Commercial Insurance in New York
When it comes to small business, New York is one of the leading states - there are over 2 million small businesses throughout the state. If you are an owner of one of them, then you probably have many things on your mind. Most likely, you have invested a lot of time, effort, and money to make your business flourish, so having proper commercial insurance should be your first and main priority.
Things To Know
Commercial insurance helps to protect your business, including you, as a business owner, and your employees. It is one of the most important investments for the future of your business that gives back to you in the long run. Bajorek Agency Inc. from Pittsford, NY prepared the list of things you should know when shopping for business insurance in New York:
- According to the laws of the state, every business owner who employs at least one person (both part- and full-time) must carry workers' compensation insurance. The exceptions are partners, proprietors, and one/two-person corporate officers. Workers' compensation insurance covers employees for loss of income and paying medical bills through job-related accidents.
- It is a requirement for all business owners to have disability coverage as a form of income protection in the event an employee is unable to continue working due to a disability.
- All commercial vehicles owned by businesses must be covered by commercial auto insurance. It will cover the damage to the vehicle, property damage and bodily injury liability, injuries to a driver, other passengers and motorists, and pedestrians.
We Are Here For You
If you are a business owner from Pittsford, NY and you are shopping for commercial insurance, Bajorek Agency Inc. is ready to help you to find the most appropriate coverage based on your needs and budget. Call us today to find out how we can help you to protect your business and contribute to your success.