IT'S YOUR LIVELIHOOD. WE HELP PROTECT IT.
Your Commercial Business Insurance Agency
in Honeoye Falls, NY, Naples, NY, and Rushville, NY
Mitchell-Joseph Insurance Agency knows that there are big risks when trying to operate your own business, which is why we offer Commercial Insurance plans that can cushion your fall if the worst happens. We offer comprehensive business plans that can include Workers Comp, Disability, Business Auto, and more. Insulate your business against property, damages, and lawsuits with business insurance from Mitchell-Joseph Insurance in Honeoye Falls, NY, Naples, NY, and Rushville, NY.
Our insurance agents pride themselves on helping small business owners find the appropriate coverage, at the right price. We’ll get to know you and your business, asses your situation, then develop comprehensive, cost-effective solutions that fit your needs.
Why Does My Business Need Insurance Coverage?
A Business Insurance policy gives you the financial protection every business needs against unforeseen events including property damage, theft, accidents and lawsuits, and so much more. You shouldn’t have to pay for these losses all by yourself and with the right business insurance protection from Mitchell-Joseph, you won’t have to.
What Type of Business Insurance Will I Need?
One-size-fits-all does not apply to commercial insurance policies. It all depends on the type of business you have. Most businesses will need general liability insurance. If your business entails offering professional advice, you should consider having a professional liability insurance policy. If you have computers, tools, or other business equipment, consider acquiring a business owners’ policy (BOP) which covers both general liability and business property. Mitchell-Joseph will take the time to sit with you and discuss your specific insurance needs so that you're sufficiently covered at a price that you can afford.
COMMERCIAL INSURANCE POLICY OPTIONS
General Liability Insurance
General Business Liability Insurance is a must for any business because it covers damages to people you deal with and their property. It’s important to note that general Liability Insurance doesn’t cover loss related to professional service businesses, meaning damages that are caused as a result from you giving clients advice. A Professional Liability policy is needed for these types of businesses.
Product Liability Insurance
Product Liability insurance protects you against risks if an item you make and/or sell causes someone harm. If this happens, they have the right to sue you. Without Product Liability insurance, you would have to pay for damages such as medical bills and legal fees out-of-pocket.
Cyber Liability Insurance
Cyber Liability Insurance protects a business from the high cost of data breaches, a malicious software attack, and misuse of sensitive information. This type of insurance can cover legal fees, repairs, credit monitoring, and more.
Commercial Auto Insurance
Whether a business owns a vehicle or employs drivers to operate a company vehicle–either a car or a truck, the business has exposure to risk. Commercial Auto Insurance is for a business' liability which can include physical damage coverage to repair a vehicle the business owns.
Commercial Property Insurance
Commercial Property Insurance covers any risks associated with your business’ premises including your building and its contents, and equipment. It often includes any associated loss of income if an unfortunate event occurs. Our insurance agents at Mitchell-Joseph have decades of experience protecting businesses’ property.
BUSINESS INTERRUPTION COVERAGE
Will you be prepared if you lose income from your business as a result of a covered loss? Business Interruption Coverage (a.k.a. Loss of Income Insurance) acts like a safety net for your business. It can help pay for expenses including payroll, mortgage, or loan payments. Our agents can explain how you can add this type of coverage to your Business Insurance policy.