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Business & Commercial Insurance 

Has your insurance program evolved with your business to keep you protected? There are many coverage options to safeguard your business, even ones you may not have known were available to you!

Commercial Auto Insurance

The same types of auto insurance coverages are needed for the car used for business and the car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. These coverages can be provided on a commercial auto policy. 

General Liability Insurance

General Liability insurance can prevent a legal suit from turning into a financial disaster. The coverage provides financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. Coverages are broad reaching, including:

• Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
• Property Damage coverage for the physical damage to property of others or the loss of use of that property
  
• Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
  
• Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
  
• Contractual Liability extends to any liability you may assume by entering into a variety of contracts
  
• Other coverage includes: Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
  

Workers' Compensation Insurance

Workers' Compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This controls the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers' Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers' Compensation Insurance. Workers' Compensation Insurance is not health insurance. Workers' Compensation is designed specifically for injuries sustained on the job. 

Do I need Workers' Compensation insurance?

Yes. Workers' Compensation protects employers from lawsuits as a result of workplace accidents and provides medical care and compensation to employees hurt in workplace accidents. This insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers' Compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents. 

Each state has different laws. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved. 

DISABILITY INSURANCE

New York State requires any entity that meets the requirement for Workers' Compensation to carry NYS Disability insurance. This insurance covers workers for medical conditions that happen off the job which prevents them from discharging their duties. There are many levels of coverage from which to choose.