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COVERAGES

GENERAL LIABILITY

General liability insurance provides coverage for your business should injury or property damage occur to others as a result of your business operations or negligence.

COMMERCIAL PROPERTY

  • Building and Contents
    Covers direct physical loss or damage to your building as a result of a covered cause of loss.
  • Business Personal Property
    Covers direct physical loss or damage to your business contents and inventory as a result of a covered cause of loss.
  • Business Income
    Coverage that pays for loss of income and expenses following physical damage to property resulting in a partial or total shutdown of operations.
  • Boiler & Machinery
    Covers mechanical breakdown of a building’s machinery and equipment resulting from a covered cause of loss

DIRECTORS & OFFICERS

If you are a member of a Board of Directors or an officer of a corporation, you can be held liable for the decisions made for the corporation. Directors & officers insurance provides coverage for you in the event that the Board or individual members are sued jointly or individually for decisions made within the capacity of acting as a Board member or officer.

PROFESSIONAL LIABILITY

As a professional, you are an expert in your field of practice. Professional liability is a specialized type of insurance that protects your professional advice and services from bearing the full cost of defending negligence claims related to your specific services that are not covered under a general liability policy.

UMBRELLA/EXCESS LIABILITY

Umbrella and excess liability insurance provides additional limits of liability over a general liability policy. Additional liability limits can range from as low as $1M to as high $500M depending on your line of work.

COMMERCIAL AUTO

Similar to personal auto insurance, commercial auto protects business vehicles that you own, rent or lease and the employees who drive these vehicles.

INLAND MARINE

Provides coverage for movable property, such as equipment and tools that is transported between various job sites or locations. This coverage is excluded under a basic property policy.

CRIME

Commercial crime coverage protects your company from fraud, theft and forgery at the hands of employees or outside criminals.

BONDS

Many businesses are required to carry surety bonds to guarantee work performance, securing licenses and permits, and payments for sales taxes and other financial obligations.

CYBER LIABILITY

One of the fastest growing types of insurance coverage, cyber liability covers a business’ liability for data breaches in which customer’s personal information is accessed, compromised or stolen.

WORKERS COMPENSATION

Workers compensation provides coverage for an employee who suffers an injury or illness resulting from job-related duties. All employers in NY State are required to carry workers compensation coverage.

DISABILITY

Disability coverage provides partial income replacement for employees who cannot work due to a non-work related illness, injury, disability or pregnancy. All employers in NY State are required to provide disability benefits to employees.

EMPLOYMENT PRACTICES LIABILITY

Employment-related claims such as harassment and discrimination are steadily on the rise. EPLI provides coverage for wrongful acts arising from the employment process.

FIDUCIARY LIABILITY

Coverage provides for legal defense and protection of the personal assets of company fiduciaries as well as the financial assets of the company and employee benefit plans against lawsuits.

FLOOD

Commercial flood insurance, similar to personal, covers physical damage to your building and business contents/property as a result of flood waters.

LIQUOR LIABILITY

If your business sells, serves, or assists in the purchase or use of liquor, it is vulnerable to liability claims as a consequence of someone getting intoxicated to the extent that there are resulting injuries or property damages.