New York business insurance provides retail shops, service providers, and other businesses with the coverage and protection required to survive and thrive in the modern economy. The policies you select should address the concerns common to all businesses while also providing the tailored coverage required to protect the unique qualities of your enterprise.
Essential Business Policies
New York business insurance for properties is one of the most essential policies you will shop for; its purchase should be a priority. This policy will help protect:
- The building your business is housed in
- Lawn, fences, and landscape features
- Outdoor signage
- Property that belongs to visitors
Even people who own a home business should purchase this coverage. Many business property policies will cover the space where business takes place, even if that space is inside a home.
Other Important Business Policies
Commercial auto insurance provides the same kind of coverage offered by individual auto policies though can be extended to cover a fleet of vehicles or tailored to accommodate private vehicles used for business purposes.
Workers compensation policies cover bodily injuries employees sustained while on the job. Medical treatment, temporary and permanent disability, death benefits, and other concerns are covered by this policy. An employers’ liability policy can take care of a range of third party claims and other claims that the policy holder may be held civilly liable for.
Business owners have to be proactive about their insurance needs. Shop with a company known for providing quality New York business insurance coverage in your area to access the policy options you require.