Commercial Insurance in New York: Why You Must Have It

When you have a business in New York, you have a lot of worries on your mind. Every day that you open your doors, you worry about any potential risk to your business, and you should. This is your income and service to others that you are responsible for.

At Genesee Valley Agency, we want every Arkport, NY business owner and operator to be protected financially from every liability and financial risk. You need New York commercial insurance to protect you from all the things you worry about when you open the doors every morning.

General Liability

Slip and falls in a place of business are a multi-billion dollar insurance problem in the United States. Every day there are Americans in emergency rooms having injuries treated that happened when they went out to run errands for the day.

If you own commercial vehicles, liability insurance is required. However, you are not required to have it by law in New York. Even so, it is critical insurance to have to protect you from slip and falls, or people that want to claim them.

Property Insurance

Property insurance for a commercial business is insurance that covers the building of the business, and the contents of the business. Property insurance will protect you from events such as weather, theft, or fire. There are policies for that name perils specifically, or all perils commercial insurance.

New York flood insurance is typically a separate insurance policy when you want your commercial property protected against the common act of floods.

Business Interruption Insurance

The uncertainty of the business world in America has never felt this high. Business interruption insurance can cover you when events interrupt your course of business and lead to loss of revenue. That could include events such as terrorist attacks, crime, pandemics, hacking, or any event that was not caused by you or God that resulted in business interruption.

Get a Quote

At Genesee Valley Agency, we want all Arkport, NY business owners to be covered for every commercial risk. In addition to these kinds of coverages, we can help you find professional liability insurance, commercial auto insurance, cybersecurity insurance, umbrella insurance in New York, and more. Call us for a quote today.

Five things you need to know before buying commercial insurance

Owning a business in Arkport, NY comes with its own fair share of risks. There are many uncertainties and unforeseen incidents that could lead to a substantial financial loss for your business. That is why Genesee Valley Agency recommends buying commercial insurance to cushion your business from various losses. So, how do you go about the buying process? Here are five tips to help you out.

1. Assess your risks

The first step into buying any form of insurance, you need to assess the level of risk. The same concept applies to your business insurance. For instance, if you entertain many customers, such as running a restaurant, you may need to think about liability insurance to protect you and the customers that come to your business location.

2. Find out the coverage options available for your business

Commercial insurance is quite extensive and comes with lots of options. You can enquire about the coverages that will work for your business.

3. Choose a reputable insurance provider

Choosing reliable insurance is mandatory. If you don’t buy insurance from the right company, you may end up buying little or more than you need. Reputable companies also help you choose the right coverages based on your industry and the risks involved.

4. Buy sufficient coverage based on your needs

Different businesses require different insurance coverage. Depending on the kind of business you run, you want to make sure that everything is covered, from equipment, employees to products and even clients.

5. Review the terms and conditions before signing

Before signing the contract, make sure you have read everything therein and are comfortable with the terms and conditions. Insurance companies have different terms and conditions, so don’t assume conditions will be the same with all the companies.

Smart business owners buy adequate business insurance. Be smart and let Genesee Valley Agency help you safeguard what matters to you most. Feel free to contact us today.

Accidents Happen, Be Prepared With General Liability Insurance

In the age in which we currently live, insurance is extremely important. The term insurance is a broad one which incorporates a huge variety of different coverage areas. These are meant for use in different applications and situations. If you are a business owner, drive a car or even own a home, insurance is the common denominator. The only thing that varies is the type of coverage that you will procure. General liability insurance Rochester, NY is one type of policy which offers a broad liability coverage for businesses.

Focus On Business

General liability insurance for business provides business owners with a great degree of peace of mind. This kind of insurance provides security for business owners in the event they are sued for damage to property or persons. Owning a business is not for the faint hearted to begin with. Keeping your company going in this economic age is stressful enough without having to worry about the tiniest of details. In most instances you have many employees working for you. Imagine having to focus on what each and every employee is doing each and every day. Your time is more well spent focusing on reaching targets and keeping them in a job. Accidents happen, that is an eventuality that all businesses will face at some stage. Be prepared and protect your business with general liability insurance Rochester, NY.

Home Is Where The Heart Is

While business insurance is one area, personal or home insurance is quite another. Owning a house is an investment. What you do that home over time is what creates a home. Your home will be filled with furniture, appliances and many sentimental items that are irreplaceable. At any given time your home is at risk of something going irrevocably wrong. Not a great way to see things but fact. Fire and acts of God could wreak havoc on your lifetime investment. If that happens, your home insurance Dansville, NY will have your building covered and protect the money you have invested in this property. While it may not replace those sentimental items, at least you will have the money to start anew.

Are you starting up a new business? Have you got insurance to protect you against things that could go wrong? Are you seeking home insurance at the best rates offering the coverage you need? Genesee Valley Agency is the company trusted to provide you with the correct coverage at the right price. General liability insurance Rochester, NY is definitely something that has to be undertaken. Call us to provide you with solutions that work for you 833-781-5556.

How To Get Complete Coverage With Business Insurance in Rochester, NY?

Now is the time when starting your own business seems to be the route to follow. Getting your venture off the ground is going to take time, hard work and money if you really want to be successful. Your focus is going to lie on creating a business that is fruitful and will be around for years to come. There isn’t time to worry about things that could go wrong. Every business should have business insurance Rochester, NY so that you can focus on keeping the wheels turning rather than putting our legal fires.

Genesee Valley Agency Here To Help You Skyrocket Your Business 

Genesee Valley Agency is well-known for providing solutions for both business and residential or home insurance protection. In a business where there are a number of employees, the chances of accidents occurring is increased. Business insurance general liability provides you with protection against lawsuits where your company is being sued by any person for either damage to property or to their persons. Business insurance is a broad term which offers you security in a variety of ways. Your buildings and physical assets relating to your business are protected under the umbrella of business insurance. Give one of our consultants a call today to find out the cost for business insurance that is best suited to your venture and your budget 833-781-5556. We are the company trusted to provide the best solutions for business insurance Rochester, NY.

On The Road Again

Your means of transportation, your vehicle, is something that is quite a substantial investment and one that requires thought and finance in order to achieve. On the road and even parked off, your vehicle is exposed to so many risks. Accidents can happen in the blink of an eye and theft of vehicles is something that happens on a daily basis. Taking out auto insurance in Dansville, NY is the responsible thing to do, in fact most finance houses require it before allowing you to leave the showroom. Keep that insurance active and prevent nasty surprises in the future.

In order to plan for your future, building an empire through a business is the right route to follow in a less than favorable economic environment. Hard work, blood, sweat and many tears can be expected. Protect your investments and your future with the right business insurance Rochester, NY from a company that has your back. Genesee Valley Agency is your trusted partner in insurance. Call today for solutions that work for you 833-781-5556! 

Avoid The Unexpected Business Risk Through General Liability Insurance in Rochester, NY

Even the most ordinary routines can be shaken up by unexpected events, either natural or man-made. In order to keep operations going on through tough times, general liability insurance in NY, is a must-have precaution for responsible business owners, especially when tailored to their specific needs with the help of the GVA Agency.

Minimizing the consequences

Even if some events can’t be foreseen, their consequences can be lightened through general liability insurance in Rochester, New York. This type of broad commercial coverage keeps businesses out of bankruptcy, when circumstances spiral out of control.

For small business owners – particularly for practitioners dealing with large amounts of customer data, including lawyers, architects, accountants and engineers, as well as insurance companies and tech firms – there’s a fine line between general liability and professional liability insurance. As both types of coverage may be needed in some cases, it’s a good idea to discuss your specific needs with an expert insurance broker at the GVA agency.

 General liability or professional liability?

Both are designed to protect businesses against lawsuits that could damage them beyond repair. These types of coverage help ease the financial burden caused by these legal imbroglios, minimizing the impacts of a specific claim. Some clients may require a certain amount of business or professional liability coverage before accepting a business as a vendor.

Differing by the types of risk that it covers, general liability insurance in Rochester, NY, offers protection against personal injuries or property damages caused by daily operations. In contrast, professional liability – also known Errors and Omissions (E&O) insurance – is generally focused more on financial losses rather than personal injuries or damaged assets, particularly when caused by negligence, poor judgement or carelessness related to professional, advisory or consulting services.

Both types of protection help a business survive the financial turmoil and media storms caused by these traumatic situations, particularly when related to data leaks.

Don’t forget the employees

However, with workers becoming more assertive, sexual harassment, wrongful termination and discrimination lawsuits are on the rise. As a result, farsighted employers are talking to trend-monitoring advisers (like the GVA Agency) about taking out employment practices liability policies as well as general liability insurance in Rochester, NY, in order to shield their cash flows from court awards that can reach devastatingly high amounts. In litigious times like these, responsible business owners naturally make sure that their home insurance in Danville, NY, is always up to date.

Talk to the professionals

If you’re still unsure what kind of coverage you need – business, professional, E&O or general liability insurance in Rochester, NY, contact the experts at the GVA Agency for inside advice on protecting your business against unforeseen calamities. Call us today at: 1 833 781 5556.

Business Owners Insurance New York

Protecting Your Business

If you are a business owner, it is vital that you get the right business owner’s insurance in New York for your specific needs. There are many different types of coverage available, and not all of them may apply to you. Sure, getting all of the coverage available is a safe option, but it can be costly, especially if you are paying for coverage that you don’t truly need. Luckily for you, the Genesee Valley Agency can help you with this. Rather than searching online for “business owner’s insurance near me,” and relying on a random internet post, work with qualified professionals to find the right coverage for your business. We will make sure that all of the boxes are ticked so you can feel good about the insurance you end up with!

Saving Time To Focus On Your Business

If you’ve tried to find the right business owner’s insurance in New York by yourself, you know that it can be a time-consuming process. You have to evaluate all of your risks and decide whether or not they are large enough to warrant insurance coverage. You want to be covered for issues that are likely to happen, but you don’t want to waste money with coverage on risks that may never be realized. This can take months to iron out by yourself, and you simply don’t have that time to spend! Instead, call the Genesee Valley Agency, and we will take care of everything for you! Let us worry about your insurance needs, and you can focus your time and energy on running your business!

Reach Out To Our Team Today

The team at the Genesee Valley Agency can be reached easily if you want to talk about business owner’s insurance in New York. We are always happy to help anyone find the right insurance for their unique circumstances. GIve us a call at (833) 781-5556 when you’d like to start working with a professional to help you find the best coverage!

The Benefits Of Business Owner’s Insurance In NY

Why Get A Business Owner’s Policy?

If you are a business owner, you need to protect your company in case an accident occurs. There are many different types of insurance to consider, including property coverage, liability coverage, and interruption coverage. And while you can get these separately, if you sign up for a business owner’s policy, you can have them all! At the Genesee Valley Agency, we can help you with any requests related to the business owner’s insurance in NY. We work with many different providers, and we can find a great business owner’s policy for you if you are looking for something similar. It’s important to have insurance for business owners, as it will protect you and your business from harm in case something unfortunate occurs. Prepare for the future with us and secure your business today!

Finding The Right Coverage

When you work with the Genesee Valley Agency, we will help you find the small business owner’s insurance that you need. We have experience helping many different business owners with their business owner’s insurance in NY, and we can do the same for you! However, we do realize that every business is different, so we will take the time to get to know you and understand your company in order to provide the best service possible. By understanding your unique qualities, we can find the best coverage that matches your individual circumstances. At the Genesee Valley Agency, we always provide personalized solutions for all of our customers!

Call Today To Get Started

If you are in the market for business owner’s insurance in NY and would like a professional to assist you, contact the Genesee Valley Agency today! We are happy to answer all of your questions or provide any details about plans or coverage. Just let us know what you are looking for, and we can start searching with you. Call us at (833) 781-5556 to set up an appointment with us when you’re ready to get started!

Finding Workers’ Comp Insurance In NY

What Is Workers’ Compensation?

If you own a company, you need to do make sure that your organization has policies in place to protect your employees from work-related injuries. But in the case that these policies aren’t enough and an employee is injured, you need a solid plan for workers’ comp insurance in NY. Workers’ compensation is a company policy that assists employees with work-related injuries. These are particularly common in industries requiring physical labor, but even office jobs can have policies. On one level, these policies help employees by providing compensation for lost wages or medical bills if their injury is related to their job. But on another level, it also prevents them from suing their company if an accident occurs. If you think you may need help selecting a policy, give the Genesee Valley Agency a call, and we’d be happy to help.

Affordable Workers’ Compensation

There are many different options for workers comp’ insurance in NY, but how can you decide which one suits your company best? The Genesee Valley Agency has experience in this field, and we can help you choose one! And not only that but because we work with many different providers, we can help you find the most affordable plan that covers all of your bases. If you try to do this alone, you may be in for a long journey, but by working with a professional like us, we can make sure that the cost for your workers’ comp insurance is fair and the policy is comprehensive for your industry.

Call Us Today

You wouldn’t skimp on home insurance as a homeowner, so you shouldn’t skimp on workers’ comp as a business owner! Choosing the right policy can make your employees feel more at ease, but it can also protect you from desperate acts of injured parties in the future. If you’d like help with workers comp’ insurance in Arkport, NY, and the surrounding areas, call the Genesee Valley Agency today! We can be reached at (833) 781-5556 for all questions and concerns.