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BUSINESS AUTO INSURANCE, like personal auto, is required by law in NY and PA. If your automobile, van or truck is used in your business, particularly if used for transporting people or products, you need this coverage.
GENERAL LIABILITY INSURANCE coverage protects you for third party claims against most risks. Without liability insurance, a lawsuit could shut your business down and in some instances, you could be held personally liable.
PROPERTY INSURANCE coverage protects your investment of a building or business property such as inventory, office furniture and fixtures and property used in your business on the insured premises.
BUSINESSOWNERS INSURANCE is a package policy combining general liability and property with other necessary coverage's to insure your business continues in the event of a covered loss. This type of coverage is often used for retail and professional businesses.
PROFESSIONAL LIABILITY and ERRORS AND OMISSIONS INSURANCE is important for businesses supplying consulting and professional services such as real estate, law, accounting, insurance and medical fields.
INLAND MARINE or SCHEDULED BUSINESS PROPERTY protects your equipment, tools or supplies and installation materials while in transit or on a job site against covered perils.
WORKER'S COMPENSATION INSURANCE is mandated by law in both New York and Pennsylvania and covers employees against injury or even death on the job. Most owners can be covered or may opt out under certain circumstances.
BONDS including surety, fidelity and contractor's bonds are available, often with short notice.
OTHER COMMERCIAL COVERAGES INCLUDE:
-Commercial Umbrella Liability
-Business Income
-Crime Coverage's including employee dishonesty, forgery or alteration, money and securities, computer fraud,
robbery and safe burglary
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