Business Insurance Coverage
Providing insurance protection for you, your family, and your business, Thomas J. Carbone Insurance Agency is here for you. Our insurance agency located in Staten Island, New York, offers a variety of life insurance and business coverage plans to choose from.
Business Insurance Coverage
The biggest advantage of having business insurance is that in the event that an employee gets hurt on the job, your insurance plan can prevent you from getting sued. It can also help protect your assets. Our insurance agency welcomes new business ventures, and we offer the following forms of business coverage:
- Business Owners
- General Liability
- Commercial Property
- Contractors
- Workers' Compensation and Disability
- Truck and Auto
- Vacant Buildings
- Umbrella – Excess Liability Insurance
Frequently Asked Questions About Business Insurance
What does a business owner's policy cover?
A business owner's policy, or BOP, typically combines general liability and commercial property coverage into one plan. It is designed for small to mid-sized businesses looking for broad protection in a single, cost-effective package.
How much does commercial insurance cost for a small business in Staten Island, NY?
The cost depends on your industry, number of employees, revenue, and the types of coverage you need. Our agency shops multiple carriers to find you the most competitive rate available.
Do contractors need their own separate insurance policy?
Yes, contractors typically need specialized coverage that accounts for job site liability, equipment, and subcontractors. A standard business owner's policy may not cover all the risks contractors face on a daily basis.
What is workers' compensation insurance, and do I need it?
Workers' compensation covers medical costs and lost wages if an employee is injured on the job, and most New York businesses with employees are required by law to carry it. Our agency can help you determine the right level of coverage for your workforce.
Ready to Put Solid Protection Behind Your Business?
Thomas J. Carbone Insurance Agency has served business owners throughout Staten Island, NY, with honest, experienced guidance for over five decades. We work as independent agents and brokers, which means we compare options across multiple carriers to get you the best value. Call us at 718-987-8636 to schedule a consultation and find out which commercial coverage plan is right for you.