HOW CAN WE HELP YOU?

Click to Call
Bryan Insurance Agency, LLC

287 Windsor Hwy, Suite 350
New Windsor, NY 12553

Get Directions

Who needs to have a commercial insurance plan?

When you are in the New Windsor, NY area and start a small business, you must be properly prepared and organized. An important part of any new business formation is choosing the right insurance plan. You will need to have a commercial insurance policy for a few important reasons. 

Business with Insurance Obligations

A situation that will require many business owners to have a commercial insurance plan is if they have specific insurance needs. It is very common for businesses to enter into loan agreements, commercial rental leases, and investor equity partnership contracts. Due to the value that comes with this insurance, these agreements will almost always require the business to maintain proper insurance coverage at all times. 

Businesses Looking for Necessary Protections

A business will also need to have a commercial insurance plan if they are looking for protections necessary to cover the company against various negative situations. Today, a business may need to have commercial insurance to ensure that their business assets are covered and offset liability risk. Ultimately, one of these plans can keep a business solvent and help them avoid serious losses if a situation results in damage to a key asset or if they are named in a liability claim. 

When you live in the New Windsor, NY area and are looking to grow and develop your business, you should reach out to the Bryan Insurance Agency LLC team. Choosing commercial insurance is a major decision that you should not take lightly. When you call Bryan Insurance Agency LLC, you will get the support that is needed to fully understand your options and needs. They can then offer any support needed to choose the right plan for your situation.

4 Unique Benefits Of Workers Compensation

Bryan Insurance Agency, LLC serves the New Windsor, NY community by offering residents multiple insurance coverage types. We want to simplify the process for our clients and help them find the policies they need. We proudly serve as an independent insurance agency.

The Benefits Of Workers Compensation

As a New Windsor, NY business owner, protecting your investment is your main priority. Commercial insurance protects your business during difficult times. Commercial insurance also protects your business if you suffer property damage or your equipment is stolen or vandalized. The liability coverage gives you peace of mind if a customer is injured on your property. One of the most important benefits of commercial insurance is workers’ compensation. Workers’ compensation allows you to protect your employees and help secure the future of your business.

Medical Coverage

Workers’ compensation protects your employees if they are injured in the workplace. The policy provides coverage for their medical visits and their rehabilitation after the injury. You can amend the policy to cover different treatments and procedures to help your employees get well. The policy also covers any prescription medication that your employees may take to heal up.

Disability Coverage

Workers’ compensation covers your employees if they become disabled due to an injury in the workforce. You can amend the policy to include temporary and permanent coverage.

Alternative treatment Coverage

Workers’ compensation covers your employees to pursue alternative treatment options, such as visiting a chiropractor or taking acupuncture.

Death Benefits

If one of your employees passes away due to a workplace injury, workers’ compensation covers your business and the employee.

Bryan Insurance Agency, LLC Can Assist Help You Protect Your Business

Visit our website to learn more information about commercial insurance.

What Coverages Does a Business Owners Policy (BOP) Provide?

When you launch a commercial venture, you need extensive preparation to make your business a success. You might not think of insurance as one of those must-haves, but it tops the list.

Business or commercial insurance protects your financial investment in your company. Bryan Insurance Agency, LLC of New Windsor, NY wants you to understand your options. In this article, we examine the most commonly purchased business insurance policy, the business owner’s policy (BOP).

In a BOP, you obtain three types of insurance that every business needs. By bundling the coverage together, the BOP costs less than buying each policy separately.

Your BOP policy from Bryan Insurance Agency, LLC can include liability coverage, property damage, and business interruption coverage. These three types of policy get purchased most often by businesses of every size.

This means that a BOP covers when a tornado hits your office or lightning strikes it, starting a fire. You have the insurance to pay for the damage repairs to the structure and any personal or business property inside that incurs damage. All named perils included in the policy receive this coverage.

Its liability component covers when someone slips and falls in your place of business, whether it is a storefront, a recording studio, or a public relations firm.

The business interruption coverage protects your financial future by providing for lost income when a named peril temporarily shuts down your business. The aforementioned fire, for example, would require you to close up shop at that location while you had repairs made. The business interruption component pays you for this lost operating time. This enables you to keep your employees because you can pay for them.

Find out if a BOP would work for your company by contacting us today. We want the New Windsor, NY area to thrive, and that takes adequate financial planning. Let us help you achieve that.

Commercial Insurance Details To Know In New Windsor, NY

As a business owner, you strive to have your business ideas come to fruition. With all of the daily tasks that you have to think about, the one thing that should be solid is protecting your business. Having the proper insurance policy can prepare your business for unforeseen situations that could cause bankruptcy or worst. 

At Bryan Insurance Agency LLC, we make sure that all of our clients have the appropriate insurance protection that they seek. Since 2004, we have helped individuals find the coverage that is right for them and their families. We also work with business owners to ensure that their assets are protected with the proper commercial insurance policies. Here are a few details to pay attention to when buying insurance for your business based in New Windsor, NY.

Property damage

Property damage can come from normal wear and tear, weather damage, and vandalism. Whenever you experience any of the latter, you want to be able to fix it as soon as possible. Having an insurance policy already set in place for this gives you a safety net as a business owner.

Liability claims/bodily injury 

At a business, anything can happen. A customer or employee could be injured, and with commercial insurance, you will have a policy that covers the possible standard expenses to be paid out. This takes away stress if you do not have the funds as a business owner to cover any liability claims/bodily injury situations from customers or employees.

Would you like to contact us to set up a consultation meeting or ask our agents for more information? Reach out to our office in New Windsor, NY to speak with our team and get started with a  quote.

3 Reasons Why Commercial Insurance Is So Important

When you have a business, you have to make sure that you protect it. The best way to accomplish this is with commercial insurance. At Bryan Insurance Agency, LLC in New Windsor, NY, we’re here to help you understand why you need a good policy.

Secure Your Property

You may have a number of components regarding your business. This includes a business location, inventory, and more. With the right commercial insurance policy, you can secure your property effectively. It ensures that if you have any issue within your business, whether it’s a break-in, a fire, or something else, your property is protected.

Avoid Expensive Lawsuits

A commercial policy will provide you with liability coverage. This makes it easy to avoid expensive lawsuits in the event that your employees damage property or someone gets injured on your property. You can file a claim and let the insurance company take care of the details as opposed to potentially bankrupting you because of one accident.

Keep your Business Going

Ultimately, you need to make sure that you keep your business going. Since there’s no way to know what can happen, a commercial policy allows you to plan for the unexpected. A variety of different types of insurance can be added to your policy so that it is comprehensive. This includes business interruption insurance that provides you with the necessary revenue if you need to close your doors due to unforeseen circumstances.

Every business is different and, therefore, every policy needs to be different. What you add to your business policy is of the utmost importance.

Secure your business more effectively by contacting us at Bryan Insurance Agency, LLC in New Windsor, NY. One of our insurance agents can customize a policy and get you the quotes that you need. It will ensure that you are protected all year long.