Blog

Joel Goldman Joel Goldman

Integrating Life Insurance into Your Retirement Plan

Life insurance is often viewed as a safety net—a way to protect your loved ones financially in the event of your passing. But what many people don’t realize is that life insurance can also play a strategic role in retirement planning. Let’s explore how life insurance, when used correctly, can help fill that gap and support a more stable and flexible retirement.

Read More
Joel Goldman Joel Goldman

7 Property Insurance Myths That Could Cost You Thousands

Most people assume their insurance will cover them in a crisis—until they find out the hard way that it doesn’t. From water damage to business interruptions, many policies have unexpected gaps that could leave you paying out of pocket. In this article, we break down seven common property insurance myths and what you can do to ensure you're actually protected.

Read More
Joel Goldman Joel Goldman

Why Commercial Auto Insurance Is a Must for the Cannabis Industry

If your business involves cultivation, distribution, or retail, chances are you rely on vehicles to move products between locations. But here’s the thing—if you don’t have proper commercial auto insurance, a single accident could cost you hundreds of thousands of dollars in damages, legal fees, and lost inventory. So, let’s break it down: Why is commercial auto insurance essential for cannabis businesses? And what happens if you don’t have it?

Read More
Joel Goldman Joel Goldman

The Importance of Commercial Auto Insurance in New York

New York law requires businesses to carry commercial auto coverage, ensuring financial protection and compliance with state regulations. This guide will help you understand the importance of commercial auto insurance in New York, who needs it, what it covers, and how to get the right policy for your business.

Read More
Joel Goldman Joel Goldman

Challenges Facing Cannabis Dispensaries in 2025 & Beyond

The cannabis industry is entering a pivotal phase. With projections placing global market growth at nearly $150 billion by 2031, new legal markets opening in Pennsylvania and Hawaii, and a potential rescheduling of cannabis at the federal level, opportunities abound. But alongside these exciting shifts, dispensaries face pressing challenges—compliance complexities, licensing struggles, financial barriers, and rising competition—that could make or break businesses in 2025.

Read More
Joel Goldman Joel Goldman

Understanding the Cost of Life Insurance

Life insurance provides financial security, but understanding its costs can be challenging. Premiums are primarily influenced by age, health, lifestyle, and the type of policy chosen. This guide breaks down average costs, how premiums are calculated, and the key differences between term and permanent life insurance. Learn why securing a policy early can save you money and how to choose the best coverage for your needs.

Read More
Joel Goldman Joel Goldman

Why Life Insurance is Essential for the Modern Entrepreneur's Success

Running a business is full of ups and downs. As an entrepreneur, you're driven to innovate, build your brand, and scale your company to new heights. However, one crucial aspect of business planning is often overlooked: life insurance. In this post, we'll dive into why life insurance should be an integral part of every entrepreneur's business plan, from securing your family’s future to ensuring your business stays on track.

Read More
Joel Goldman Joel Goldman

How Much Home Insurance Do You Really Need?

Home insurance is an essential safety net, but many homeowners risk being underinsured without realizing it. It's crucial to regularly evaluate your coverage to ensure it’s enough to fully protect your home and belongings in the event of a disaster. Here’s a guide to help you determine the right amount of home insurance.

Read More
Joel Goldman Joel Goldman

Navigating Wildfire Losses – Your Insurance Roadmap

The recent wildfires in California, particularly around Los Angeles, have caused widespread devastation, leaving homeowners and business owners to rebuild their lives. We’ve created a comprehensive guide to help you navigate the claims process and maximize your insurance benefits.

Read More
Joel Goldman Joel Goldman

Your Complete Guide to Builder’s Risk Insurance

Protect your construction project from unexpected risks with Builder’s Risk Insurance. From storm damage to stolen materials, this essential coverage ensures your investment stays secure and your project stays on track.

Read More
Joel Goldman Joel Goldman

Debunking Common Life Insurance Myths

Life insurance is one of the most misunderstood topics when it comes to personal finance. Let’s break down some of the most common life insurance myths and set the record straight.

Read More
Joel Goldman Joel Goldman

How to Avoid Cyber Attacks and the Role of Cyber Insurance

In today's hyper-connected world, cyber attacks have become a prevalent threat to businesses, municipalities, and individuals alike. This blog outlines actionable steps to avoid cyber attacks and explores how cyber insurance can serve as a vital safety net.

Read More
Joel Goldman Joel Goldman

The Ultimate Guide to General Liability Insurance (GLI)

If you’re looking for reliable coverage to protect your business from unexpected legal expenses, GL insurance offers the broadest protection. In this article, we’ll explain why you need general liability insurance, how it works, and how it can safeguard your business from potential risks.

Read More

Looking for quick financing solutions?

Explore HMMB Funder for seamless and efficient lending options tailored for both real estate and business owners.