As a business owner in New York, you have a lot on your mind on a daily basis. You have likely invested a significant amount of time, energy, and money into your venture and strive everyday for it to succeed. Unfortunately, businesses face many risks that can have a devastating effect on a company’s assets and can leave the business bankrupt.
Business owners can protect their commercial enterprises from unexpected circumstances and financial damages by having the essential commercial lines of insurance. Since every business is different, there is no one-size-fits-all solution for selecting commercial insurance. Instead, you should have an experienced and knowledgeable commercial insurance agency evaluate the needs of your particular business and help you choose a package that will provide the best protection based on your risks.
At the Skeele Agency, Inc., we have decades of experience helping businesses with their commercial insurance policies, so please do not hesitate to discuss your needs with us today.
Types of Commercial Insurance
At the Skeele Agency, Inc., our agents will explore many different types of commercial lines of insurance to determine which is the best for you. The following is some additional information on our commercial insurance products.
Property Insurance
For a bricks-and-mortar business, your property is often vital to the success of your company. Whether you own a building or rent an office space, you need to be certain your business is protected in the case of damage to the property or any of the equipment or inventory inside. Commercial property insurance can cover the following and more:
- Retail space
- Office buildings
- Service facilities
- Restaurants
- Apartment complexes or buildings (with five or more units)
- Wholesale facilities
- Farms
- Bed and breakfasts
- Churches
- Municipality facilities
- Fire departments
- Inland marine
- Vacant buildings
Liability Insurance
In addition to losses regarding property, a business can also face substantial losses if it is found liable for harm to others. Other businesses or individuals may bring a claim for breach of contract, physical harm, among other claims. Employees can also bring claims for unlawful treatment or injuries. In such a situation, a legal judgment can bankrupt a business, so it is imperative to have adequate liability insurance to cover these situations. There are many types of liability insurance, including:
- General liability
- Premises liability
- Professional liability
- Contractors/construction
- Home inspectors
- Home-based businesses
- Animal control officers
- Sales and craft vendors
- Non-profits
- Events
- Clubs
- Organizations
Business Owners Insurance
The commercial insurance agents at the Skeele Agency, Inc. understand that some businesses may need many different types of insurance coverage and that managing several different policies can be time-consuming and unwieldy. As a result, we offer a comprehensive business owner’s policy (BOP) that includes coverage for a variety of circumstances. Some options that can be included in our BOP offerings include the following:
- Business property coverage
- General liability
- Professional liability
- Loss of business income
- Data breach coverage
In addition to all of the above types of insurance, the Skeele Agency, Inc. can also assist with workers’ compensation insurance, New York State disability insurance, auto and fleet insurance, flood insurance, excess liability and umbrella policies, and more.
Call for a Commercial Insurance Quote Today!
Not every insurance agency is familiar with commercial insurance options. At the Skeele Agency, we are proud to be a full-service agency with agents who are experienced and qualified to help both individuals and businesses with their insurance needs. We have been serving New York since 1957 and we know we can help you. Do not risk your business being vulnerable to financial damages – please call one of our convenient office locations for a quote today!
