Farm Bureau Mutual Automobile Insurance Company

There are many different plans and options when choosing a General Liability plan, and our experienced agents at The Cesar Group, Inc can assist you in finding the right plan at the right budget. If you have the right liability insurance plan in place, you can be protected if you face a lawsuit.

Travelers is another storied company with a history that stretches back to 1864, when one of its founders started writing accident insurance for two-cent premiums. The company as it’s known today was formed in 2004 with the merger of Travelers and St. Paul Companies and has an A++ rating from AM Best. Nationwide traces its roots back to 1926 when it operated as Farm Bureau Mutual Automobile Insurance Company. The name was changed to Nationwide in 1955 during its efforts to expand coverage to all states from coast to coast. Protect yourself from accidents that cause physical injury or damaged property.

There are more than 450,000 small businesses in New York state, which make up over $950 million dollars in revenue. A small business is defined as having fewer than 100 employees and can include anything from coffee shops to IT services. For malicious acts or any crimes you commit, well, there’s no https://www.bayareacrosswords.org/  policy for that. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

Sometimes this can be added to a Commercial Property, BOP, or Commercial Package policy, but other times it may be a separate policy. It will depend on your circumstances and an experienced insurance agent can help to determine what is right for you. Advertising Liability – Do you advertise for your contracting business at all? Even if it is just on social media, you could unknowingly cause damages to another business by what you post. Your competitors may be watching and if they feel that something you posted resulted in financial damages to them, like loss of business, they can sue you for that in addition to libel, slander, and defamation.

Financially protecting your company is one of the smartest business decisions you can make. Professional liability insurance covers lawsuits costs and fees and settlements related to mistakes or negligence you or your employees make while doing your work. If you and your business provide services or advice to your clients, it is likely that you need professional liability insurance coverage. In addition to standard bodily injury liability coverage, New York also requires you to have uninsured motorist bodily injury coverage. The Hartford offers many types of business insurance including general liability, BOPs, commercial auto, commercial flood, data breach coverage, commercial umbrella, business income, and professional liability coverage. The company also advertises more than 21 industry specialties including arborists, pet groomers, restaurants, printing, and publishing.

Accidents happen all the time, and business owners need to be protected in case there’s an accident in the workplace—especially since the average customer injury insurance claim is for $35,000. This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.

So, if a fire destroys your products or equipment, this coverage can help pay for their repairs or replacement. On top of this, we can help customize your policy to meet your business’ specific needs and include protection for valuable papers or records. Businesses in New York are required to have workers’ comp insurance if they have employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you. Commercial auto provides liability and physical damage coverage for your business vehicles. Most personal auto policies don’t cover vehicles used for business, which includes transporting supplies or traveling between job sites.

It lets you focus on growing your businessWhen you have general liability insurance, it gives you peace of mind. You won’t have to worry about what you would do if a client trips and falls or how you would pay for a new vase if you accidentally broke one in a client’s house. Liability insurance in New York is customized for your business so you only pay to protect against the real risks you face day-to-day in your business. Contact 01 Insurance for all your business insurance needs in Astoria, New York. If you live in New York state, you know that there are more people in the state than others.

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