BUSINESS COVERAGE
What Is Small Business Insurance?
Small business insurance, also known as commercial insurance, is a group of coverages that helps protect a business from costs tied to lawsuits, property damage, employee injuries and other risks. Many businesses start with a Business Owner’s Policy (BOP), which combines general liability, commercial property and business income insurance in one policy.
Business insurance can help support companies of all sizes, from small businesses to more established operations, depending on their risks and coverage needs.
General Liability Insurance
Helps protect against covered claims involving bodily injury, property damage, and personal or advertising injury. Who it’s for: Businesses that work with customers, handle customers’ property or advertise.
Workers’ Compensation Insurance
May provide medical, rehabilitation and wage-replacement benefits for covered work-related injuries or illnesses. Who it’s for: Businesses with employees. Requirements vary by state and business.
Professional Liability Insurance
Helps protect against covered claims alleging errors, omissions or negligence in professional services or advice. Who it’s for: Businesses that provide professional services or advice.
Commercial Property Insurance
Helps protect covered buildings, tools, equipment and inventory. Who it’s for: Businesses that own or rent premises or rely on physical assets.
Commercial Auto Insurance
Coverage depends on vehicle ownership and business use. Who it’s for: Businesses using owned, leased, hired or employees’ personal vehicles for work.
Cyber Insurance
Can help address covered data breaches, network-security incidents, cyber extortion and related response costs. Who it’s for: Businesses handling sensitive information or relying on websites and networks.
What Coverage Might I Need?
Your operations, employees, property and contracts shape your coverage needs. Ask our team about a BOP, employment practices liability (EPLI), group health and disability insurance, and other suitable options.
Call (718) 837-7777 to request a quote. Coverage is subject to policy terms, limits, deductibles and exclusions.
RESTAURANT INSURANCE
Running a restaurant comes with unique risks from kitchen fires and food spoilage to customer injuries and employee accidents. Our Restaurant Insurance coverage is designed to protect your business, staff, and customers so you can focus on serving great food.
We offer tailored policies that can include:
General Liability ── covers customer injuries or property damage.
Commercial Property ──Protects your building, kitchen equipment, and inventory.
Workers' Compensation ── Covers employees in case of work-related injuries.
Business Interruption ── Helps replace lost income if you need to temporarily close.
Liquor Liability ── Protection for restaurants that serve alcohol.
Whether you run a small café or a full-service restaurant, we'll customize a plan that fits your needs and budget.
Contact us today for a free quote and protect your restaurant with confidence.
WAREHOUSE INSURANCE
Protect your warehouse operations from unexpected losses with comprehensive Warehouse Insurance. Whether you store goods, equipment, or materials, we offer coverage that keeps your business running smoothly even in the event of an accident.
Our policies can include:
Commercial Property Coverage ── Protects your building, inventory, and equipment from fire, theft, and natural disasters.
General Liability ── Covers third-party injuries or property damage on your premises.
Business Interruption ── Helps replace lost income if your warehouse operations are disrupted.
Workers' Compensation ── provides protection for employees in case of work-related injuries.
Equipment Breakdown ── Covers repair or replacement of essential machinery and systems.
From small storage facilities to large distribution centers, we tailor coverage to fit your specific needs and budget. Contact us today to get a customized warehouse insurance quote and secure your business assets.