COMMERCIAL INSURANCE

commercial

Business can be unpredictable, but your insurance policy should not be.  There are many different types of coverage that are available to help you protect your business in the event of a covered loss.  Every business is unique so let us tailor a policy specifically for you.  Here are just a few types of policies that you may need to help protect your business.

  • Businessowners– Also known as a “BOP” includes your basic coverage such as property, liability and loss of income.  It also includes extra coverage built into the policy which may vary from company to company.
  • Commercial Package– This type of policy requires you to purchase each individual type of coverage separately.  Any extra coverage needed for your business must be added for an additional cost, such as loss of income.
  • Commercial Auto– Just like the auto insurance you purchase for your personal vehicle, there are legal requirements for insurance on commercial vehicles.  Additional coverage is available as well.
  • Workers Compensation– This is a mandatory coverage in New York State if you have employees.  This policy covers medical bills and a portion of lost wages for your employees if they get hurt on the job.  It also covers the employer for liability in the event they are found negligent with regards to an employee injury.
  • Disability– This is a mandatory coverage in New York State if you have employees.  This policy covers a portion of lost wages for your employees if they get hurt off the job.

We offer more!  Your company may have a need for other types of insurance.  Here are some additional products you might consider as well.

  • Property Only
  • Liability Only
  • Commercial Excess
  • Commercial Umbrella
  • Errors & Omissions
  • Liquor liability
  • Professional Liability
  • Inland Marine
  • Employment Practice Liability Insurance
  • Builders Risk
  • Vacant Building
  • Flood
  • Cyber Liability