The Progressive Advantage® Business Program.

Certain Progressive companies may be compensated as licensed agencies for performing services on behalf of these insurers. Unpaid volunteers and most subcontractors are considered employees and could be required to be covered by a workers’ comp policy, according to the New York State Workers’ Compensation Board. Shop for commercial New York general liability insurance through The Progressive Advantage® Business Program.

Among the steps that the Office of Purchasing and Contracts takes is to determine if the business which is being contracted with will be utilizing employees or independent contractors. If it is determined that the business is using employees the business will need to provide evidence of workers’ compensation and disability insurance. Regardless of the status of the workers the Office of Purchasing and Contracts will not enter into any contract/purchase order without proof of disability insurance and workers’ compensation or proof of exemption. The employer would need to purchase a separate type of policy—called employment practices liability insurance —for this kind of coverage.

Healthy NY, in partnership with HMOs and other insurance companies in New York State, offers comprehensive health insurance to small businesses. You agree to pay a premium, and the insurance company agrees to pay certain losses that may occur. Agents are licensed representatives of insurance companies who are responsible for marketing its products. Convenience – There’s several ways to get a quote whether you need a single New York policy or a combination of coverages. Simply start a quote online or call us to speak directly with a licensed agent. The state of New York requires all businesses with employees to carry workers’ compensation.

A liability insurance policy that covers claims arising out of occurrences that take place during the policy period, regardless of when the claim is filed. When only one of these perils is covered by the insurance policy, the court generally rules that the entire loss is covered. Many insurance companies have reworded their policies to clarify that only a loss attributed to a covered peril is indeed covered. Without prior knowledge of inland marine insurance, it is easy to assume that this insurance line has something to do with boating transportation. In fact, inland marine insurance can cover a variety of transportation exposures; however, it does not cover boating transportation, which is covered under ocean marine insurance. Inland marine is a specialized type of property insurance that primarily covers damage to or destruction of your business property while in transport.

When you have had three applications turned down from a licensed commercial insurance carrier you can proceed to obtain insurance from the surplus line market. Sometimes referred to as the “non-admitted” market, surplus line companies offer insurance to businesses that cannot find insurance in the standard line insurance market. While these companies are not licensed by the CDI, they do have to go through an approval process that includes providing evidence of minimum capital and surplus requirements.

Commercial property insurance protects your company’s building and the contents inside it from all kinds of risks of physical loss or damage, including theft, vandalism, fires and natural disasters such as floods, storms or earthquakes. Commercial property insurance is often included as part of a Business Owners’ Insurance Policy, or BOP. The insurance products on (the “”Site””) are underwritten by different carriers dependent on the relevant line of business – see

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