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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."
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.).
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:
Personal and advertising injury comprised of...
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.
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
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.
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.
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