There are fourteen NY business insurance coverages that should be addressed with every single NY small business owner.
These coverages are basic to protecting every NY business. Some may be combined and included in a business owners package policy or BOP. Regardless, each should be addressed and, if declined, signed off upon.
By having the NY insurance consumer sign off on coverages that have been discussed (and potentially declined) both parties are held accountable for the accuracy of the business insurance program created.
The following is a list of 14 New York business insurance coverages that every small business owner should consider:
- Building and Business Property
- General Liability
- Business Income
- Crime
- Cyber Liability
- Business Auto
- NY Workers Comp
- Disability
- Professional Liability (Errors and Omission)
- Employment Practices Liability
- NY Directors and Officers
- NY Health Insurance
- Voluntary Benefits
- Employee Benefits Liability
The Rub
There are so many more business insurance coverages that a business may need. Use this list as the baseline for our discussion of your NY business insurance needs.
There is always the possibility that you will need additional protections, but addressing these coverages first will provide a solid start.
To begin the quote process for your business, call us at (518) 456-6688 or click here to begin the process by email.
Thank you,
Ryan Hanley
Image courtesy of David Castillo Dominici / FreeDigitalPhotos.net