Call Us Today For A Free Quote | 914-271-6600
We Are Proud To Be Your Insurance Agent!

 

 

Business & Commercial Insurance


Business & Commercial Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Business & Commercial Insurance Information

IMPORTANT POLICIES TO CONSIDER

Business Liability Insurance-provides coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

Business Property Insurance-provides coverage that protects commercial property (buildings, business property, improvements to rented space) from such perils as fire, theft and other disaster.

Employee Dishonesty-provides coverage for theft of money, securities, or property

Employee Benefits Liability-provides protection to employers against claims brought by employees or former employees for negligent acts or omissions in the administration of the insured's employee benefits programs.

Employment Practice Liability-offers protection with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations. .

Liquor Liability Coverage-protects your business against claims that occur because a patron of your business has become intoxicated and injured himself or someone else. You need this coverage if your business manufactures, sells, serves, or furnishes alcohol to others.

Inland Marine-provides insurance for property in transit , certain types of moveable property, instrumentalities of transportation . Many inland marine coverage forms provide coverage without regard to the location of the covered property; these are sometimes called "floater" policies.

Workers Compensation-protects employers from liability for on-the-job injuries resulting in employee disability or death, providing injured workers with monetary relief and medical benefits, or, in the case of death, survivor benefits to their dependents

Disability-provides short-term benefits to eligible workers who have a full or partial loss of wages due to a non-work-related illness, injury, or pregnancy.

Business/Commercial Automobile-is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy

Bond- is a type of insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security.

Professional Liability or Errors & Omissions liability Coverage-can help you and your firm pay defense costs and judgments that come from claims of professional negligence, error, or omission.

 

IMPORTANT COVERAGES TO CONSIDER

Building/Improvements Coverage

Business Property/Building/Contents (or Stock) Coverage

Business Income-Direct Damage or Off-Premises Utility Coverage

Computers & Media Coverage

Loss of Use/Rent

Equipment Breakdown

Tools/Equipment/Off Premesis coverage

Data Breach Coverage or Cyber Liability

Food Contamination

Non-Owned Auto/Hired Car Coverage

Tenants Legal Liability Coverage


Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

Instant Quote
Referrals
We love referrals! And thank you even more for your continued business.
Customer Service
Self policy service any time of the day, directly from our website.
Join Our Newsletter
Stay in touch with the latest events, news and offers we have.


From Our Blog From Our Customers
Read More Read More
DGA Insurance Helpful Site Links About Us
One Croton Point Avenue
Croton on Hudson, NY 10520
P: 914-271-6600
F: 914-271-3598
E: info@DGAinsurance.com
The best interests of the clients is at the center of impeccable service provided by DGA Insurance, a full service independent insurance agency.
We have the expertise to find you the right coverage at the right price 
Powered by Insurance Website Builder