What Type of Business Insurance Do I Need? Get A Quote Now

Insurance for any type of business is not a luxury, it's a necessity. Failure to have adequate coverage can have catastrophic ramifications under a wide number of circumstances, including lawsuits, employee injuries, and disasters.

The specific insurance coverage a business requires is dependent upon the type of business and the way it is structured.

Although there are no ‘cookie cutter’ solutions when it comes to business insurance, there are certain types of insurance that most small businesses need.  Package policies are created for businesses that generally face the same kind and degree of risk. A Business Owners Policy (BOP) is one of those products. It generally includes property and liability Insurance, and some product packages may also include Commercial Auto and Workers' Compensation.

Larger companies might purchase a business package policy or customize their policies to meet the special risks that their business may experience. A package policy may make sense to you, however if the nature of your business and your business insurance needs are unique, you may be better served putting together a customized insurance plan. Either way, it is imperative to protect what you’ve worked so hard to create with a Business Insurance Policy.

Protect Your Business with Property Insurance
If you run your business out of your home, you may think that your Homeowner Insurance policy will provide the property coverage you need. However, most homeowner policies do not cover structures from which business is conducted. Property Insurance is designed to protect a business against perils such as fire or theft. Read more...

Protect Yourself from Litigation with Liability Insurance
Liability Insurance is extremely important in today's business operations since lawsuits are so prevalent. It protects the business owner against claims where the business is legally responsible for injury resulting from a defective product or lack of care that should have been exercised to protect another person or property. Read more General Liability and Professional Liabilty...

Protect Your Employees with Workers' Compensation Insurance
Businesses with employees are required by NYS Law to carry Workers' Compensation coverage. This insurance is designed to cover the medical costs and some portion of lost wages incurred by an employee injured on the job. It is a no-fault coverage and applies regardless of who was responsible for the injury. It also will compensate an employee's family in the case of death. Many Workers' Compensation policies also include return-to-work programs that will provide rehabilitation services to injured employees to help expedite the recovery process. Read more…

Protect for Your Company Vehicles with Commercial Auto Insurance
Many businesses own automobiles, trucks, vans and other vehicles that are used in the business operations. Needless to say, these vehicles should have adequate insurance coverage. A commercial auto policy can provide coverage for such vehicles. It can also provide coverage for personal vehicles used for business purposes, where the owner's personal Auto Insurance may exclude it. Like a standard personal auto policy, a Commercial Auto Insurance policy will pay the costs for others who incur bodily injuries or property damage for which the business is legally liable. If elected as a policy option, it will also cover damages to the vehicle resulting from an accident. Read more...