The article outlines the key Workers’ Compensation updates coming to New York for the 2025–2026 policy year. The New York Compensation Insurance Rating Board and NYSIF have announced several changes that will impact employer premiums and compliance.

Buffalo winters can be tough on homes, but a little preparation goes a long way. This guide from Aebly & Associates walks homeowners through essential steps to get ready for the cold — from cleaning gutters and checking roofs to protecting pipes and preparing for power outages. It also highlights the importance of reviewing your homeowners insurance to ensure coverage for winter-related damage. With these tips and a quick policy check, Buffalo homeowners can head into winter confident, comfortable, and covered.

Outlinging five key steps: regularly reviewing insurance coverage, starting small with manageable financial moves, building an emergency fund, keeping beneficiaries updated, and seeking professional advice when needed. The message emphasizes that preparation brings peace of mind and that protecting your family’s future is easier and more affordable than most people think.

The article closes by reminding readers that with a little time and guidance, they can confidently safeguard their loved ones long after Halloween is over.