Business Owner Policy / General Liability

Business Insurance

With a variety of coverage options and state laws to abide by, you need someone with superior insurance knowledge and expertise to help you secure the most effective business insurance in NY.

Keeping costs at an acceptable level involves securing comprehensive business insurance. New York business owners need someone like us, who strives to supply superior business insurance strategies. In our effort to best serve you, we have developed commercial coverage solutions that strategically balance your distinct needs, and operating requirements—while also helping to reduce the financial impact of unexpected losses like natural disasters, lawsuits, employee injuries, and more.

As a local New York business owner, how can you determine what you need out of your commercial insurance? New York state regulations will determine basic insurance requirements; among the common policies are New York workers compensation and New York small business health insurance. However, it’s important to keep in mind that these basic insurance components may not be enough.

New York business insurance packages can include a combination of the following coverage options:

  • Business Owners Policies (BOP)
  • Worker’s Compensation
  • General Liability Insurance
  • Errors & Omissions
  • Commercial Auto
  • Commercial Property
  • Group Benefits
  • Professional Liability

We pride ourselves on being able to identify the required New York state policies and suggest the most effective and affordable business insurance in NY ; that not only match your specific needs but also exceed all of your expectations.

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General Liability Insurance

Does your business have enough liability coverage?

Can your business ever have too much?

General liability is one of the most pervasive policies on the market today – and for good reason. It provides coverage for liability issues resulting from personal and advertising injury, including medical expenses.

It addresses accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, it can be designed to cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

Your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability line:

Protection of your business’ property from:

  • Fire
  • Theft
  • Vandalism

Claims due to:

  • Bodily injury
  • Property Damage
  • Negligence

Practice Areas