Railroad protective liability coverage protects contractors who work on or around railroad tracks and property. Travelers offers commercial general liability protection for many types of small businesses. One important thing for business owners to remember about BOPs is that, while they include multiple types of insurance, each coverage included in a BOP usually has its own limits, deductibles, and exclusions. Commercial general liability insurance covers accidents or injuries to your customers or other members of the public at your place of business. The insurance that you need for your small business depends on what type of business you have and your specific risks.

Digital assets, equipment, cash or furniture that could be lost, damaged or stolen. “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.”

That’s why carpenter New York commercial general liability insurance is usually more expensive than tutor insurance. General contractors sometimes need general liability as part of the license requirements in their state. Progressive was founded in 1937 and is the biggest commercial auto insurer in the United States.

Once you’ve purchased insurance with us, you can download a certificate of insurance by logging into your account. General Liability Insure does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on this website. You should contact your attorney, accountant and/or financial adviser to obtain advice with respect to any particular commercial insurance question, claim or issue. Lodging PlacesFind out what types of business insurance that New York hotels, motels and other lodging places should have to protect their varied operations. Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With NY general liability insurance, such issues are adequately handled.

Sole proprietors, partners, and one/two person corporate officers with no employees are not required to carry workers compensation. While general contractors are not required to carry workers compensation, they can be liable for claims filed by employees and would be wise to require sub-contractors to provide valid proof of workers compensation insurance. The New York State Department of Financial Services regulates insurance in the Empire State. Organizations that employ a staff of part-time or full-time workers that are either hourly or salaried are required to carry workers’ compensation insurance. This type of insurance is required, no matter what size your staff is; even if it only consists of one W2 salaried person.

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. They work with several leading carriers and are able to provide quotes from these companies for you. You can apply online and within a few minutes get and compare several quotes in the same place. These companies are often non-admitted carriers , so special caution and procedures are required. Your agent or broker can assist you, and the NYSDFS requires him/her to carefully advise you of possible pitfalls.

The Empire State boasts one of the largest economies not just in America, but the entire world. If you’re serious about starting your business in New York, take some time to consider what kinds of insurance coverage you’ll need. Being covered means you can focus on growing your company without worrying about expensive insurance claims. Cyber insurance protects against incidents like data breaches and cyber attacks. It includes first and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage credit card numbers should consider this coverage.

Business Owners, General Liability, Professional Liability and Workers’ Compensation policies are underwritten by insurers that are affiliated with Progressive and with unaffiliated insurers. Progressive Advantage Agency, Inc. attempts to quote each applicant contacting us for a quote with at least one of these insurers. Certain Progressive companies may be compensated as licensed agencies for performing services on behalf of these insurers. The information provided on this website does not constitute insurance advice. All content and materials are for general informational purposes only. Complete Insureon’s online application and contact one of our licensed insurance professionals to obtain advice for your specific business insurance needs.

Progressive offers a discount on commercial auto coverage when your business has general liability coverage or a BOP in force, even if the general liability or business owners policy is through a different carrier. Business owners can also save up to 15% for paying annual premiums in full upfront. You can purchase commercial general liability insurance as a stand-alone policy, as part of a Business Owners Policy or as part of a Commercial Package Policy . Consult with your insurance professional about what type of coverage you need and how much. If your general liability policy, BOP or CPP do not provide sufficient coverage, you may want to consider purchasing a commercial excess policy, which will provide additional protection.