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New York maintains specific guidelines to protect employees and individuals injured on company property. These laws mandate that business owners maintain specific types of commercial insurance in and around Rochester, NY.
Auto Policies
Companies cannot use standard auto policies for vehicles that are used for business purposes. Instead, they must obtain a specific policy designed for commercial vehicles. This includes vehicles used solely to transport equipment. People who use vehicles for personal or business purposes may need to obtain both personal and business policies to ensure appropriate coverage. An agent at Bajorek Agency Inc can help you learn what type of coverage you need.
Workers’ Compensation
This policy provides coverage for employees injured on the job. It can help pay for lost wages and medical expenses. Businesses with more than one employee must have these policies. Self-employed people who have a sole proprietorship do not need to.
General Liability
Business owners must have general liability coverage. This policy will help cover damages if the company is sued, such as for injuries sustained on the premises. Contractors, such as tree service companies, electricians, and plumbers, may need field-specific liability insurance.
Other Policies
There are several other types of policies that are not legally required, but can still help protect your assets. Property coverage can help cover the cost of damage from natural disasters or from a burst pipe that ruins your inventory. Business interruption coverage can help pay wages and other costs if you have to shut down for a few weeks, ensuring you don’t have to shutter your doors forever.
Our agents have experience working with business owners and are well-versed in Rochester, NY laws. We can help you understand the policies you’re legally required to have and the ones you should consider. Contact the Bajorek Agency Inc to learn more.