At it’s core, General Liability Insurance (a.k.a. CGL for Commercial General Liability) is the most basic form of commercial liability coverage. If you own a business, having General Liability coverage is not optional — it’s mandatory. Are you a business owner in Skaneateles looking for General Liability Insurance? It only takes one claim to financially cripple your business, so it’s important that you have adequate coverage from a highly rated carrier. 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 New York general liability question claim or issue.
Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow. Information Technology and InternetLearn about New York IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work. Every business needs to protect themselves from accidents or injuries that may occur on their business grounds. General Liability insurance coverage can protect your New York business from these unexpected expenses. The Hartford shall not be liable for any damages in connection with the use of any information provided on this page.
Sign up for email updates and we’ll let you know as soon as we’re able to offer coverage in the Empire State. Uses machinery or tools to produce a good or provide a service for income. 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.””
Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make. In addition to standard bodily injury liability coverage, New York also requires you to have uninsured motorist bodily injury coverage. Unlike workers compensation insurance and commercial auto insurance general liability is not required. You could buy a stand-alone policy or combine general liability insurance with property insurance. The policy provides protection in the event of any actual or alleged error, misstatement, omission, misleading statement or breach of duty.
It is not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you. The standard business owners’ policy includes property insurance, crime insurance, vehicle coverage, liability insurance, flood insurance, and business interruption coverage. Workers comp insurance pays for medical costs, lost wages, disability benefits, death benefits, re-training costs, etc. if and when an employee gets injured or becomes ill at work. It means that regardless who is at fault when accidents happen, employees still receive benefits.
If you are thinking about starting up a business in NY, it’s important for you to have an understanding of the status of the state, regarding its economy. It’s also important to know about the insurance requirements for business owners in the Empire state. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations. Incidentally, if you already have general liability coverage, we’d be happy to give you a complimentary policy review to ensure that you’re not being overcharged for the coverages included in your existing policy. Our agents can assist you in considering all aspects of your General Liability insurance package to give you the most appropriate policy available.
In New York, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in New York without a workers’ comp policy. Small Business Commercial AutoLearn about New York commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes. Food and DrinkLearn about New York restaurants, bars, liquor stores commercial insurance coverages.