Business Insurance In Rochester, NY
Does your small business or large company in Rochester, NY have a proper safety net? Operating without the right commercial insurance coverage could be the biggest mistake you ever make! No matter how careful you are, mistakes, accidents, property damage, and lawsuits are bound to happen. You may also be legally required to carry workers’ compensation coverage or a commercial auto policy. You can have peace of mind, and talking to the experienced agents at HCP is the first step to getting it.
Get in touch with us today to find out more about business insurance in Syracuse, NY and other Empire State communities like Rochester, NY.
What does business insurance cover?
Depending on which policies and which company you choose, you can find commercial coverage for nearly any peril you can imagine. One of the most common and versatile policies is general liability coverage. You have probably heard stories about entrepreneurs who were sued after a customer slipped and fell in their store, or when a defective product caused an injury to a consumer, leading to a product liability lawsuit. Product liability and many other situations can cost a small business owner thousands, and they are exactly the type of perils covered by a general liability policy. Here are some other types of coverage you may want to consider for your commercial operation in Rochester, NY:
Types of insurance that you need for your business
While a general liability policy is a great start for commercial enterprises of all sizes, you may need additional coverage specific to the type of commercial operation or practice you run in Rochester, NY.
- Professional Liability – If you are a lawyer, doctor, financial advisor, or any other provider of professional services, you can be liable for the advice and care you provide. One mistake or lapse in judgment could lead to an expensive lawsuit. Professional liability coverage can protect you from lawsuits accusing you of negligence and malpractice.
- Commercial Auto – This is a required type of coverage if you use any vehicles in your daily operations. If you make deliveries, use trucks for contracting, or use company vehicles on public roads for any other enterprise, a commercial auto policy can protect you from liability related to vehicle accidents.
- Workers’ Compensation – If you have even a single employee, workers’ compensation coverage is required by law. This coverage can protect you and compensate your employees for their medical bills and time off work if they become injured or sick on the job.
- Cyber Liability – Businesses that store sensitive customer information like credit card numbers and social security numbers can be held liable if that data is leaked or stolen by hackers. A cyber liability policy is designed to shield you from lawsuits related to data breaches.
We specialize in small business insurance
You can protect your small business from product liability lawsuits, liability from cyber attacks, property damage liability, and so much more. Get in touch with HCP Insurance to find out more about coverage options for your commercial operation. We can assist you in finding professional liability, cyber liability, and other policies from our nation’s top insurers. Working with a brokerage means you get all the benefits of having an entire team shopping around for the best policies and rates for small business owners in Rochester, NY, and it won’t cost you any more than it would to shop on your own. We can also help you find affordable rates on homeowners insurance in Rochester, NY, as well as other personal policies like term and whole life, flood coverage, and more. Call us today or visit our contact page to request a consultation online today!