To establish a business and manage it is not an easy task. Always there are some unexpected expenses. Fortunately, Business insurance will help you out to minimize these losses.One major loss will ruin out your business. While there are many types of insurance including in business insurance like General Liability Insurance, Worker’s Compensation Insurance, Professional Liability Insurance(E & O), Business Owner Policy, Umbrella Insurance, Bonds and Disability Insurance. Most important of all this is to get the insurance as per your business requirement with the right limits and deductibles. We are offering you one-stop shopping for your business insurance. We do quote with many insurance companies saving your time and the hassle of moving around and you will get insurance at very low price. It is very easy to get insurance quote through us. Get started now by putting your information or click on call now button.

business insurance

General Liability Insurance

To protect your business from any mishap General Liability Insurance is the first step. It is the most important part of your business because it will protect you from any loss like bodily injury claims, property damage loss, personal injury, and data loss. Now the main question is what type of business required general liability insurance. If you are using a third-party location for business, if you are taking a contract, using third-party tools for any work, representing the business of your client, operating a business without physical property ownership you need the general liability insurance. We provide general liability insurance for all types of businesses like a restaurant, grocery stores, pharmacy, garages, construction companies, retail stores, wholesalers and all other types of businesses. Our staff is fully knowledgeable of all the products we are offering. Give us all your business information and we will provide you the right insurance as per your business needs. You will not have to shop around to find a cheap insurance because we have multiple insurance carriers and our staff will compare the rates and give the right price at the right time.

Worker’s Compensation Insurance

Worker’s Compensation Insurance helps you out to pay for any work-related injuries for your employees. It includes death benefits, illness, medical expenditure, lost wages and rehabilitation cost. It also protects your business from any type of legal exposures. As per state law Worker’s Compensation Insurance is required by everyone who is running their business and have employees. It also helps your business for being used by employees due to workspace conditions. We have a team of professionals and they will understand your business and helps you out in finding a right insurance as per your business needs. We have a lot of insurance carriers for Worker’s Compensation Insurance including private carriers and state carriers. Employees who have to be covered under Worker’s Compensation Insurance are Farmworkers, Teachers, corporate officers, Officers for one or two person corporation, Part-time employees, borrowed employees and leased employees.

Professional Liability Insurance

Professional liability insurance includes E&O insurance. E&O stands for Error and Omission. This policy is also known as a commercial general liability and designed for the professional. Even the best-trained employees can do mistakes and it will cause you a claim even a worst serious injury but having an Error and Omission policy it will protect you as well as your business from claims and cost loss. This policy will help you out to cover the legal expenses and damages out of the court but it will depend upon your policy liability limits. We have a team of professional staff and they will help you in choosing the proper limits, correct deductibles, and right defense costs. Carrying incorrect limits will cause a major problem for you and your business. Share your all business information with us and we will help you out in getting a perfect insurance as per your requirements.

Business Owner Policy

If you have a business property you will have to go for business owner policy. This policy includes the combination of coverage’s which includes insurance for your business and property. Bop can also help you out in saving money if you have a small business you can take a business owner policy because it will provide multiple coverages under one insurance. To get BOP insurance you will have to meet certain criteria if you are a contractor then you are not allowed to take the BOP policy because your business is high risk. For that type of risks, general liability insurance will protect your business. Main criteria to get a BOP policy is you have a small business and work in a risk low industry. To get the BOP insurance share your information with us and we will help you out in getting a correct BOP policy for your business.

Umbrella Insurance – Business Insurance

Umbrella insurance provides an umbrella for your business to be protected from any liability issues and remains safe. Liability insurance provides coverage for bodily injury and property damage to others. Having an umbrella insurance will provide the additional coverages and will extend those liability limits. This policy simply puts you under the umbrella and help you out when you are exceeding your liability policy limits. Umbrella insurance has a very low affordable premium. Umbrella insurance is available from $1 million to $5 million liability limits. Having an umbrella insurance with the coverage limit of $5 million will save your business from financial ruin. To get an umbrella insurance for your business share your business information with us and we will provide an umbrella insurance with right coverages and limits in very low price.

Disability Insurance – Business Insurance

Any employee who has 30 days of employment in a job should have to be covered under the New York state disability law. Disability insurance covers the disability of workers during the employment which is not covered under the worker’s compensation insurance. Disability insurance includes only the cash payment befits. Every business in NY requires the disability insurance for their employees. In simple when an employee is disabled by illness or injury will receive cash benefits on weekly basis to replace in part. To get the disability insurance please share all your information with us and we will help you out in saving your employees.