An employee in your painting or construction business accidentally leaves water running, causing substantial damage to a customer’s home. Your NY State Insurance Identification Cards and the electronic notice of insurance together verify your insurance coverage. There are currently road test cancellations or DMV offices closed for in-person services. See our “Cancellations, Closings and Delays” page for more information.

If you like what you see, you can adjust the package limits and make your purchase. Your New York commercial general liability insurance will begin immediately after payment, and you’ll have access to your certificate of insurance. After you share your information, you’ll have instant access to a customized insurance quote for general liability and other recommended coverage. For example, a carpenter who takes saws and other tools to different locations is more likely to have an accident that would be covered by general liability than a tutor who mostly works at a desk with students. That’s why carpenter insurance is usually more expensive than tutor insurance. Schaefer Enterprises’ deep knowledge and experience in the construction insurance business can help you find the right policy to fit any individual project.

We’ve been providing this coverage to businesses in New York for years. Legal Defense and Judgments– costs to defend against real and frivolous suits and judgments up to the limit of your coverage. Note this generally does not include punitive damages for negligence or willful misconduct. Insureon’s licensed agents can help you find policies that fulfill New York’s requirements and your business insurance needs. Once you’ve purchased insurance with us, you can download a certificate of insurance by logging into your account. From business liability to personal protection – out experts have the knowledge and tools to help you reach your goals.

One of the first steps in purchasing small business insurance is to contact a licensed insurance broker-agent who specializes in commercial coverages. We encourage you to visit the website of the insurance company that your policy or policies are with as they are providing many ways to provide information including claim services for you. Creating your own account on the insurance company website is encouraged as this will provide you ways to inquire about your billing and make payments.

The Department of Insurance is unable to guarantee the accuracy of this translation and is therefore not liable for any inaccurate information resulting from the translation application tool. The portion of the written premium applicable to the unexpired or unused part of the policy period for which the premium has been paid. For example, in an annual premium policy 11/12 of the premium is unearned at the end of the first month of the policy. A cancellation initiated by policyholder request in which the premium returned is subject to an administrative penalty. The actual or accounting recognition of the decrease in value of property over a period of time according to a predetermined schedule.

The CGL policy has separate limits of insurance for general liability, fire legal liability, products and completed operations liability, advertising and personal liability, and medical payments. An aggregate limit of liability is in force for the general liability, fire legal liability, advertising and personal liability, and medical payments claims. When total claims for all these areas exceed a stated annual aggregate limit of liability, the policy limits are exhausted and no more claims will be paid from the policy for the duration of the policy period. There is also a separate aggregate limit of liability in force for products and completed operations liability claims. Your general liability policy provides financial protection if you are held responsible for some of the most common accidents that can occur at a business, such as a customer injury or damages to someone’s property.

The policy provides protection in the event of any actual or alleged error, misstatement, omission, misleading statement or breach of duty. Medical and DentalDiscover New York business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage. NY general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

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