Vehicles used to conduct a service, transport goods, haul tools and equipment, or are owned by a corporation or partnership require a separate commercial insurance policy to protect against liability, collision, personal injury, etc. (Many business owners are surprised to learn that certain vehicle types and those used for various business purposes are NOT covered under their personal automobile insurance.)
Homeowners Insurance: Designed to cover losses or damages to an individual’s property, primarily their residence, along with furnishings and other assets in and around the home. The policy may also provide liability coverage for harm from incidents that occur in the home or on the property.
We offer paid life insurance equal to two (2) times an employee’s annual salary, at no cost. After three months of employment, employees may also participate in our short-term and long-term disability plans.
Health Insurance
Notice Required by New York Law: Our Disability Benefits policy provides disability income insurance only and does not provide basic hospital, basic medical, or major medical insurance as defined by the New York Department of Financial Services. Coverage is underwritten by AmGUARD Insurance Company – Form No. DB 99 00 00 05 20.
Disability Insurance
Disability insurance provides temporary cash benefits to eligible workers who have a full or partial loss of wages due to a non-work-related injury/illness or due to pregnancy. Similar to Workers’ Compensation insurance – which provides wage-replacement for job-related illnesses and injuries, disability provides wage replacement benefits for non-occupational situations. Used in tandem, these products can offer around-the-clock protection against unexpected loss of income.
Dental Insurance
Dental insurance is available after 90 days of employment. Coverage includes: diagnostic and preventative, basic restorative, oral surgery, endodontics, periodontics, major restorative, prosthodontics, denture repair, and orthodontics for children only.
Vision Insurance
Employees are eligible for vision insurance on the first day of the following month of hiring. The plan covers eye exams every 12 months. When visiting a doctor or supplier who participates in the plan, an exam and standard eyewear can be obtained at no cost.
Professional Liability Insurance: Often referred to as Errors & Omissions coverage, a type of business insurance designed to protect professionals against claims of wrongdoing (negligence, errors, defamation, etc.) by clients or customers. Designed to cover the expense of damages caused by a professional service or product.
Commercial Property Insurance
Commercial Property Insurance: Designed to pay to replace or repair business property that is damaged or destroyed due to a covered cause of loss. Sometimes combined with Commercial General Liability coverage as part of a Businessowner’s Policy or Commercial Package Policy. See “Property.”
Workers Compensation Insurance
Commercial Liability Insurance
Commercial Umbrella Liability Insurance: Designed to provide an additional layer of liability insurance over and above an insured’s underlying Commercial Insurance policies (i.e., Businessowner’s, General Liability, Commercial Auto, etc.). (Also known as Commercial Excess Liability Insurance in some states.)
Professional Liability Insurance
Professional help lines and websites for special coverages like data compromise, lawyers professional liability, and employment-related practices liability.
Liability claims, lawsuits, and other unfortunate mishaps tend to show up unexpectedly and can have a devastating impact on your finances, if you’re not prepared. A Personal Umbrella policy helps give you that extra peace of mind by taking over when the limits of your underlying insurance have been exhausted.