Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal liability, collision and comprehensive, medical payments, and coverage for uninsured motorists.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. We will ask you many details about how you use vehicles in your business, who will be driving them and whether employees are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask us to explain all the differences and options. 
 

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General Liability

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
 

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Workers Compensation & Disability/Paid Family Leave

As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job. Disability Insurance is designed to aid your employee while out of work from injuries or illness sustained outside of work. 

In New York State, if you have employees, you are required to carry Workers Compensation coverage and Standard Disability/Paid Family Leave. 

Workers Compensation is also designed to protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOP's) are sold as package policies, they don't include coverage for workers' injuries. 

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Some Other Coverages you May Consider

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• Employment Practices Liability Insurance. 

• Directors and Officers Insurance. 

• Cyber and Data Breach Insurance.

• Errors and Omissions/Professional Liability Insurance. 

• Commercial Excess or Umbrella Coverage. 

• Inland Marine Coverage. 

• Liquor Liability. 

• Garage and Garage Keepers Liability.

• Products Liability.