By Maureen Werther

What would happen to a business if an unforeseen disaster struck? Are businesses prepared to weather the storm and rebuild without breaking the bank? Is a business eligible for business interruption insurance?

Those are some important questions business owners need to know about their coverage.

Business interruption insurance is the part of a policy helps businesses that may suffer damage from a fire, flood, or other type of disaster. It can be as important to your business as fire insurance.

provided by

Sherry Finkel Murphy MS, RICP

The ability to grab and hold on to the best talent is crucial to the long-term success of any business.

One of the most effective ways to keep employees engaged and motivated is by offering them a carefully crafted benefits plan. Along with salary, it’s what employees look at most carefully when deciding whether to join and stay with a firm.

When you give your employees the benefits they value, they’ll likely be more productive, miss fewer workdays and have a higher commitment to helping you build your business. In fact, the LIFE Foundation reports that three in four workers consider benefits a decisive factor in weighing job opportunities.

By Breanna L. Lundy

You may not be aware of it, but September is Life Insurance Awareness Month. Of course, you probably recognize, at least in a general sense, the importance of life insurance, but do you know the various ways in which it can help you?

Life insurance can play a sizable role in your ability to achieve some important financial goals, such as these:

Helping your family maintain its lifestyle.

If you are married and have young children at home, you and your spouse may need to work. If you were no longer around and your earnings were gone, could your family still afford to live as they do now? Adequate life insurance can help them preserve their lifestyle.

Capital Financial Group Inc., headquartered at 89 Saratoga Ave.  in South Glens Falls, recently rebranded as the Employee Benefits Division of Upstate Agency LLC, its sister agency.

Both Upstate and Capital have been part of the Arrow Financial Corp. family of companies, which includes Glens Falls National Bank and Saratoga National Bank, for many years.

The joining of Capital under the Upstate brand seeks to deliver more value to the customer through efficiency and synergy.