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L & S Agency Inc.

3868 S Park Ave
Blasdell, NY 14219

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New York Commercial insurance coverage

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Commercial Insurance

Business owners need to protect their businesses from risks like theft, fire, vandalism, and other natural calamities to continue thriving. The good news is that businesses can purchase commercial insurance from L&S Agency Inc. Contact us today.

Is commercial insurance mandatory?

The primary objective of investing in commercial insurance is not because it’s mandatory. However, for compliance purposes, businesses are supposed to purchase the below business insurance options:

  • Workers’ comp insurance: If your business has more than one employee, you are required to purchase workers’ comp insurance to protect employees against work-related injuries.
  • Commercial auto insurance: If you have vehicles that you use to run business operations, you need to buy commercial insurance to protect your vehicle and driver in case of an accident.

State-required minimums are just minimums. They do not protect your business optimally. You need to consider the below commercial insurance options:

  • Commercial property insurance: Commercial property insurance protects your business structure, inventories, furniture, and other business assets from perils like theft, lightning, hail, vandalism, and many more.
  • Business liability insurance: Protects your business against losses or damages caused to third parties. It protects your business against claims of bodily injury, property damage, and advertising injury caused to other people or businesses.
  • Business owner’s policy (BOP): Combines the above two policies to enhance affordability and effectiveness of business insurance.
  • Business income insurance: Is your business disrupted by covered perils like fire, theft, or storms? This insurance compensates your business for lost business when a covered loss hampers your operations.

Commercial insurance

If you want your business to continue operating smoothly for years to come, considering commercial insurance is a no-brainer. Please contact L&S Agency Inc. for an affordable commercial insurance quote.

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Servicing States

  • New York
  • Pennsylvania
  • Mississippi
  • Florida