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Business Owners Insurance Coverage

If you are a business owner in New York, you understand the challenges facing your company. There are myriad risks that can devastate your investment and it is for this reason that we offer versatile business owners insurance coverage (BOP), protecting you from financial damages.

We are Skeele Agency, Inc. and for the last 58 years, we have faithfully served businesses in the city and beyond. We have a vast range of business owner’s insurance options for you to choose from. Our insurance agents are always on hand to get you the most suitable business owner’s insurance coverage for your particular situation. If you have been wondering how you can protect your business against lurking perils, we’ve got you covered with the right policy.

Business Owners Insurance Policy

Most of the BOP policies on the market combine property and business liability coverage. Our business owner’s insurance policy provides several other invaluable options in one convenient package. These include:

  • Business Property Coverage:

    This protects your premises, equipment, and inventory.

  • General Liability:

    This coverage protects your business against any claims made against it by another business or an individual. It also covers claim made against one of your employees.

  • Data Breach Coverage:

    This helps you to cover the costs of a data breach in your company. It helps you to restore your services as quickly as possible, thus winning your customers’ trust.

  • Professional Liability Coverage:

    This protects your business against a claim made by a client based on the wrong professional judgment, error or omission, or any other loss caused by your advice or services.

  • Loss of Business Income:

    This is a crucial part of our BOP policy, as it protects you in the case of an unexpected event that leads to the suspension of business operations. The cause of the closure must be a covered loss under the policy.

We understand that every small business is unique and you might need additional coverage for your enterprise. This is one reason we have developed customized policies, which either provide additional coverage or offer less depending on your unique situation. For instance, if you are a consultant without any employees, it would be better to consider professional liability coverage in your BOP policy as opposed to workers compensation. Our agents are highly experienced in business owners insurance and can give you advice based on this expertise.

BOP Insurance Policy

We understand that as a small business owner, you might feel that your ordinary liability coverage is enough. However, we advise our clients obtain a BOP policy because it not only covers more perils, but you also save by bundling your insurance coverage. If you own a business building, have employees, handle large volumes of data, and also use modern office or industrial equipment, BOP coverage is for you.

We have the prerequisite skills, personnel, and resources to get you the best BOP quote today. We offer the services of the best carriers in the industry from Allstate, Adirondack, Auto One, Countryway, Eastern Mutual to Hagerty, among others. Contact us today or visit our offices in Cazenovia, Chittenango, DeRuyter, Manlius and Waterville/New Hartford.

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