Benjamin Hirsch can help you with business insurance in Brooklyn, Newburgh, Spring Valley NY or Westchester. As a business owner or manger, you know you need commercial insurance but you don’t have the time or technical knowledge to deal with it properly. That is why it is a good idea to consult with a professional when it comes to your business insurance.
Business insurance is complicated field and there are many categories and types of coverages. You need to be sure you have the right coverages. You also need to be sure you are covered for the appropriate risks. Insurance does not cover every event or possibility and there often exclusions and limitations. You need to know what those exclusions are and if they are of real consequence to you. You also need to know how much you are insured for. For example, if your building burns to the ground will your insurance cover the replacement value of your property and your assets? Another important consideration, if not the most important, is your income. Are you covered for loss of income should some disaster force you to temporary close your doors?
Business insurance should cover several things including liabilities, property, equipment, furniture, machines, vehicles, staff and income. You might start with a general-purpose policy such as a BOP (Business Owners Policy) which does cover common risks such as liabilities, property damage and loss of income. A BOP does not cover everything either. Notable exceptions are commercial auto and workman’s compensation.
Business insurance is about protecting your financial interests when things go wrong. That could be due to a fire, a storm, an accident, a malicious act or some other reason. Benjamin Hirsch can help you with your commercial insurance requirements and policies. That way you will have best value business insurance.