What Business Owners Need to Know About Commercial Insurance

As a business owner in New York, you have a special responsibility to your company and your employees to protect your investments. These investments include both the time and the money you have put into your company. The best way to protect these investments is through smart insurance choices. At Windgate Insurance Agency Inc, serving New Windsor, NY, we understand that the best way to make these decisions is through insurance education. Keep reading to find out what you need to know about commercial insurance. 

What is Commercial Insurance?

Commercial insurance is a collection of insurance products that are specifically designed with the business owner in mind. These products provide comprehensive coverage for all of the areas of your business that could be financially vulnerable. Commercial insurance gives you an added layer of protection against expenses and liabilities which could harm your business. 

What Does Commercial Insurance Cover?

Each policy can be customized to fit your company’s specific needs, but, in general, commercial insurance will provide coverage in the following areas:

  • Auto Coverage: If your business operates vehicles as part of its regular operations, automobile coverage is necessary to protect both your employees and other drivers on the road. 
  • Property Damage: Property damage coverage is essential if you operate your company from a brick and mortar location. If there is damage to your property through fire, natural disaster, or burglary, the policy will kick in to cover expenses. 
  • Liability: This type of coverage is a must to protect you and your company against liability costs if someone is injured at your location or because of your services. 

If you would like to learn more about commercial insurance, please contact our office at Windgate Insurance Agency Inc, serving New Windsor, NY.