Workers compensation and employment practices liability insurance are excluded but can be purchased as separate policies. In addition, pollution liability is excluded and can be purchased as an endorsement. However, this coverage is very limited, and high-risk businesses should consider purchasing a separate pollution liability policy.

If you own property or other valuable assets you would be wise to invest in sufficient commercial general liability coverage for your business to limit your risk exposure. Workers’ comp covers medical bills for work-related injuries and illness. It also provides disability benefits to injured workers, and protects New York business owners from liability over an injury. New York state law requires every business that has employees, full-time or part-time, to carry workers’ compensation. It also protects sole proprietors from work injury costs that health https://www.bayareacrosswords.org/  might deny. 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.

Limited coverage for medical payments includes payments for injuries sustained by a non-employee caused by an accident that takes place on the insured’s premises or when exposed to the insured’s business operations. This provides for prompt settlement of smaller medical claims without litigation. There is no defense or legal liability coverage—as there is with bodily injury and property damage and personal and advertising liability —since coverage is provided on a no-fault basis. General Liability Shop.com has already helped hundreds of business owners in New York find the most affordable quotes for their business liability insurance coverages. We’re a national commercial insurance agency appointed to represent more than 35 insurance carriers throughout the U.S. We return business insurance quotes quickly with more efficient technology, highly trained insurance Specialists and dedicated underwriters servicing our agency.

Experience the total flexibility of your policy anywhere, anytime, in an instant. Get the Thimble App and experience the total flexibility of your policy anywhere, anytime, in an instant. Terri has 38 years of industry experience and knows a thing or two about insurance, so she reviewed and approved everything on this page.

These policies cover the expense of out-of-court settlements, litigation and judgments awarded by courts. If your company owns or leases vehicles, this policy protects the vehicles and drivers from any damage incurred during the course of business. Our commercial auto insurance policies are offered through a Berkshire Hathaway subsidiary.

Cover medical bills and lost wages if your employees have an accident at work. If you like what you see, you can adjust the package limits and make your purchase. Your insurance will begin immediately after payment, and you’ll have access to your certificate of insurance.

While the above insurance policies are a good place to start with protecting your business, they are not the only ones you may need. To make sure your business continues to turn a profit, you must have a comprehensive insurance program that covers all the bases and hopefully leaves you with no gaps in coverage. If you live in New York state, you know that there are more people in the state than others.