We offer the following services including, but not limited to:

  • Business Owners Policies

  • General Liability Insurance

  • Business Property Insurance

  • Commercial Umbrella Insurance

  • Inland Marine Insurance

  • Commercial Auto Insurance

  • Professional Liability or Errors and Omissions Insurance

  • Cyber Liability Insurance

  • Directors and Officers Insurance

  • Workers Compensation Insurance

  • Pay-as-you-go Workers Compensation Insurance

  • Disability Insurance

  • Employment Practices Liability Insurance

  • Builders Risk Insurance

  • Condo Association Insurance

 

How Can We Help?

FAQs

+ Will my business be audited?

A business will be subject to insurance company audit if the premium classification on the policy is based on sales, receipts or payroll.

+ When do I need workers compensation insurance?

You are required by law in NYS to maintain workers compensation if you hire employees.

+ What is replacement cost versus actual cash value? Do I have an option when I purchase insurance?

In the event of a covered loss, replacement cost will pay for the damage without regard to depreciation eg. New for old. An actual cash value settlement would be based on replacement cost less depreciation. You do have an option to insure your property for actual cash value but such an option is not advisable.