Bradley & Parker

Bradley & Parker

Bradley & Parker is a premier insurance, risk management and financial services firm headquartered in Melville, NY, the business hub of Long Island.

Founded in 1939, our long-standing history of excellence and dedication to customer service has made us a trusted advisor to more than 8,000 clients. As one of the largest privately-held insurance companies in the U.S., we underwrite in excess of $85 million in insurance premiums annually. From sole proprietorships to publicly-traded companies with complex global insurance programs, our in-depth knowledge and expertise ensure optimal coverage and protection to keep your property safe and secure.

Operating as usual

New Data Reveals Hidden Flood Risk Across America (Published 2020) 09/30/2021

New Data Reveals Hidden Flood Risk Across America (Published 2020)

The #FloodRisk across much of the United States is far greater than government estimates show, according to a new calculation that accounts for sea-level rise, rainfall and flooding along smaller creeks not mapped federally. The federal government’s flood maps guide where and how to build, whether homeowners should buy #FloodInsurance, and how much risk mortgage lenders take on. If the new estimates are broadly accurate, it would mean homeowners, builders, banks, insurers, and government officials nationwide have been making decisions with information that understates their true physical and financial risks.

Continuing reading about this new data via The New York Times article below:

New Data Reveals Hidden Flood Risk Across America (Published 2020) Nearly twice as many properties may be susceptible to flood damage than previously thought, according to a new effort to map the danger.

The Cost of Insuring Expensive Waterfront Homes Is About to Skyrocket 09/28/2021

The Cost of Insuring Expensive Waterfront Homes Is About to Skyrocket

The cost of insuring expensive waterfront homes is about to skyrocket as new federal #FloodInsurance rates that better reflect the real risks of #ClimateChange are implemented. Starting Oct. 1, communities in Florida and elsewhere around the country will see subsidies begin to disappear in a nationwide experiment in trying to adapt to climate change. Americans will be forced to pay something closer to the real cost of their #FloodRisk, which is rising as the planet warms. Visit The New York Times article linked below to read on:

The Cost of Insuring Expensive Waterfront Homes Is About to Skyrocket New federal flood insurance rates that better reflect the real risks of climate change are coming. For some, premiums will rise sharply.

Why Gender Pronouns Are Becoming a Big Deal at Work 09/23/2021

Why Gender Pronouns Are Becoming a Big Deal at Work

CEO Wynne Nowland was included in The Wall Street Journal’s article on #GenderPronouns. Many businesses are embracing the practice of sharing individual pronouns in the workplace as part of #diversity initiatives to support co-workers who may be #transgender, or #nonbinary colleagues who identify as neither male nor female.

As Wynne shares in the piece, unless companies also focus on ensuring transgender and nonbinary employees are hired and promoted, such efforts can ring hollow. Companies can request employees put #pronouns in their email signatures, so long as they have the #inclusive practices where it counts. Read on:

Why Gender Pronouns Are Becoming a Big Deal at Work More people—and companies—seek to show support for transgender and nonbinary co-workers, so the practice of adding pronouns to email signatures and personal profiles is taking off.

Best Places to Work 2021 09/21/2021

Best Places to Work 2021

We’re pleased to announce Bradley & Parker has been named one of the “Best Places to Work in 2021” by Business Insurance! Our firm prides itself on being an upbeat workplace that’s diverse, inclusive and collaborative, and we’re thrilled to be named among the top insurance firms. Visit the link below to view the full list of winners:

Best Places to Work 2021 Best Places to Work 2021

Photos from Bradley & Parker's post 09/13/2021

Congratulations to Yamise Fields, Director of Operations at Bradley & Parker, on earning the September calendar spot with her image of the Long Beach Boardwalk in New York! Last year, Yamise made a commitment to herself to live a healthier lifestyle and fell in love with walking on the boardwalk. Between the breeze, water and the beautiful evening view, how could anyone not stop and take a photo?

A big shout out to Yamise for bringing her infectious energy and positive attitude to the team over the past 2+ years!

09/11/2021

Today we remember those we lost on 9/11 and honor the heroes of that fateful day 20 years ago. We will #NeverForget.

Today we remember those we lost on 9/11 and honor the heroes of that fateful day 20 years ago. We will #NeverForget.

Into the Pool? PEPping Up 401(k) Plans 09/09/2021

Into the Pool? PEPping Up 401(k) Plans

Society for Human Resource Management (SHRM) recently published an article on how #PooledEmployerPlans may give smaller organizations the advantages of a large 401(k). If you aren’t familiar, #PEPs are #RetirementPlans that allow unrelated businesses to join a single plan that’s set up and administered by a professional plan provider (#PPP).

Joe Sellitto, Senior Vice President at Bradley & Parker, was quoted in the article on how PEPs provide small businesses with a way to access the same investment options as a larger company, but at a reduced cost and with a reduction in the employer's fiduciary responsibilities. Visit the article linked below for more information on how PEPs can provide better and less expensive #investment options for participants.

Into the Pool? PEPping Up 401(k) Plans Available as of January 2021, 401(k) pooled employer plans (PEPs) let unrelated businesses join a single plan. PEPs may reduce employers' responsibilities as plan sponsor, but choosing a PEP still requires due diligence.

Surety/Bonding - Bradley & Parker Insurance & Financial Services 09/08/2021

Surety/Bonding - Bradley & Parker Insurance & Financial Services

The #ConstructionIndustry has many insurance and financial demands. Bradley & Parker has an expert team servicing the needs of developers, property owners, contractors and investors. We offer a wide array of products and services custom-tailored to reduce risk and increase financial strength. Visit our website to learn more:

Surety/Bonding - Bradley & Parker Insurance & Financial Services At Bradley & Parker, we realize how vital surety bonding is to your business. We have a very experienced surety team that will work with you closely to maximize your bonding line of credit. We...

What Are Life Insurance Dividends and How Do They Work? 09/01/2021

What Are Life Insurance Dividends and How Do They Work?

Some life insurers, called mutual companies, are owned by policyholders, not by outside stockholders. When a mutual company brings in more money than it needs, it may send the excess profits back to the owners — the policyholders — in the form of #dividends.

Here's how it works and how you can use those dividends:

What Are Life Insurance Dividends and How Do They Work? Some life insurers, called mutual companies, are owned by policyholders, not by outside stockholders. When a mutual company brings in more money than ...

Firefighters' Advice for Protecting Your Home Against Wildfires 08/31/2021

Firefighters' Advice for Protecting Your Home Against Wildfires

If you live in an area that’s at risk of #wildfire, it's important that you have a plan in place to not only protect your home using your own resources, but also through cooperation from neighbors and working with local #FirstResponders to ensure they have access to your property.

Here are the latest tips that fire departments are recommending to homeowners living in high-risk areas:

Firefighters' Advice for Protecting Your Home Against Wildfires If you live in an area that is at risk of wildfire, it's important that you have a plan in place to not only protect your home using your own resource...

08/19/2021

When was the last time you or the person responsible for safety walked around your facility, warehouse, office or workplace and did an #inspection? Your ‘Injury and Illness Prevention Program’ states that the owner, supervisor or person with authority and responsibility shall conduct periodic #WorkplaceSafety inspections.

There's a reason they're so important. Find out why here: https://bit.ly/Safety-Inspection.

When was the last time you or the person responsible for safety walked around your facility, warehouse, office or workplace and did an #inspection? Your ‘Injury and Illness Prevention Program’ states that the owner, supervisor or person with authority and responsibility shall conduct periodic #WorkplaceSafety inspections.

There's a reason they're so important. Find out why here: https://bit.ly/Safety-Inspection.

08/18/2021

Can Transitioning to a Self-Funded Health Plan Truly Benefit a Nonprofit? - NonProfit PRO

Joe Sellitto, Senior Vice President of Employee Benefits at Bradley & Parker, recently penned an article for NonProfit PRO about the value of #SelfFunded health plans for #nonprofits. As Joe shares in the piece, the conventional wisdom in today’s #HealthInsurance marketplace holds that nonprofits shouldn’t consider a self-funded health insurance model because cash flow concerns make such a plan too risky. This notion is false, however. Nonprofits that transition to a self-funded plan will usually see a small cost savings in the first year, but over a five-year period, the savings can often be 20-40%.

So, how can a nonprofit decide if a self-funded medical program is right for their organization? It starts by working with a knowledgeable health insurance consultant who can properly guide them. Visit the article linked below to learn more:

Can Transitioning to a Self-Funded Health Plan Truly Benefit a Nonprofit? - NonProfit PRO The current market structure has misaligned both the carriers’ and the brokers’ incentives with the best interests of the nonprofits, and that is controlling the cost of their healthcare spend while delivering quality coverage for their employees.

What You Need to Know About New Health Plan Transparency Rules 08/17/2021

What You Need to Know About New Health Plan Transparency Rules

Regulations are slated to take effect over the next few years that will greatly increase the transparency requirements for group health plans.

The regulations will require health insurers in the individual and group health markets to disclose cost-sharing information upon request, make cost-sharing information available on their websites and disclose negotiated rates with in-network providers. The rules are designed to give health plan enrollees a full picture of what they can expect to pay for services as part of their deductibles, copays and coinsurance.

Here's how it works:

What You Need to Know About New Health Plan Transparency Rules Regulations are slated to take effect over the next few years that will greatly increase the transparency requirements for group health plans. The re...

Five Ways to Protect Your Retirement Against Inflation 08/12/2021

Five Ways to Protect Your Retirement Against Inflation

Inflation suddenly spiked sharply in April 2021, reaching 3.4% on an annualized basis. If sustained over a year, that would be more than twice the average #inflation rate over the last decade and a half.

If you're close to #retirement age, that rate of inflation is enough cut your spending power in half during your lifetime. Here are five ways to protect your retirement against inflation:

Five Ways to Protect Your Retirement Against Inflation Inflation suddenly spiked sharply in April 2021, reaching 3.4% on an annualized basis. If sustained over a year, that would be more than twice the ave...

What To Do With 'Safe Money' 08/03/2021

What To Do With 'Safe Money'

The first rule of investing is always 'safety,' but with #inflation hovering around 2-3%, bank-guaranteed products like CDs and savings accounts are actually losing money. Where can #investors find a safe harbor in a storm without taking on too much #MarketRisk? Read on:

What To Do With 'Safe Money' The first rule of investing is always 'safety,' but with inflation hovering around 2 to 3 percent, bank-guaranteed products like CDs and savings accou...

Photos from Bradley & Parker's post 08/02/2021

Shout out to Diana Collins, Private Client Services Account Executive at Bradley & Parker, for securing the August calendar image slot with her photo from a sunset fishing trip with friends at Captree State Park in New York!

If you know Diana, you know she enjoys spending time with her family, especially her two sons, traveling to new places and being by the water. Nothing beats summer campfires and mountain air for Diana, and trying new cuisines and wines is a hobby of hers.

Diana has made such an impact on our team over the past five years, and we look forward to seeing what she accomplishes in the years to come!

Few Health Plan Enrollees Know About New Price Transparency Rules 07/26/2021

Few Health Plan Enrollees Know About New Price Transparency Rules

Despite a new law requiring hospitals to post detailed pricing information for their treatments and procedures online, fewer than 10% of U.S. adults are aware of the requirement. That's a problem considering a growing number of Americans have high-deductible health plans, which come with up-front lower premiums and higher out-of-pocket expenses.

Check out our article to learn how to educate your staff on the best way to shop around ahead of any medical procedures:

Few Health Plan Enrollees Know About New Price Transparency Rules Despite a new law requiring hospitals to post detailed pricing information for their treatments and procedures online, fewer than 10% of U.S. adults a...

07/21/2021

The Bradley & Parkerrker team is proud to share we’re sponsoring the 27th Annual Golf Classic for the Long Island Alzheimer's and Dementia Center on September 27! The day will be filled with golfing alongside family members, friends and colleagues, along with networking, raffles and so much more. It’s our privilege to endorse the LIAD Center and honor the Denihan family, as well as support our very own Michael Misiti, Vice President at Bradley & Parker, as he’s on the organization’s committee. You can visit their website for more information about the event and sponsorship opportunities: https://bit.ly/LIADCenter.

The Bradley & Parkerrker team is proud to share we’re sponsoring the 27th Annual Golf Classic for the Long Island Alzheimer's and Dementia Center on September 27! The day will be filled with golfing alongside family members, friends and colleagues, along with networking, raffles and so much more. It’s our privilege to endorse the LIAD Center and honor the Denihan family, as well as support our very own Michael Misiti, Vice President at Bradley & Parker, as he’s on the organization’s committee. You can visit their website for more information about the event and sponsorship opportunities: https://bit.ly/LIADCenter.

07/19/2021

If a #NaturalDisaster were to strike, would your company be ready? Has your management team hardened the business to continue operating in case of a disaster?

With natural catastrophes growing in number and severity, businesses need to have recovery plans in place for the sake of their investors, customers, employees and vendors.

Here are some basic tips to ensure the survival of a #SmallBusiness in the event of a disaster: https://bit.ly/DisasterRecovery-Checklist.

If a #NaturalDisaster were to strike, would your company be ready? Has your management team hardened the business to continue operating in case of a disaster?

With natural catastrophes growing in number and severity, businesses need to have recovery plans in place for the sake of their investors, customers, employees and vendors.

Here are some basic tips to ensure the survival of a #SmallBusiness in the event of a disaster: https://bit.ly/DisasterRecovery-Checklist.

07/14/2021

Researchers at Northwestern Mutual Planning & Progress found that boomers and Generation Xers who’re in the lower-income brackets are more likely to fall short of their retirement goals, which will leave them lacking enough money to live on. On top of that, 22% of Americans have less than $5,000 saved for retirement. According to these findings, even some people in the highest income brackets will likely run out of money at some point during retirement. What can you do to avoid this when you retire? Read on: https://bit.ly/RetirementResearch.

Researchers at Northwestern Mutual Planning & Progress found that boomers and Generation Xers who’re in the lower-income brackets are more likely to fall short of their retirement goals, which will leave them lacking enough money to live on. On top of that, 22% of Americans have less than $5,000 saved for retirement. According to these findings, even some people in the highest income brackets will likely run out of money at some point during retirement. What can you do to avoid this when you retire? Read on: https://bit.ly/RetirementResearch.

Joint Life Insurance Can Cover Two People Under One Policy for One Premium. But Most Experts Recommend This Instead 07/12/2021

Joint Life Insurance Can Cover Two People Under One Policy for One Premium. But Most Experts Recommend This Instead

NextAdvisor included commentary from Joe Sellitto, Senior Vice-President at Bradley & Parker, in their article about joint #LifeInsurance. The informational piece covers how a joint life insurance policy works and the advantages and disadvantages of this type of policy. Read on to understand if a joint life insurance policy is right for you or if individual term policies make more sense for your situation:

Joint Life Insurance Can Cover Two People Under One Policy for One Premium. But Most Experts Recommend This Instead Joint life insurance can work in certain situations, but experts recommend getting two individual term life insurance policies instead. Here’s why.

07/09/2021

A few of our team members celebrated Mark Chandler’s birthday over a delicious lunch last week! Mark, Senior Vice President, Marketing, has been with the firm since May 2016 and is highly valuable to our personal and commercial lines business. Happy birthday, Mark!

A few of our team members celebrated Mark Chandler’s birthday over a delicious lunch last week! Mark, Senior Vice President, Marketing, has been with the firm since May 2016 and is highly valuable to our personal and commercial lines business. Happy birthday, Mark!

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320 S Service Rd
Melville, NY
11747

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
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