Commercial Auto – The moment you start using a vehicle to do business, even if it is just driving to and from the job sites, you have to insure them on a Commercial Auto New York commercial general liability insurance policy. A Personal Auto insurance policy will exclude any claims that involve vehicles being used for business. Be sure to get your vehicles insured properly, because you don’t want to end up having to pay for a claim out of pocket, especially if it is a severe accident.
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. To find out more about these, as well as other business insurance products and services, call us and we’ll help make sure you’re properly covered. Employment Practices Liability Insurance Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights.
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle. Cover medical bills and lost wages if your employees have an accident at work. If you like what you see, you can adjust the package limits and make your purchase. Your insurance will begin immediately after payment, and you’ll have access to your certificate of insurance.
The level of risk your company is exposed to is by far the biggest factor for how much you’ll pay. Anyone who deals with the public has a bigger risk than someone who works online in their basement. Bodily Injury – Have you ever had a customer come on a job site that you are working on? Do you have an office in which any person at all, customer or postman, visits? Regardless of whether you are on your premises or at a job site you are liable for any bodily injury that may occur to another person. For example, if the postman brings your mail and you failed to fix cracks in your porch leading up to the door and they tip and get injured, you will be responsible for the damages.
If you own property or other valuable assets you would be wise to invest in sufficient commercial general liability coverage for your business to limit your risk exposure. Workers’ comp covers medical bills for work-related injuries and illness. It also provides disability benefits to injured workers, and protects New York business owners from liability over an injury. The state of New York requires every business that has employees, full-time or part-time, to carry workers’ compensation insurance.
Sign up for email updates and we’ll let you know as soon as we’re able to offer coverage in the Empire State. Uses machinery or tools to produce a good or provide a service for income. Digital assets, equipment, cash or furniture that could be lost, damaged or stolen. “”Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours.””
If your business manufactures, sells, serves or facilitates the use or purchase of alcohol, then your business will likely need this coverage. Liquor liability coverage may be sold as an add-on to a commercial liability policy or as a stand-alone policy. But, if you do not purchase this extra coverage, your standard commercial general liability policy does not protect your business against liquor-related claims.
Certainly, all of the policies will consider your claims history if there is any, and your work experience. Be sure to get quotes from many companies so you can compare prices and coverages. The New York State Department of Financial Services regulates insurance in the Empire State. Organizations that employ a staff of part-time or full-time workers that are either hourly or salaried are required to carry workers’ compensation insurance. This type of insurance is required, no matter what size your staff is; even if it only consists of one W2 salaried person. You must also carry NY commercial auto insurance if you are using a vehicle to conduct any business affairs.