Congratulations! You are open for business! Now, you need to get some insurance. Here’s how you do that. 

Evaluate Your Risks

What kind of risks could you experience in your business? Do you sell food that can spoil? Do you do any business online (Who doesn’t these days?) that could be open to cyberattacks? Are your wares easily damaged? Accidents and dissatisfaction can affect any business. This will help you figure out what kind of policy you need.

Research the Types of Insurance 

Most likely, you will need general liability insurance to protect you from typical third-party lawsuits. If your business is fairly low risk, you may do with a simple business owner’s policy. If your business provides service or advice, professional liability insurance would be the way to go. If you hire any employees, you are required to have workers’ compensation insurance. Cyber insurance is an excellent idea to protect yourself and your clients online. If you have a business vehicle, that needs to be insured, too. 

Apply for a Free Quote 

Contact your insurance agency. Tell them your business location, number of employees, assets, and estimated annual revenue. This information will help them give you a quote. 

Comparison Shop.

Get the right coverage for your risks and budget. You want something that will adequately protect you. You may need more insurance as your business grows. 

Commercial Insurance from Bryan Insurance Agency LLC in New Windsor, NY

If you need commercial insurance and live in the New Windsor, NY area, contact Bryan Insurance Agency LLC today. Our friendly and knowledgeable agents are here to help you get what you need. 

Owning a business comes with a lot of risk. The chances of a business failing within the first ten years are extremely high. One way you can help mitigate the risks is to have the right commercial insurance. At Bryan Insurance Agency LLC in New Windsor, NY, we are an independent insurance agency that works for you to ensure you get the coverage you need for your particular business. 

Property insurance

Commercial property insurance is different from home property insurance. It combines the physical property itself and its contents, the things you use to do business. For a plumber, it might be tools, parts, and pipes. For a store, there can be inventory, registers, display units, etc. To return to operation, you need to have these things replaced quickly. This is the same for those who own the building and those who rent. 

Liability insurance

Being sued is one of the dangers that every business faces. Having liability protection can help your business to survive legal action against you. 

Business interruption insurance

Business interruption insurance can help your business if it is hit by a hazard covered by your policy. Your bills don’t stop just because no income is coming in. This can be the insurance that saves your business and allows you to be in good financial condition when you reopen. 

Workers compensation insurance

Just about every employee in the state of New York must be covered by workers’ compensation insurance. This includes full and part-time employees, seasonal or temporary employees, and family members. There are some exceptions. Talk to your insurance agent about whether you need this coverage. 

Call the Bryan Insurance Agency LLC in New Windsor, NY to discuss what types of commercial insurance can decrease your risk. 

Bryan Insurance Agency LLC is here to assist the greater New Windsor, NY business community with its insurance needs. If you own a small local business, you can rely on us for help with all of your insurance needs. Contact our office today to learn more.  

The importance of adequate commercial insurance for small business owners

Commercial insurance is very important, especially for small business owners. Many small business owners start their companies with their own funds. This means that their financial health, along with that of their families, is often tied very closely to the success of their companies.

Without appropriate commercial insurance, any type of damage or loss can be catastrophic for small business owners. Comprehensive commercial insurance can help a business recover from damage related to covered events like fire, theft, and machinery malfunction. While every policy is different and can provide a varying level of protection for damages, having the right coverage in place is essential.

Small businesses can also often run on slimmer profit margins, making any disruption to cash flow more impactful for them. If you are a small business owner, now is a perfect time to thoroughly review your commercial policy to ensure that it provides the necessary coverage for your company. Owning and operating a successful business takes time, energy, and effort, all needing adequate protection. 

Find out more today!

Small business owners in the greater New Windsor, NY area can turn to the team at Bryan Insurance Agency LLC for help with their commercial insurance needs. If you have questions about insurance for your business, we are here to help. Give us a call or stop by today.

We look forward to working with you!

Anyone who runs a business knows that situations beyond their control, such as theft, vandalism, and fires, can happen. That’s why commercial insurance, a type of policy designed to protect your business, was invented. If you’ve invested money or time in a commercial property or business, this kind of coverage is an absolute must. 

Thankfully, Bryan Insurance Agency, LLC offers commercial insurance for businesses like yours in New Windsor, NY, and the surrounding area. No matter the size or industry of your business, we have commercial coverage you can tailor specifically for your business needs. 

“But what sort of events are most likely to happen?” you might ask. That’s a valid question and one we can confidently answer. Although almost anything can happen when running a business, certain commercial insurance claims are more common than others. 

Here are the three most common commercial insurance claims:

Burglary and theft (20%)

When you think of burglary and theft, you might first think of a complete stranger breaking into your business and stealing property. 

However, you probably don’t think of an employee stealing from your business. Unfortunately, burglaries and thefts committed by insiders, such as dishonest employees, are never outside the realm of possibility, and you should always be prepared for such events. 

Of course, burglaries and thefts by outsiders can happen too. You might want to use background checks, adequate lighting, fences and gates, and devices that control access to the business premises to prevent such occurrences. 

Water damage (15%)

Water-related damage to business can come from various sources, including burst pipes, floods, snow, and freezing temperatures. 

To avoid such claims, it’s vital to ensure your building’s roof is clear of ice and snow. Also, during winter, you should keep your building’s temperature at or above 55 degrees Fahrenheit.  

Wind and hail damage (15%)

Strong winds and hail storms aren’t uncommon in New York. Besides damaging commercial property, they can also negatively affect the property owner. 

To reduce the likelihood of such situations, you want to make sure the trees by your business property are well maintained. In addition, any outdoor equipment that strong winds could blow into your building should be adequately secured. Lastly, if a heavy storm is predicted, it’s vital to protect your windows. 

Bryan Insurance can help! 

If you’re in New Windsor, NY, or the surrounding area and want to protect your business, Bryan Insurance Agency, LLC can help you. We’re here to assist you in finding the best commercial insurance policy for your business. Visit our office to get in touch with one of our insurance agents and learn more about how we can provide your business the protection it deserves.

Commercial insurance is a type of insurance that is designed to protect businesses, business owners, and their employees from financial loss in the event of an incident covered by the commercial insurance policy. It helps to pay the costs of lawsuits, property damage, vandalism, fire, and other covered losses. Commercial insurance comes in many sizes and shapes because there are many types of businesses. 

What Does Commercial Insurance Cover?

There is no single policy that would protect against all business risks. There are different types of commercial insurance that protect against different threats to businesses.

In general, standard commercial insurance covers risks that are associated with the following: 

• Property. It helps cover the cost of repairing and replacing the property. 
• Employees. Commercial insurance can help in such situations as an employee is hurt on the job, an employee sues a company for discrimination and others. 
• Motor vehicles used for business purposes. There is special commercial insurance designed for vehicles used for commercial purposes. 
• Customers and clients. It helps to manage the risk presented by clients and customers. For example, commercial insurance will pay for immediate medical expenses and lawsuit costs if you are sued by a customer or client. 

Bryan Insurance Agency LLC serving New Windsor, NY – We Will Help Get The Right Coverage

If you are a business owner, you probably understand how important commercial insurance is. If you run your business in New Windsor, NY or any other surrounding area, and you are thinking of getting proper commercial insurance, contact Bryan Insurance Agency LLC. Our professional insurance agents will help you find a policy addressing your personal and commercial needs. 

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.

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.

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.

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.

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.