Visit the Department of Labor or search Standard Industrial Classification Codes for information about general liability insurance. Our agency specializes in helping business owners find commercial insurance products like general liability, professional liability, property coverage, commercial auto and more. A technology business package will provide you with specialized tech-specific coverage for broad property and general liability coverage.
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These policies are required everywhere in New York, from Rochester to New York City. This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.
The type of insurance you will be required to have in New York will vary by the county you operate in. Contractors are required to be bonded if you work on public projects, like government-type jobs. Some counties will even require you to be bonded before you can get licensed. Contractors are also required to carry Workers Compensation insurance. This is something you should carry anyway as it is essential coverage for your employees, regardless of what state you live in.
General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Skene Valley Insurance recommends that all businesses have general liability coverage in place. Owners and contractors protective liability insurance provides coverage for the insured against bodily injury or property damage sustained from work being performed by a designated contractor on their job site. General liability is included in most business insurance packages because it covers the risks that many business owners face every day.
Since we can never be too sure of an accident’s arrival, this is a vital policy for businesses of all shapes and sizes to hold. To prepare your business for the uncertain future, you must hold business income interruption coverage. Property Damage – Damage to your clients’ property or any other property during your work is something that you will be responsible for. An example of this would be you are working inside a client’s home replacing cabinets and damage the flooring. Or, you are pulling into a driveway of a client’s home and misjudge the distance to the neighbor’s mailbox and plow right into it. If you’re confused by any of this don’t worry, we’ll make the process easy.