General liability Insurance is not Required in New York
If it’s possible that someone could claim bodily injury or property damage due to your business operations, your employees’ actions or your services or products, you should have general liability insurance. Travelers offers commercial general liability insurance options that protect against the unique risks of businesses in a wide range of industries. While there are no mandates surrounding commercial liability insurance, business owners in New York would be wise to invest in this type of coverage. New York General Liability insurance, along with your property and work comp policies, protects your business if you’re sued for personal injury or property damage. A typical policy will cover those accidents or damages that occur on-site or as a result of using goods or services sold by the company.
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If you are looking for a general liability insurance policy in New York and want to make sure to get the best and cheapest quote by comparing several quotes in one place, CoverWallet may be a good option. General liability insurance is not required in New York, unless you’re a contractor. However, there are good reasons to consider getting general liability insurance to protect yourself and your small business. New York Specific Commercial Insurance ArticlesRead informative articles on NY commercial insurance including costs and coverages. At Thimble, we don’t currently offer insurance in the state of New York.
Taking these steps will help ensure you’re not paying too much for your general liability coverage in New York. The level of risk your company is exposed to is by far the biggest factor for how much you’ll pay. Anyone who deals with the public has a bigger risk than someone who works online in their basement. Business is inherently risky, but General Liability insurance protects against many known and unknown risks.
You should always have workers comp insurance coverage for employees in New York if you don’t want to pay these benefits out of pocket. Learn more atthe best workers comp insurance companies in New York. The Hartford has provided business insurance for the last fifty years, and has many options for small business owners, including general liability insurance. You can report claims online, and they have plenty of positive online reviews. There is a vast amount of insurance companies that do business in New York, so between that and the fact that each business is different, the cost of insurance will vary widely. Also, your insurance premiums will depend on the policy and each one will have a different rating basis.