Protect Your Business with These Types of Insurance

A business is like a ship sailing through uncharted waters that is the market. We know that navigating the world of business can be tricky. Commercial insurance in New York is sometimes the only thing keeping your boat afloat. That’s why we’re here to guide you through the essential types of insurance your business shouldn’t gloss over. Think of us as your lighthouse, helping you keep your ship on course.

• Automobile

  Whether your business uses a fleet of vans or just one trusty pickup, auto insurance is a must. This coverage is your safety net, protecting against damage to vehicles, injuries to third parties, and damage to cargo. It’s like having a seatbelt for your business operations—keeping everything secure, even when the unexpected happens.

• Business Interruption

  Imagine a storm hits your business, not just causing physical damage but also halting operations. Business interruption insurance is your financial umbrella, covering lost income and ongoing expenses like taxes and debt service. It’s more than just a patch for your business’s leaky roof; it’s a full-on disaster recovery plan.

• General Liability

  Every business faces a range of risks, from slip-and-fall accidents to product-related claims. General liability insurance is your business’s armor, offering protection against various liability exposures. Whether it’s for premises liability or products and completed operations, this insurance ensures you’re covered, even if you’re hit with a lawsuit.

• Bonds

  Bonds are the unsung heroes of the insurance world, offering guarantees that certain obligations will be met. Unlike regular insurance, bonds involve three parties: the surety (insurance company), the obligee (beneficiary), and the principal (the business needing the bond). Think of bonds as the glue that holds contractual promises together, ensuring performance and compliance.

• Excess and Umbrella Insurance

  When your primary insurance agency in South Richmond Hill, New York, isn’t enough to handle a major claim, excess, and umbrella insurance swoop in like a superhero. These policies provide additional liability coverage, protecting your business from catastrophic losses. They don’t provide primary coverage but kick in when your underlying policies are maxed out.

At IAJA Insurance Agency LLC, we tailor our personal lines insurance in Queens, New York, to meet your specific needs, whether you’re safeguarding your business or protecting your personal assets. Contact us today for a free quote.