Business Insurance

Business Insurance is a crucial aspect of protecting your business. At NY Capital Insurance we understand small business and we specialize in tailoring a plan to better protect you.
There are several types of Business Insurance policies available to address different risks and coverages.

General Liability Insurance

General liability Insurance provides coverage for third-party claims of bodily injury, property damage, or advertising injury.
General Liability helps protect your business from legal costs, medical expenses, and damages resulting from accidents or negligence.

Property Insurance

Property Insurance covers physical assets, such as buildings, equipment, inventory, and furniture, against damage or loss due to events like fire, theft, vandalism.
It helps ensure that your business can recover and resume operations in the event of a covered loss.

Worker's Compensation Insurance

Workers' Compensation Insurance is required in NY for businesses with employees. It provides medical benefits, wage replacement, and other benefits to employees who suffer work-related injuries or illnesses. It helps protect your employees and your business from potential legal claims.

Professional Liability Insurance

Professional Liability Insurance, also known as errors and omissions insurance, is crucial for service-based businesses.
It provides coverage in case of negligence, errors, or omissions in professional services that result in financial harm to clients.

Cyber Liability Insurance

Cyber Liability Insurance helps protect your business from the financial consequences of data breaches, cyber-attacks, and other cyber risks. It covers expenses related to breach response, data recovery, legal fees, and liability claims resulting from a cyber incident.

Business Interruption Insurance

Business interruption insurance provides coverage for lost income and additional expenses when your business is temporarily unable to operate due to a covered event. It helps compensate for the financial impact of the interruption and assists in the recovery process.

Commercial Umbrella Insurance

Commercial Umbrella Insurance provides additional liability coverage beyond the limits of your underlying primary insurance policies, such as general liability, auto liability, or employer's liability.
It acts as an extra layer of protection and helps safeguard your business from catastrophic losses or lawsuits that exceed the limits of your primary policies.
In the event of a large liability claim, a commercial umbrella policy can help cover the remaining costs beyond the primary policy limits, potentially saving your business from significant financial strain.

Liquor Liability Insurance

Liquor Liability Insurance is specifically designed for businesses that manufacture, serve, or sell alcoholic beverages. It provides coverage for claims arising from incidents related to the consumption of alcohol, such as injuries, property damage, or accidents caused by an intoxicated person who was served alcohol by your business.
Liquor liability coverage is particularly important for businesses like bars, restaurants, nightclubs, and liquor stores, as they face unique risks associated with alcohol consumption.

Contractor Insurance

Contractor Insurance, also known as Contractor's General Liability Insurance or Contractor's Liability Insurance, is a specialized form of insurance designed for contractors and construction-related professionals.
It provides coverage for property damage, bodily injury, and other liabilities that may arise during the course of construction projects.
Contractor Insurance typically includes coverage for risks like accidents, property damage, completed operations, and contractual liability. It helps protect contractors from financial losses and legal claims that can result from construction-related incidents.

It's important to note that the specific coverage, limits, and exclusions of these insurance policies can vary depending on the insurance provider and the details of your business.

Contact NY Capital Insurance to consult with an insurance professional to determine the appropriate coverage and ensure that your business is adequately protected.

NY Capital Insurance can help assess your specific needs, evaluate the risks associated with your business activities, and guide you in selecting the right insurance policies to mitigate potential liabilities.