Most NY contracts, landlords and municipalities require GL before you can start the work. We write it for businesses of all sizes, and for most policies we can bind coverage and issue your certificate of insurance within hours, not weeks.
GL is the foundation of a business insurance program. It responds when a third party claims your business injured them or damaged their property. Here's each piece, in plain English.
Covers medical expenses, lost wages and legal costs if a customer, vendor or member of the public is injured at your business or as a result of your operations.
Pays for damage you or your employees cause to someone else's property in the course of your work.
Covers claims of libel, slander, copyright infringement or false advertising made against your business.
Even a frivolous claim has to be defended. GL pays your legal defense costs, which can run tens of thousands of dollars even when you win.
Covers bodily injury or property damage that shows up after you've finished a job. Critical for contractors and service businesses.
Covers claims arising from products you manufacture, distribute or sell that cause bodily injury or property damage.
Answered the way we'd answer them on the phone.
Most NY contracts and landlords require at least $1M per occurrence / $2M aggregate. Some municipalities and larger contracts require $2M/$4M. We'll help you meet the exact requirements of your contracts.
Yes — for most GL policies we can bind coverage and issue a certificate of insurance within hours. We know that job sites and contracts can't wait.
Possibly. Homeowners policies don't cover business liability. If clients visit your home, you use it for business activities, or you need to show proof of insurance for contracts, you likely need a GL policy.
A BOP combines general liability with commercial property insurance at a discounted rate. If you also need property coverage, a BOP is usually more cost-effective than buying them separately.
Send the basics through the quote form and a licensed NY agent will shop it across 30+ carriers. Same-day certificates are available for most GL policies.