New York General Liability Insurance
As a business owner, your plate is full. You are busy serving customers and building your business—and your reputation. There’s a good chance you’re active in your community, helping to strengthen it and its people. If you’re more than a one-person shop, you have employees and their families to worry about. Of course, your own family is a priority, as well. Oh, and when you have a free moment or two, you’re probably trying to work through volumes of paperwork and other administrative tasks associated with running a successful business.
Despite your best efforts and those of your employees, sometimes things go wrong. Accidents happen. Things get overlooked. And as a result, you could face liability for something you or your people do or fail to do. Fortunately, you don’t need to face the possible financial loss associated with a claim or lawsuit if you’re properly insured—with a commercial general liability insurance program.
Commercial General Liability, or CGL, as it’s sometimes called, offers extremely broad coverage. It insures bodily injury liability, medical payments, property damage, and personal and advertising injury liability exposures of a variety of businesses, enterprises and ventures, as well as medical payments. Their broad nature means you don’t have to select and group individual or specific hazards, which could lead to potential gaps in coverage.
That said, not all CGL policies are identical. That’s where we come in. The professional insurance agents at your local, independent insurance agency, Trovato Associates Financial & Insurance Services, will take time to learn about your business and its activities. Then, we will work with our dozens of highly-rated commercial insurance companies to identify the policy that offers you the best coverage at the most reasonable price. We will compare everything from policy limits (the amount of coverage you want and need to have in place) to deductibles (the amount you’ll have to pay out-of-pocket if something happens) and more.
We want to be certain that you and your business are covered for accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, we can craft a customized insurance program that will cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.
At Trovato Associates Insurance, we understand your passion for and your personal connection to your business. We’re a local business, too! And we recognize that, despite people’s best intentions and regardless of how hard they try, things can go wrong. Accidents happen. We want to help you live out The American Dream and help your business prosper by making sure you’re well protected for anything that might occur.
So give us a call. Stop by our office. Or use the quote request form to learn how we can help you protect what’s important to you. We’re eager to help your business grow and prosper, because when you are successful, we’re successful!