New York state law requires every business that has employees, full-time or part-time, to carry workers’ compensation. It also protects sole proprietors from work injury costs that health insurance might deny. Many factors determine which general liability insurance policy is the right one for your business. Here’s how to choose a policy by looking at six different aspects of your New York commercial general liability insurance quotes.
Travelers offers commercial general liability protection for many types of small businesses. Say a customer slips on your floor and breaks a wrist, or an employee causes damage while working in a customer’s home, or one of your products injures somebody or damages their property. Learn more about commercial general liability insurance with the information below orfind an agent for a commercial general liability insurance quote. If you have a larger deductible, you’ll pay less for general liability insurance for your small business. At NEXT, we don’t charge a deductible for our general liability insurance policies, so you won’t need to worry about it.
We’re often less expensive and easier to do business with than other insurance companies. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett, one of the world’s wealthiest businesspeople. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow. Every business needs to protect themselves from accidents or injuries that may occur on their business grounds.
Chamber Institute for Legal Reform, “”The tort liability price tag for small businesses in America in 2008 was $105.4 billion.”” Our agents can assist you in considering all aspects of your General Liability insurance package to give you the most appropriate policy available. We will help you customize a specific plan that works for businesses in Buffalo New York including the Clarence, East Aurora, Hamburg, Lockport, and Williamsville areas. Legal Defense and Judgments– costs to defend against real and frivolous suits and judgments up to the limit of your coverage. Note this generally does not include punitive damages for negligence or willful misconduct. A small business is defined as any company with fewer than 500 employees.
To get started with general liability and other business insurance solutions, contact a Travelers independent agent or visit travelers.com. Combine general liability and commercial property into one policy to protect your business. Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
This type of business liability insurance is important for all New York businesses. A general liability policy covers common third-party risks and is required for most commercial leases. As the business owner, you’re responsible for certain costs; general liability insurance is designed to protect against these unforeseen events. There is no one-size-fits-all type of coverage, but a JMG Insurance Agency agent will sit down with you to determine your commercial risks. We’ll put together an insurance package that makes sense with your business, and we’ll be there when you need us.
NY general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business. If you provide professional services and your advice is alleged to have led to one of your clients suffering a financial loss, professional liability insurance can help. New York requires that anyone who employs at least one person, whether full or part time, carry workers compensation insurance.
That is why your business requires general liability insurance protection. Commercial auto insurancehelps pay the costs of a car accident if you or your employee is in a collision while driving a covered vehicle for work. For instance, if your employee hits a pedestrian while driving, this coverage can help pay for the pedestrian’s medical bills.
Your competitors may be watching and if they feel that something you posted resulted in financial damages to them, like loss of business, they can sue you for that in addition to libel, slander, and defamation. We have auto, home, and boat insurance through Delmonico and they are always very responsive to any question we have about our policy…. With any type of insurance there are certain underwriting and eligibility questions that must be answered in order for the insurance company to determine what the final rating will be.
Of New York’s nearly 2 million small businesses in 2008 , 440,510 were small employers. Business Owners, General Liability, Professional Liability and Workers’ Compensation policies are underwritten by insurers that are affiliated with Progressive and with unaffiliated insurers. Progressive Advantage Agency, Inc. attempts to quote each applicant contacting us for a quote with at least one of these insurers. Certain Progressive companies may be compensated as licensed agencies for performing services on behalf of these insurers. Convenience – There’s several ways to get a quote whether you need a single New York policy or a combination of coverages. Simply start a quote online or call us to speak directly with a licensed agent.