In addition to the above, Specialty General Liability coverage is available for certain types of businesses. Our mission is to help businesses in NYC manage the costs of Insurance. The New York City Business Group has addressed the insurance needs of businesses and individuals in the Staten Island NY, Brooklyn NY, New York NY, Queens NY, Nassau and Bronx NY for over 10 years. Bodily Injury– physical damage to a person other than an employee at your place of business and injuries caused by you or an employee at a client’s home or work place.
The most influential factor, however, is the type of work that you do. Businesses are typically rated on the exposures that are unique to their industry. High-risk professions like tree trimmers and manufacturers can expect to pay more for coverage. “”We needed quotes fast and coverage even faster. We received both. We appreciate your service. THANK YOU.”” Skene Valley Group is an independent New York general liability agency with offices in Whitehall, Granville, and Cambridge, New York.
If you are thinking about starting up a business in NY, it’s important for you to have an understanding of the status of the state, regarding its economy. It’s also important to know about the insurance requirements for business owners in the Empire state. Sports and FitnessLearn about New York sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected. MiscellaneousFind informative articles on miscellaneous NY businesses including the types of commercial insurance they need, costs and other considerations. Children and PetsDiscover what New York commercial insurance policies cover for children and pet related businesses.
Property damage – If you get into an accident in which you are at fault, your auto policy’s Property Damage Liability coverage insures the cost to repair or replace the other party’s vehicle. New York requires that all drivers carry minimum automobile insurance. If you use your car or truck for business, it is recommended that you purchase a commercial vehicle policy. The best way to find the right coverage for your business is to compare quotes from different insurance carriers. Business Owners, General Liability, Professional Liability and Workers’ Compensation policies are underwritten by insurers that are affiliated with Progressive and with unaffiliated insurers. Progressive Advantage Agency, Inc. attempts to quote each applicant contacting us for a quote with at least one of these insurers.
Here’s how to choose a policy by looking at six different aspects of your general liability insurance quotes. Companies with a storefront or frequent client interaction should consider higher policy limits as they’re more susceptible to bodily injury, property damage, and advertising injury lawsuits. General liability insurance ranges from an average cost of $340 per year to more than $600. If your business is small and low-risk, you may be eligible for a business owner’s policy , which combines general liability insurance and commercial property insurance at a discount.
Anyone who deals with the public has a bigger risk than someone who works online in their basement. Business is inherently risky, but General Liability insurance protects against many known and unknown risks. At it’s core, General Liability Insurance (a.k.a. CGL for Commercial General Liability) is the most basic form of commercial liability coverage.
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. Additionally, if a customer or food delivery person walks on your job site and is injured, you are liable for that as well. This proves to them that you have active insurance coverage, which is typically a requirement if you’re running a business in most states.
Travelers offers commercial general liability insurance options that protect against the unique risks of businesses in a wide range of industries. New York General Liability insurance, along with your property and work comp policies, protects your business if you’re sued for personal injury or property damage. A typical policy will cover those accidents or damages that occur on-site or as a result of using goods or services sold by the company.