Whether your business is a solo venture, a small shop, or a large corporation, you need business insurance. Without this protection, you could be in danger of having to close your doors forever.

What kinds of threats might affect your company?

• Major theft
• Vandalism of the business premises
• Legal judgments for liability or discrimination
• Fire or natural disaster
• Vehicle accident
• Accident or death of a visitor or employee

All of these unexpected disasters could be costly, forcing you to close permanently if you couldn’t afford to recover from them.

That’s why Calderone Insurance Agency offers a variety of business insurance products for business owners like you in the Lockport, New York, vicinity. We’ll ask you questions about the following to make sure we get a good picture of your unique business, and then we’ll make suggestions for the types of coverage we think suit you best.

• The location of your business
• The number of employees and the size of your payroll
• Your industry
• Your business vehicles
• Workplace safety and training
• Valuables that need special insurance
• Plans for the future of the business
• Insurance claims filed in the past

Some insurance products we may discuss with you include:

Property Insurance

This protects your business premises, similar to a homeowner policy. In the event of a fire or natural disaster, your office, warehouse, garage, or other structure has coverage for repairs or replacement, along with the property inside. It also protects you in cases of theft and vandalism. You can add earthquake or flood insurance if needed as well.

Business Auto Insurance

Whether you own a fleet of vehicles or simply use your own car for business purposes, you should have business auto insurance. This can also protect you when you or your employees rent vehicles for business.

General Liability Insurance

This coverage protects your financial assets if someone is injured on your premises and wins a legal judgment against your business. There is also commercial liability coverage that protects your business in cases of discrimination, wrongful termination, and errors or omissions. You can elect to add more coverage with an umbrella policy, recommended for high-revenue companies, businesses with a lot of visitors, or enterprises associated with higher risk.

Workers' Compensation

Workers' compensation coverage protects both you and your employees. If a worker is injured on the job, this insurance pays for their medical expenses, recovery, and lost wages.

Bonds

Many businesses, particularly construction and trade businesses, use bonds. Bonds protect your company if someone you work with goes back on a promise or fails to fulfill their part of a project. There are bonds for public officials, accountants, and many other professions.

You put a lot of time and energy into building your business. Don’t risk losing it by not having the proper insurance coverage. Get in touch online or give us a call today at 716-589-7283 to talk about your unique needs. Because we are independent agents, we have hundreds of insurance products at our disposal to tailor the perfect coverage for your business.