Game

Let’s be honest. The public perception of most construction contractors isn’t all that great. Many people see the profession as generally unreliable, and with good cause. Research shows that construction contractors are late (or don’t show up) for appointments about 30 to 40 percent of the time.

One way to set yourself apart, then, is to show your clients how professional you are. Start by:

  • Returning all phone calls promptly.
  • Showing up on time for every appointment
  • Having professional business cards
  • Dressing appropriately for client meetings
  • Preparing a detailed, written contract for every job

No 3. Qualify Your Clients

When you’re trying to build a business, it’s tempting to bid on every job. But not every job is going to be a good fit for your company, and not every client is going to be someone with whom you want to work. So before you begin selling yourself, qualify the client first. Find out:

  • What they want to do
  • When they want to start
  • How much they are willing to invest
  • When they want the work done.
  • Who will make the final buying decision
  • What is their time frame is for moving forward

Getting these questions answered up front will save you from wasting time on jobs that you really don’t want or require more resources than you have to invest. Remember, running a successful construction business is about choosing wisely and making every job count.

No. 4. Use Fixed-Quote Pricing

The best way to invite disputes with your clients is to structure your contracts on a “time and materials”  basis. Yes, these kinds of jobs sometimes work out. But sooner or later, you’re going to encounter a customer who doesn’t want to pay and find yourself in court. Of course, this could happen with any job. But a well-written, carefully crafted fixed-price contract is your best weapon if it does.

No. 5. Don’t Underbid

As a professional construction contractor, you know how much you need to make to turn a profit. But when you’re competing in a hot market, it’s tempting to compromise and shave a little off your markup to try to win the job. But that’s rarely a good idea.

Research shows that price is not the top reason why clients select a contractor. (In fact, it barely makes the top 10.) What clients want most is a dependable professional who will take care of their needs and provide quality work. Sell yourself, not the price, and you will usually come out ahead.

Running a successful construction business is not just about doing a great job. It’s just as much about knowing how to position yourself and your company so you stand out from the crowd. At The Carmoon Group, we specialize in helping construction professionals succeed. Whether you need help with financing, insurance or a risk-management plan, you can count on us to for sound advice. So give us a call now or contact us online. We’ll get back to you right away.  


Starting a Business? Avoid these Common Mistakes

starting a business diagramMore and more Americans are starting their own businesses these days. In fact, the number of small businesses in the United states has grown by nearly 50 percent over the past quarter century, and there’s no sign that the trend is slowing down. Small businesses today account for over half of all U.S. sales and tens of thousands of jobs.

If you’re one of millions of Americans who’s thinking of starting a business, you’re probably learning a lot about how to be a success. But you need to be just as aware of what mistakes to avoid. Here’s our list of the five things you definitely don’t want to do when you’re first starting out.

No. 1 Assume You’ll Get Financing 

It’s been nearly a decade since the start of the Great Recession. But America’s lenders are still far from eager to lend money to people who are starting a business without some assurance they’ll get their money back.  That means you will probably need to come up with some collateral — typically your home or your investments — in order to get a small business loan from a bank. And you probably don’t want to do that unless you’re very certain your business will succeed.

If you can’t get a loan from a traditional lender, or don’t want to risk your a substantial portion of your assets just yet, look to other sources to finance your business. Personal savings, friends and family, corporate loans or even federal grants are possible sources of capital. Or try a crowdfunding site such as Indiegogo or Kickstarter. They’ve raised millions of dollars for a variety of projects since 2009.  

No 2. Don’t Have a Vision

Starting a business to make money or fill up your free time is a very bad idea. Running a small business is incredibly grueling work, and any financial pay off — if it happens at all — is probably a couple of decades away.

On the other hand, having a clearly defined “Why” will get you through the hard times. It will also help you attract like-minded employees who share your vision and have the energy and motivation to help the business succeed.

No 3. Don’t Have a Clear Marketing Plan

One of the biggest mistakes people make when starting a business is assuming that customers will not only find them but will also want to buy what they sell. But it’s not enough to have a great product or service. Somehow you have to get the word out and woo new customers away from their preferred brand. And that’s nearly impossible unless you’ve identified who those customers are.

Start by asking yourself what problem or “pain point” your product solves. Then identify who in your potential market has this problem and concentrate your marketing efforts there. If you’ve developed a great new new skin care line that builds collagen and erases wrinkles, for example, you don’t want to waste money trying to sell it to tweens and teens.

No. 4: Don’t Have a Value Proposition

A value proposition is a clear, concise statement that communicates why a customer should buy from you. It is a promise to your potential customers about what problem you will solve for them and why you will do it better than anyone else. It is not a statement of your product’s features. Your customers don’t care that your skin cream took five years to develop and is made from 50% palm kernel oil. They want to know how it’s going to improve their skin; how soon they will see results; and why your cream is better than Brand X.  

No. 5:  Try to Do Everything Yourself

Even if you’re a sole proprietor, trying to do everything yourself virtually guarantees that you’ll do nothing well. If you’re just starting a business and not yet in a position to hire employees, at least outsource some of the routine tasks that take too much time. The internet now offers dozens of websites where you can post freelance jobs and hire qualified workers for a day, a week or longer term. Check out Upwork (formerly ODesk) for your everyday needs. Or if you’re looking for highly skilled workers for an important project, Toptal is an excellent bet.
Starting a business is challenging and scary. Knowing where you excel and where you need help is very important to your success. And that’s where the experts at The Carmoon Group come in. We can help you optimize your business strategy, manage your risk, find capital when you need it, and much, much more. Just give us a call or contact us online for your free consultation. We’ll get back to you right away.

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

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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 *