Whether you are a long standing New York business owner, or you are looking for Rochester business insurance for a new venture, you may have considered the possibility of not protecting yourself with business insurance.  If you are one of those people, then this case study might help in your decision:

A Rochester, NY laundromat owner that we know wanted to protect himself and his business so hi purchased insurance on his washers and dryers. This proved to be a good move because he had a fire in his shop and all of his equipment was completely destroyed. 

However, in an attempt to save money, the owner decided not to protect himself with business interruption insurance. This would have paid for all of his expenses, plus the profit that he would have collected until the Laundromat was up and running again.

Because of this gap in his insurance that forced him to continue paying expenses with no revenue coming in, the owner sadly was forced to go out of business due to the length of time that it took to replace his equipment.

The obvious point is this: you should absolutely insure your business if you want protection in the event of an unforeseen accident.

The best insurance agent is one who understands the insurance protections available for your specific business.  A dentist is different than a tech company; a repair garage is different than a manufacturing plant; and a florist is different than a restaurant.  And, for each of these businesses, the protections might be different even though they may be called liability, workers comp and property.

Consider these examples:

• If you have employees exposed to hazardous materials your claims may be more frequent and more expensive.
• As an internet business, you may be held accountable for cyber-liability claims if someone hacks  in to your site and steals your customer’s credit card information
• As a dentist you need coverage for your dental equipment

If you’re in an unusual business, or a typical main street store, come talk to us about expanding protection to stop any claims dead-in-their-tracks. Gaps in your protection can be disastrous and even put you out of business.

We are experts in New York business insurance and will guarantee you get the best protection that will fit your needs—before you have unfortunate accident.

Complete the form on this page to get a business insurance quote from our agency right away.

The sooner we receive your information, the faster we can get you the proper protection for you and your business. In fact, fill out the form today so that we can get started. We don’t want you to ever have to suffer a huge loss that could have been protected with business insurance.