Business & Commercial Insurance
Your partner in protecting your business and your employees. We help with coverage throughout New York State, including Buffalo, Clarence, Williamsville, Lockport, Akron and Alden.
Whether you are a contractor, garage, restaurant, or any other type of business, commercial insurance can be ambiguous and/or misleading. We understand that no two insurance companies are the same - as no two businesses are. As an independent agency, we do not work for any specific insurance company. We work for you. Our Commercial Insurance department will assess your business operations and work with you to develop a specifically tailored protection program.
Just a few of the coverages we are able to provide include commercial automobile, general liability, New York State workers compensation, commercial property, professional liability, liquor liability, garage liability, crime, builder's risk, bonds, New York State disability and equipment floaters.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel liability, collision and comprehensive,medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your personal name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
A liability policy is one of the main coverages to provide your business with coverage for claims causing personal or advertising injury, property damage, or that arise from your products and operations.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury.
- Property Damage coverage for the physical damage to property of others or the loss of use of that property.
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided.
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents.
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts.
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types.
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for employee injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, hire subcontractors, or if they are engaged in hazardous activities.
Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises, elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Contact the Emerling Agency Commercial Lines Service Staff today...
Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
As an employer, if you have any employees, coverage is mandated by state law with few exceptions. This provides your employees with coverage when he/she is disabled by an off the job injury or illness that does not arise out of or in the course of employment.
Examples of Off the Job Injury include surgical leave, maternity, lengthy illness, and accidental injury.
Home Based Business
Many people believe their home owner's insurance policy covers their home business needs. Your home owner's insurance policy may provide you with limited coverage on and off the premises, however, you may want to check as it may not provide you with any at all. Most home owner's insurance policies do not include business related liability coverage. Home based business owner's should confirm that their home owner's policy is providing them coverage or look at obtaining a separate policy to cover their business pursuits.
A few examples of Home Based Businesses we insure include accountants, kennels, hair dressers, cosmetic sales, farms, seamstress, pet sitters, scrap-booking, entertainers, candy sales, photographers, etc.
Advisement: Our advisors work closely with our clients to create insurance programs tailored for their business needs.
Reviews: Sit down with our advisors as often as needed to review coverage's to serve your business needs to the best of our ability.
Loss Control: Our advisors will work closely with you to help reduce the frequency and severity of losses through loss control services such as telephone surveys, physical site visits, property valuations, tracking & compliance reviews, safety program evaluation & training, and recommendations.
Risk Assessment: Our advisors and service staff analyze risk associated with your business and suggest coverage options, programs, and methods to protect your assets the best way possible.
Claims Management: Allow our service staff to assist you with timely notification and record keeping of claims and overall loss history for your business. Our staff can assist in developing a plan and make recommendations to reduce claims at the work place.
Certificates of Insurance: Occasionally when entering a contract either written or verbal with another party, you may be required to present a certificate of insurance. Although the certificate of insurance does not extend or alter coverage on the policies, it simply shows the coverages in force at the time of issuance.
Change Request: Advise our service staff of changes you would like made to your insurance policies and have them done the same day. Contact us the way that is most convenient for you; online, email, fax, or phone.
Quotes: With over 30 companies in our arsenal, this provides our customers with a variety of coverage options and the most competitive pricing available.
Claims settlement is subject to the terms and conditions of your policy and settlement is determined by the claims adjuster representing your carrier. All claims should be reported in a timely manner. Please see below for tips on claim reporting.
Tips on Claim Reporting:
For your convenience, you can submit claims by calling our office, submit a claim online, or complete a claim form and fax or e-mail the claim to our office.
Liability, Property, Disability, and Auto claims should be reported within thirty days of a known incident. Failure to do so could result in decreased coverage or declination of coverage by the insuring company.
Workers Compensations claims should be reported to the insurance carrier by the employer within ten days of notification of a claim. A workers compensation claim is considered to be any of the following:
- Lost time of one day from regular duties beyond the work shift in which the accident occurred
- More than ordinary first aid is required by the employee
- More than two first aid treatments are required by the employee
Business & Commercial Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Commercial Lines Manager
Already an Emerling Agency, LLC customer?
Business & Commercial Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.