Business insurance can sometimes seem like a confusing and complicated thing to figure out. There is no reason to waste your precious time researching the different types of insurances that you think you might need to cover your business or home. We have the background and experience to be able to help answer all of your insurance related questions. We have helped many of our customers figure out the necessary insurance needed for their situation, along with the appropriate amount of coverage. Let us help you figure out your insurance needs so that you can focus on growing your business.

We are located in the New York area, but we also serve the NJ and CT areas as well. Call us today at (888) 398-0115 and once we get you set up with the right insurance, you can rest assured that if an insurable catastrophe occurs, you will be covered properly.

Commercial property insurance covers many different events that result in the damage to or the loss of property, which can be caused by several different events. Some of the events that are covered are certain weather events, fire, smoke damage, vandalism, and many more types of incidents. There are two general types of commercial property insurance. The first type of policy is considered an all risk policy, which covers many different types of incidents, except for the incidents specifically listed in the exceptions section of the policy. An all risk policy is something that will cover events that might occur to the average small business.

The second type of commercial property insurance is called peril specific insurance. Peril specific insurance covers only specific disasters, such as flooding or damage caused by aircraft. Peril specific insurance is generally used when the business is physically located in an area that is considered to be a high risk area for that specific type of disaster. One example would be flood insurance that is issued to a business that is located in an area that floods every year during a rainy season.

Don’t be underinsured and find out too late that you have been wasting your money on insurance that doesn’t provide the coverage that you really need. Call us today at (888) 398-0115 and let us help navigate you through the many types of insurances that are available. We can help you find that perfect insurance coverage that will meet all of your needs, so that you can rest assured that if an insurable event occurs, we’ve got you covered.