Month: October 2024

Welcome to Carminucci Agency, serving the greater area in and around Croton Falls, NY! Running a small business comes with many challenges, including figuring out what type of insurance coverage you need. The right commercial insurance policy can protect your company against unforeseen losses and liabilities. In this post, we’ll explore some key coverage types that small businesses should consider.

Property Insurance

Property insurance covers your physical business location, equipment, furniture, inventory, and more against damage or theft. Property insurance is crucial for small businesses to help them rebuild after fires, storms, vandalism, and other incidents. Make sure your policy accurately reflects the value of your business property.

Liability Insurance

Liability insurance covers your legal responsibilities if third parties are injured or their property is damaged due to your operations and products. It helps pay for expenses like medical bills, legal defense fees, and lawsuit settlements. For small businesses, general liability insurance is a must to protect against potentially expensive claims.

Business Interruption Insurance

Business interruption insurance replaces income lost due to suspended operations from covered events like natural disasters. It helps pay operating expenses like payroll, rent, and loans while you restore your business. Small businesses’ safety net is important when unforeseen disruptions occur.

Work with a Trusted Insurance Agent For Your Commercial Insurance Needs

Determining the right insurance coverage can be complex for small business owners. At Carminucci Agency, proudly serving the greater Croton Falls, NY region, our experienced agents are here to help you understand your risks and craft a customized commercial insurance solution. Contact us today to discuss protecting your small business!