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Commercial Insurance

New York Business Insurance

...is intended to serve the insurance
needs of a commercial business rather than the needs of an individual.

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When purchasing business insurance in New York, there are many types of coverages to choose from. Below are the definitions of the two most common types of business insurance policies.

Business Owner's Policy (BOP)

A business owner's insurance policy combines property, contents, liability and business interruption coverage’s for small- to medium-sized businesses. Coverage is generally cheaper than if purchased through separate insurance policies.

Commercial Package Policy (CPP)

This is a commercial lines policy that contains two or more lines of insurance or two or more coverage parts. It will include some forms and/or endorsements that are common to all lines of insurance.

In order to qualify as a CPP, the policy must include two or more of these coverage parts: Commercial General Liability, various other liability coverage parts, Commercial Property, Commercial Crime, Commercial Inland Marine, Boiler and Machinery, Farm or Commercial Auto.

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Most businesses will need to complement their business insurance policies with a few other types of business insurance. These other types may include commercial auto insurance, workers compensation insurance, general liability insurance, property insurance, and umbrella insurance.

Use Erie County Insurance to get your online business insurance quotes today, and start reducing your business insurance costs now.

Other Business Coverages

General Liability Insurance
Also known as Business liability insurance, this insurance covers all liability exposures of a business.

Business Income Insurance
This type of business insurance is coverage that reimburses a business owner for lost profits and continuing fixed expenses.

Business Personal Property Insurance
Traditionally known as "contents," this term actually refers to furniture, fixtures, equipment, machinery, merchandise, materials, and all other personal property owned by the insured and used in the insured's business.

Commercial Auto Insurance
There are various types of business auto insurance policies. Some include business use of autos, vans, trucks, pick ups, rented and non owned vehicles.

Workers Compensation Insurance
Insurance that pays for medical care and physical rehabilitation of injured workers and helps to replace lost wages while they are unable to work.

Group Health Insurance
A business health insurance plan (also known as a group health insurance plan) will help spread the financial risk throughout your business, rather than on each individual. This will lower your health insurance premiums and help you obtain more health coverage for your employees.

Commercial Real Estate Insurance
This insurance provides coverage to property owners who lease or rent building space. The rented space for commercial property may be used for offices, retail stores, etc. Habitational Insurance is a form of real estate insurance. It is designed for multi-family housing units, with and without mercantile.

Restaurant Insurance
As a restaurant owner you could be held liable for anything from spoiled or contaminated food, to spilled hot coffee. This coverage is specifically designed for the risks your restaurant faces.

Business Interruption Insurance
This type of business insurance is also known as business income insurance, covers the loss of profits and expenses during the time that a business is closed.

Umbrella Insurance
Coverage for losses above the limit of an underlying policy or policies, terms of coverage are sometimes broader than those of underlying policies.

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Take the time to get a free business insurance quote online now. Have the best business insurance companies, with the best insurance rates, provide you with a business insurance plan to fit your company.

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Erie County Insurance offers Business Insurance in the following New York towns: Akron NY, Alden NY, Amherst NY, Angola NY, Blasdell NY, Boston NY, Brant NY, Buffalo NY, Cattaraugus NY, Cheektowaga NY, Clarence NY, Colden NY, Collins NY, Concord NY, Depew NY, East Aurora NY, Eden NY, Elma NY, Evans NY, Farnham NY, Grand Island NY, Hamburgh NY, Holland NY, Kenmore NY, Lackawanna NY, Lancaster NY, Marilla NY, Newstead NY, North Collins NY, Orchard Park NY, Sardinia NY, Sloan NY, Springville NY, Tonawanda NY, Wales NY, West Seneca NY, and Williamsville NY.

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