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 518-373-4111

Client Login | Make a Claim

  • Business
    • Business Owners Policy (BOP)
    • Commercial Auto Insurance
    • Commercial Property Insurance
    • Cyber/Data Breach Liability
    • Disability Insurance
    • Employee Dishonesty Insurance
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    • Paid Family Leave (PFL)
    • Surety Bonds
    • Workers’ Compensation
  • Employee Benefits
    • Small Business Health Insurance
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    • Flexible Spending Account (FSA)
    • Health Insurance
    • Health Reimbursement Arrangements (HRA)
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Using Dependent Care FSAs—What Expenses Can Be Reimbursed?

Using Dependent Care FSAs—What Expenses Can Be Reimbursed?

by Sarah Dwyer | Oct 21, 2025 | Commercial Insurance

Internal Revenue Code (Code) Section 129 allows employers to provide dependent care assistance benefits for their employees on a tax-free basis. These benefit plans are commonly known as dependent care flexible spending accounts (FSAs) or dependent care assistance...
4 Smart Strategies to Keep Your Workers’ Compensation Rates Low

4 Smart Strategies to Keep Your Workers’ Compensation Rates Low

by Sarah Dwyer | Oct 1, 2025 | Commercial Insurance

Managing workers’ compensation insurance is a critical but often frustrating task for any business owner. It’s an essential (and often required) layer of protection for your employees and your company, but the premiums can be a major expense, especially if...
Huge Increase Expected for 2026 Health Insurance Costs

Huge Increase Expected for 2026 Health Insurance Costs

by Sarah Dwyer | Sep 18, 2025 | Employee Benefits

A new report from Mercer projects that the total health benefit cost per employee is expected to rise 6.5% on average in 2026, marking the highest increase since 2010. To put it in perspective, Mercer reported that the past decade normally increased 3% annually. If...
Why Mental Health Benefits Are Now a Must-Have for Employers

Why Mental Health Benefits Are Now a Must-Have for Employers

by Sarah Dwyer | Sep 16, 2025 | Employee Benefits

Employee benefits have evolved far beyond the basics like health and dental. Modern employees, particularly younger generations, are seeking employers who demonstrate a commitment to their overall well-being. Offering comprehensive mental health benefits is a powerful...
GTM Adds PEO Offering To Help Small And Mid-Sized Businesses Reduce Costs, Increase Productivity, And Improve Employee Engagement

GTM Adds PEO Offering To Help Small And Mid-Sized Businesses Reduce Costs, Increase Productivity, And Improve Employee Engagement

by Sarah Dwyer | Sep 15, 2025 | Employee Benefits

Contact: Marketing Dept. [email protected] (518) 373-4111 CLIFTON PARK, NY – September 9, 2025 – GTM Payroll Services (GTM), a Capital Region leader in payroll,  human resources, insurance, and employee benefit solutions, today announced the launch of its Professional...
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Tax and legal updates or any other information posted on the GTM Insurance Agency website and/or social media is not intended to be exhaustive, nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.

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