Business Insurance In Hudson, NY
You have worked hard to build your business and achieve your dreams. Don’t let an unexpected event rob you of everything you have built! Your Hudson, NY small business is too important to risk losing it because of a natural disaster, lawsuit, or data breach. With the right coverage, you can be protected from a variety of perils, and when you work with an insurance brokerage, it can save you time and money.
The team at HCP can help you find great rates on business insurance coverage, including workers’ compensation, commercial auto, and even cyber liability so you don’t have to worry about financial losses. Not only can we recommend coverage options you may not have considered, but we may be able to save you money by bundling policies. And if you think you can’t afford to have that kind of customer service, think again; the commissions we receive don’t have any effect on your rates. That means working with HCP won’t cost you any more than it would to shop for coverage on your own! Whether you own a small business or you’re looking for coverage at a larger company in Hudson, NY, there’s no reason not to call HCP.
Types of business insurance that we provide
Here are some of the policies you may want to consider for your business in Hudson, NY:
- Property Coverage – Just like homeowners, businesses need protection for the structures of their physical locations. If you experience damage to any buildings owned by your company, your property coverage can help you pay for repairs.
- Cyber Liability – Data breaches are becoming commonplace today, and as a business owner, you can be held liable for any customer data that is stolen. Cyber liability coverage can compensate you for your liability related to data leaks and hacking incidents.
The differences between general liability & professional liability insurance
Two of the most common policies for commercial enterprises are general and professional liability coverage. Here are the differences between the two:
- General Liability – This is a type of catch-all policy that can cover a wide range of situations. For example, if a customer slips and falls in your store, it can cover their medical bills. Or if one of your employees would cause damage to a customer’s home, your general liability coverage could help you pay for the repairs. It can also help protect you from financial losses related to product liability lawsuits.
- Professional Liability – This policy covers different liabilities; those that stem from accusations of negligence and malpractice by professional services providers. That would include doctors, lawyers, financial advisors and more. You can be held accountable for the advice or treatment you provide, and professional liability coverage will help protect you from lawsuits.
Business insurance is legally required
Some types of coverage may be required for your commercial enterprise to operate in Hudson, NY.
- Commercial Auto – Do you use any vehicles in your daily operations? You need to be covered for any potential accidents that occur during the workday. Commercial auto coverage can help protect you from liability for car accidents involving you or your employees.
- Workers’ Compensation – Any business with at least one employee must carry workers’ compensation insurance. This coverage will help your employees pay for their medical bills and lost wages if they become sick or injured while on the job.
Natural disasters, accidents, injuries, and more can occur at any time, so the sooner you protect yourself, the better. Get in touch with HCP right away to find out more about commercial coverage options that can protect you from property damage, product liability and so much more. Don’t risk losing your small business; call HCP with all your questions about commercial insurance in Albany, NY, and other Empire State communities like Hudson, NY.