When it comes to protecting your business with commercial insurance, every business is not identical. Having an insurance agent who can help you to measure your risk level is important. You need coverage but having the right amount is where finesse is required. At  Kinowski Agency Inc. in Amsterdam, NY, as independent insurance agents, we work for our customers. We make sure we personalize our service to their needs.  

Commercial insurance most businesses need to have

Workers Compensation

In the state of New York just about all employers who have any employees, whether they are full-time or part-time, need to cover them with workers’ compensation insurance. This provides medical benefits as well as lost time coverage for an employee who is injured while doing their job.

Property Insurance

When it comes to commercial property insurance, it isn’t exactly like home property coverage. It is a combination of property and content, so it is useful even if you rent the building where your business is. If a peril strikes, would your business be able to survive it? It will if you have commercial property insurance so that you will be able to repair or replace the things you need to operate your business. 

Liability Insurance

In a world where legal actions are a common occurrence, it is important for the financial security of your business and assets to have the liability protection you need. It can be very expensive to dispute a case against you. Having liability insurance will make it easier to survive. Making sure you have enough liability insurance is vital. 

Business interruption insurance

When something bad happens to your business that is covered by your policy, business interruption insurance can help you to pay the normal operating expenses of your business even though you have no income coming in. 

Contact Kinowski Agency Inc. in Amsterdam, NY if you are in need of commercial insurance.