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. New York businesses that provide professional services, such as consultation or accounting, should consider this coverage. It protects against claims of professional negligence, both actual or alleged, and helps pay for defense costs.
General contractors sometimes need general liability as part of the license requirements in their state. Bonds are similar to New York general liability policies but unique in that they guarantee that a specific task will be discharged, performance will be maintained, or an obligation will be fulfilled. Inland Marine – Chances are, you have a ton of equipment that you own to use for your business, as well as temporary pieces you may rent or lease. The equipment will be insured on an Inland Marine policy or Equipment Floater.
We offer a friendly, approachable atmosphere that maintains the utmost level of professionalism. Commercial insurance costs are higher for high-risk businesses – those with a large footprint or heavy foot traffic. In short, more people means more opportunities for people to get injured. And if your employees handle other people’s property, that increases your risk as well. 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.
Read informative articles on New York small business insurance coverages – and how they can help shield your company from legal liabilities. In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.
Contact The Cesar Group, Inc today to speak with one of our trusted agents about your New York General Liability insurance & answer any questions you may have and provide you with a General Liability quote. Bodily Injury– physical damage to a person other than an employee at your place of business and injuries caused by you or an employee at a client’s home or work place. We include business income insurancein our Business Owners’ Policy, but you can also buy the policy on its own. The most influential factor, however, is the type of work that you do.
To find the best insurance for you, it’s a good idea to get a general liability insurance quote from an insurance company, like The Hartford. This can help you find the right coverage for your business at the right price. So, if a fire destroys your products or equipment, this coverage can help pay for their repairs or replacement.
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Our agents will work with you to find protection that meets both your needs and budget. Other business insurance like general liability and a BOP aren’t required by law, but you’ll likely need them before entering a contract with a client or landlord. The cost of business insurance in New York depends on a variety of factors including your business’s size, location, and coverage needs.
Insureon’s licensed agents can help you find policies that fulfill New York’s requirements and your business insurance needs. Once you’ve purchased insurance with us, you can download a certificate of insurance by logging into your account. View our small business insurance cost overview or find out how much you can expect to pay for common types of business insurance.