Apollo/Raland takes pride in offering insurance services for business both big and small. Whether you own a small local business or are part of a corporation, we can help you find an insurance policy package that suits your needs at a competitive price. We believe customization is crucial in finding an appropriate policy and we understand that every business has its own particular needs and issues that must be covered. At Apollo/Raland, we help all of our clients understand and find an insurance policy, from the most basic to the most specialized.
Running any kind of business is risky as it usually involves large amounts of people from customers to employees. A general liability insurance policy can protect you and your business from lawsuits, investigations, settlements, and injury damages. Typically, general liability insurance is combined with property insurance in a BOP (Business Owner’s Policy). We will work with you to help determine which general liability package is best suited for your line of work.
Though every business requires its own unique coverage, there are some policies that are generally universally applicable in business. Workers compensation ensures that an employee who was injured on the job or as a result of the job will still receive his or her wage as well as medical benefits. In exchange, you, the business owner, are protected from a lawsuit as the employee gives up their right to sue. This trade-off is one that is necessary for most business and is especially necessary for industries such as construction.
Depending on your business, you may use one or two vehicles or a whole fleet. This means that your business should have auto insurance as accidents in some shape or form are bound to happen. Commercial auto insurance can cover bodily injury liability, property damage liability, comprehensive vehicle coverage, collision coverage, and more. We will help you asses your business’s vehicle usage as well as how much coverage is appropriate for your business.
Any business that is involved with liquor, whether it selling it, serving it, or assists in the purchase or use of liquor, should have liquor liability insurance. That is because your business is at risk for a liability claim from someone who has gotten intoxicated and caused injuries or property damage. Businesses that served the alcohol, such as a bar or tavern, can be held responsible for any injuries or damages that are the result of a drunken patron. While this hardly seems far, it is reality and as such you should take every possible step you can to protect yourself and your business from financial losses. Give us a call to help you work through what kind of liquor liability insurance policy would work best for your business. (718-837-6160)
Inland Marine Insurance works to protect property and equipment that need more coverage than what may have been provided by your general property policy. This type of coverage is typically for property that is mobile and is for business owners that may be working off-site from where their equipment may be stored. Properties that can be covered include computers, tools, animals, veterinarian animals, and more.
Commercial umbrella liability is similar to homeowners’ umbrella liability in that it provides extra coverage for those dire situations in which your normal insurance does not cover all the costs. We will help you customize your umbrella policy to match your business.