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When you have a business in New York, there are many types of commercial insurance available to you. There may also be insurance policies that are required for your business to carry. When you want to take sure that you’re operating legally, it’s important to know which policies are required for you.
When you need commercial insurance for your business, call us at Windgate Insurance Agency Inc. in New Windsor, NY to talk to an insurance agent.
Required Commercial Insurance
Workers’ Compensation
In New York, the state mandates that every business that employs workers must have workers’ compensation insurance. Every employee that you have counts, even if they are only part-time workers. When you have workers’ compensation insurance, this policy will pay for the medical bills that are due after an employee gets injured on the job or contracts a job-related sickness. When a worker has been injured and needs healing time or is disabled, this insurance will also pay them disability payments. When your New York business has this coverage, you have some protection against lawsuits and other problems that can be caused by owing an enormous amount of medical bills for an employee.
Commercial Auto Insurance
Any vehicles that are owned by a New York business must have a commercial auto policy on each vehicle. It’s important to have this insurance because your company could be held liable after an accident that includes a company vehicle. This insurance has to have a number of types of coverage in each policy. These include coverage for bodily injury liability, liability coverage for death from an accident, property damage liability, personal injury protection for your own medical bills, and coverage for uninsured motorists that the vehicle gets into an accident.
Get Your Required Insurance
You always need to have the required insurance policies for your business. To get started, call us at Windgate Insurance Agency Inc. in New Windsor, NY.
