Commercial Insurance In Buffalo, NY

In addition to the various types of legally required insurance coverage – like commercial auto and workers’ compensation – that many types of businesses need to operate in New York State, a company or small business may choose to have additional coverage. If your company deals with sensitive customer data, for example, you may want to purchase cyber liability coverage to protect you in case of a data breach. If you are an accountant, lawyer, or other professional services provider, you may want to get some professional liability coverage to protect you if you are accused of negligence. These and other types of coverage are designed to protect businesses from incurring financial losses due to property damage, lawsuits, and other liabilities. They have the potential to save your business from having to close its doors permanently.

Call us today or request an appointment online to speak with an agent about business insurance in Syracuse, NY and other communities all across the Empire State, including Buffalo, NY.

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We provide insurance to small businesses

  • Small business burdens: As a small business owner, you juggle numerous responsibilities daily.
  • Simplified insurance shopping: HCP handles the complexities of finding the right commercial insurance for your Buffalo, NY business, saving you time and effort.
  • Cost-effective solutions: Partnering with HCP doesn’t increase your insurance costs compared to searching independently.
  • Personalized policy matching: We match you with a policy that fits your specific needs and budget.
  • Dedicated support team: Access a team ready to answer your questions and assist with additional coverage needs.
  • Optimal commercial coverage: Get the best possible commercial coverage without adding to your workload.

Types of business insurance policies that we provide

Here are some of the main types of commercial policies we can provide for your company or small business in Buffalo, NY:

  • General Liability – Anything could happen during your normal operations. A customer could fall and get hurt on your property, an employee could sue you after an injury at work, or a vendor could sue you if they get injured while making a delivery. Your general liability policy can cover these and countless other scenarios.
  • Workers’ Compensation – If you have even a single employee, you are required by law to carry workers’ compensation coverage.
  • Employment Practices Liability – This type of policy can cover your liability if you get accused of certain employment law violations.
  • Professional Liability – One of the most well-known types of professional liability coverage is the medical malpractice insurance carried by doctors and medical professionals. Other professionals, like financial advisors, lawyers, and more, may also want to carry this coverage in case they make a costly mistake when dealing with a client.
  • Commercial Property Coverage – Damage to your building, equipment, and inventory can happen at any time. This type of policy can compensate you for such losses and may also be able to replace your lost income if you have to temporarily close your doors.
  • Commercial Auto – If you use any vehicles in your daily operations, you will need a commercial auto policy to cover your liability for accidents and other mishaps.
  • Business Owners Policy – This is a type of bundled policy that can provide a range of coverage, saving you time and money.

These are just some of the policies available to your small business or company in Buffalo, NY. Call the agents at HCP to find out more about cyber liability, directors’ & officers’ coverage, product liability, and more. We can also help you with other types of policies, like homeowners insurance in Buffalo, NY and other Empire State communities.

What does business insurance protect?

Depending on the types of policies you select, your small business or large corporation can be protected from liability for injuries, damage to your property, and other losses. For example, say a power outage causes your restaurant to lose thousands of dollars in food inventory. Your insurance coverage can compensate you for that lost inventory, and may also cover you for the money you lose while you are closed.