General Liability Shop.com
Getting fast and affordable business liability insurance is easier than ever in New York. Our business liability Specialists help make it simple, and more convenient than ever, to qualify for lower rates and faster liability insurance quotes with one or more of our insurance partners. Whether you want us to shop your NY business insurance, or you want to get instant business New York general liability quotes online, General Liability Shop.com can help. 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.
You can also get a customized quote online to find out exactly what you’ll pay. A small business is defined as any company with fewer than 500 employees. Of New York’s nearly 2 million small businesses in 2008 , 440,510 were small employers. The cheapest policies for general contractors include exclusions that can make the policy not worth the 200 pages of paper it is printed on. Building and project owners require it as well as the building department when you open permits. Despite being a significant expense it is protection that is invaluable when you need it.
As a small-business owner, you must try to minimize the financial risks your business faces. Some risks you may consider to be acceptable, while others are unacceptable because the loss would seriously harm your business or even force it to close. Many of these unacceptable risks can be transferred to an insurance company. The information in this guide is designed to help small-business owners make informed decisions regarding their insurance needs. New York businesses that provide professional services, such as consultation or accounting, should consider this coverage.
Terri has 38 years of industry experience and knows a thing or two about insurance, so she reviewed and approved everything on this page. Unfortunately, Thimble isn’t currently available in the state of New York, but we’re working on it! Sign up for email updates and we’ll let you know as soon as we’re able to offer coverage in the Empire State. Personal Injury– libel, slander, copyright infringement, invasion of property or privacy, wrongful eviction, false arrest and similar acts that cause damage to a person’s reputation or rights. “”Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours.”” “”I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes.””
Adaptable – We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to find protection that meets both your needs and budget. Convenience – There’s several ways to get a quote whether you need a single New York policy or a combination of coverages. Simply start a quote online or call us to speak directly with a licensed agent. Businesses in New York are required to have workers’ comp insurance if they have employees.
General Liability insurance coverage can protect your New York business from these unexpected expenses. For malicious acts or any crimes you commit, well, there’s no insurance policy for that. General liability insurance is not required in New York, unless you’re a contractor. However, there are good reasons to consider getting general liability insurance to protect yourself and your small business. Agents are licensed representatives of insurance companies who are responsible for marketing its products. Under some circumstances, officers and directors of a corporation may become personally liable for their actions on behalf of the company.
BOP – A Businessowners policy, or BOP, is a great way to package together with your General Liability and Commercial Property coverage. It is designed for small to medium-sized businesses and allows for a little bit of savings since the two major coverages are combined on one policy. You will be able to cover a building you do business out of if you have one, your business personal property coverage, and your liability. You will even have the option to add additional insured’s as needed based on any contracts you sign for jobs. The Hartford has provided business insurance for the last fifty years, and has many options for small business owners, including general liability insurance. You can report claims online, and they have plenty of positive online reviews.
We return business insurance quotes quickly with more efficient technology, highly trained insurance Specialists and dedicated underwriters servicing our agency. New York general liability insurance is required by the state for most business owners. GL coverage is designed to protect NY business owners from direct or indirect damages to another party. Your liability insurance helps pay for those damages caused by the actions of your business, or your employees. New York general liability coverage pays for property damage and personal injuries involving customers, visitors and sub-contractors. Business owners in New York have a choice regarding insurance deductibles and policy limits within their coverage.
On average, a general liability insurance policy costs in the range of $250 to $1,500 a year in New York. They were specifically designed for very small businesses, and they operate in all fifty states, including New York. They have a full range of business insurance products, so if you need more than just general liability, they can accommodate you. You can pay all at once or in installments, and you can get a discount of 5% for home-based businesses and a 5% discount if you bundle policies. CoverWallet is a digital broker specializing in business insurance and located in New York city.