As an employer in New York state, you aren’t required to have general liability insurance for your business. However, it may be a condition of your property’s lease that you have a certain amount of liability insurance. For all your commercial insurance questions about liability and more in the Croton Falls, NY area, trust in the experts at Carminucci Agency.
Considerations for Your Clients
Depending on the work you’re in, you could have some clients who ask that you have general liability in place before they purchase goods or services from you. This is not only to protect your clients’ interests, but it also protects your company against advertising injury, bodily injury, and personal injury claims, among other things. You would do well to look into this before taking on clients, though you, of course, can reach out to your insurance provider at any time to make changes in your insurance that make sense for your business.
Factors Determine What You Need for Insurance
As a business owner, you know that no one size fits all solutions to your needs. If you have vehicles that you drive yourself or have your employees drive for work purposes, you’ll need to have them insured appropriately. If your company offers professional services such as training and education, you’ll need a specific type of insurance for that. You’ll also have to get workers’ compensation so that your employees receive assistance with any medical bills or lost wages due to work or work-related injuries.
At the Carminucci Agency of the greater Croton Falls, NY area, we pride ourselves on offering guidance for your commercial liability needs. If you have any questions or concerns, reach out, and we’ll do our best to assist you.