Walter O. Rogers Insurance Agency LLC
Free quotes (607) 334 - 8924
Over 40 years of family expertise and quality service

BUSINESS INSURANCE

Liability, Workers Comp, Property, Umbrella

YOUR BUSINESS NEEDS PROTECTION FROM BODILY INJURY, PROPERTY DAMAGE, INCOME LOSS, AND PEOPLE LOSS

You can protect all these exposures with coverages offered by the following type of policies:

  • Businessowners Policy (BOP)
  • Commercial Package Policy (CPP)

  • Commercial General Liablity (CGL)
  • Professional Liability
  • Workers Compensation
  • Property Insurance
  • Umbrella Coverage
  • And more...
  • WE ARE SMALL BUSINESS SPECIALISTS

    As your local agent, we can determine the best fit plan that protects all these exposures at an affordable cost. Together we will shop and compare different company offerings, with clear explanations of key policy issues.

    Here is an overview of common package policies:

    BUSINESSOWNERS POLICY (BOP)

    A package of property, liability, and business interruption coverages for small and medium size businesses. A BOP is generally cheaper then if you purchased separate policies.

    COMMERCIAL PACKAGE POLICY (CPP)

    A commercial lines policy that contains two or more lines of insurance (ie. commercial property, commercial general liability, etc.).

    CALL FOR A FREE QUOTE (607) 334 - 8924

    The information presented is meant to be a brief overview only. Please contact our office for a more complete explanation of available business coverages.

    PROTECTING YOUR BUSINESS IS WHAT WE DO BEST

    BUSINESS INSURANCE ESSENTIALS

    No matter your type of business, we can offer the right coverage at an affordable price.

    Whether a contractor, retail store, professional service or food shop, we'll help you find discounted package pricing or specific areas of coverage.

    COMMERCIAL GENERAL LIABILITY

    Is the more critical of business insurance needs (including workers compensation for employees) designed to protect against third party insurance claims

    The scope of coverage includes:

    COVERAGE A -

  • Bodily Injury - Sickness or disease sustained by a person, including death.
  • Property Damage - Physical injury to tangible property, including all resulting loss of use of that property, as well as loss of use of tangible property that is not physically injured.
  • Defense Coverage - The insurer has the right and duty to defend the insured against and "suit" seeking damages because of bodily injury or property damage to which the insurance applies.
  • COVERAGE B -

    Personal and advertising injury comprised of...

  • False arrest, detention, or imprisonment
  • Malicious prosecution
  • The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling, or premises that a person occupies, committed by or on behalf of its owner, landlord, or lessor
  • Oral or written publication of material that slanders or libels a person or organization ordisparages a person's or organization's goods, products, or services
  • Oral or written publication of material that violates a person's right of privacy
  • The use of another's advertising idea in the named insured's "advertisement"
  • Infringing on another's copyright, trade dress, or slogan in the named insured's
    "advertisement"

    COVERAGE C -

    Medical Payments

    Primarily intended to pay for injuries sustained by members of the general public while on the insured's premises or otherwise exposed to the insured's operations.


     

  • PROFESSIONAL LIABILITY

    Coverage for specialists in various professional fields. Since basic liability policies exclude or don't protect against situations arising out of business or professional pursuits, professional liability insurance is purchased by individuals who hold themselves out to the general public as having expertise in particular areas. Such as lawyers, accountants, insurance agents, physicians, surgeons, dentists, architects, etc.

    MALPRACTICE INSURANCE - Most common or the professional insurance coverages, purchased by physicians and hospitals to cover the cost of being sued for malpractice.

    WORKERS COMPENSATION

    Insurance that covers medical and rehabilation costs and lost wages for employees injured at work.

    Generally speaking, sole proprietors and partnerships aren't required to purchase workers compensation unless and until they have employees who aren't owners. Yet both sole proprietors and partnerships can choose to be covered.

    If you have employees who aren't owners of the company, you probably need workers compensation. Be warned, NY & NJ will treat an uninsured contractor or subcontractor as your employee if he or she is injured while doing work for your company.

    COMMERCIAL PROPERTY

    Coverage for business including commercial buildings, office equipment, inventory, tools, etc. Risks include goods in transit, fire, burglary, theft and more.

    INLAND MARINE PROPERTY COVERAGE

    Insurance covers all goods and property that you business transports both on land and water. This can include tools in your truck, goods being delivered, computer equipment being taken home or for repair, etc.

    UMBRELLA COVERAGE

    Insurance referring to a liability insurance policy that protects the assets and future income of the policyholder above and beyond the standard limits on primary policies.

    It is common for contractors working on larger projects to be required to obtain umbrella coverage such as $1 million - $5 million limits and more.