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New York Commercial Insurance
When you need commercial insurance in New York, you should consider an independent agency, like ProActive Brokerage. Why? Instead of "take-it-or-leave it" prices offered by one company, an independent agency represents multiple insurance companies, giving you the opportunity to select the best business coverage at the lowest price. Whether your business is located in West Islip, Babylon, Lindenhurst, or anywhere in New York, you'll also be able to get and compare multiple quotes, saving you time and money even before you select your coverage.
New York Commercial Auto Insurance
At a minimum, you should compare quotes for commercial auto liability, uninsured motorist, comprehensive, medical payments, collision and personal injury protection (PIP). This is the standard New York commercial auto insurance coverage package. However, you can also add additional protection for damage while loading and unloading property, liability for any vehicles you lease, rent or borrow for business purposes. Other optional coverage is also available.
New York Commercial General Liability (CGL)
New York CGL, also called business liability insurance, protects your company against losses in a variety of problem situations. Typical CGL coverage includes bodily injury to persons other than employees, property damage your employees cause to another's property, personal injury caused by libel, slander and other damage to another's reputation or rights, advertising injury, should you be accused of deceptive claims, and legal defense costs should you face real--or frivolous--lawsuits and/or judgments.
New York Commercial Property Insurance
Even if you don't own your business location, you need property coverage. You will have furniture and equipment at a minimum. Should it get destroyed or damaged by any number of hazards, your property coverage will replace it quickly. If you also have inventory, some or all of it can be lost by fire, wind or water. You'll want to protect any outdoor signage from storm or vandalism damage. You will also be protected should you or employees damage the property of another.
New York Workers Compensation Coverage
If you have just one employee, you must also have workers compensation insurance. Whether your business is in West Islip, Babylon, Lindenhurst or anywhere within New York state borders, you must get and keep in force a workers compensation policy. The only businesses exempt from this requirement are sole proprietorships with no employees, partnerships with no employees, and corporations owned by one or two people--and having no employees. Workers compensation policies typically cover employees injured at the workplace. Employees receive around two-thirds of their weekly compensation and medical costs, while they're unable to work.
New York Business Owners Package (BOP)
Small and medium-sized businesses can benefit from a BOP, a single policy that includes property and CGL coverage. This coverage can save businesses money, while offering the features companies need for protection. You can get "replacement value" coverage, which will replace damaged or destroyed property without deducting depreciation. The CGL portion protects your business from bodily injury or property damage claims of others harmed by your employees.