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  • ​​Businessowner's Policy
  • Commercial Package Policy
  • General Liability
  • Professional Liability
  • Workers Compensation
  • Umbrella Coverage
  • and more

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Advice.. "Best  fit business insurance at an affordable cost isn't  just about shopping  prices.  Our insured's receive a wide variety of increasingly  complicated requirements.  Such as additional insured, primary & non  contributory, waiver of subrogation, action over (employee injury  exclusion, etc., Make sure your agent has a thorough understanding of  policy forms and exclusion for this reason."  


Overview of common package policies:

BUSINESSOWNERS POLICY (BOP)A  package of property, liability, and business

interruption coverage's 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.).    


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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 disparages 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. 

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 Workers Compensation


Insurance that covers medical and rehabilitation costs and lost wages for employees injured at work.
Generally  speaking, sole proprietors and partnerships (including LLC members)  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  will treat an uninsured  contractor or subcontractor as your employee if he or she is injured  while doing work for your company 


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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. 

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                                                 No Liability Implied or Stated 

Walter  O. Rogers Insurance Agency LLC, its associated companies, its officers,  directors, associates, agents, or employees, or any other person  associated with this Site, shall not be liable or responsible for any  harm, loss or damage (whether arising in contract, tort negligence, or  otherwise) that may arise in any connection with use of this Site,  including any indirect, direct, special, third party, or consequential  damages. Every Insurance Policy package has limits and exclusions. It is  the responsibility of each individual and company to be knowledgeable  and aware of the wordings and coverage's for their Insurance Policy.   Copyright © 2020