Smart Services Junction Inc | Construction Contractor Insurance Uniondale

General Liability Hempstead, NY 11550 General liability insurance policies typically cover you and your company for claims involving bodily injuries and property damage resulting from your products, services, or operations. It may also cover you if you are held liable for damages to your landlord's property . Types of Liability Insurance In addition to GLI, there are other types of liability insurance you can get. Commercial umbrella insurance provides additional limits on top of some of your existing liability policies to help pay for expensive claims. Employment practices liability insurance can help cover your legal defense costs and settlements or judgments if a current or former employee sues you for employment-related harassment, discrimination, or wrongful termination. Management liability insurance helps protect your business's directors and officers from costly claims. Commercial auto insurance helps protect you and your employees on the road if you’re driving a ...

Disability Insurance Hempstead, NY 11550 A disability is any condition of the body or mind (impairment) that makes it more difficult for the person with the condition to do certain activities (activity limitation) and interact with the world around them. New York is one of a handful of states that require employers to provide disability benefits coverage to employees for an off-the-job injury or illness. Disability benefits are temporary cash benefits paid to an eligible wage earner when he/she is disabled by an off-the-job injury or illness. during pregnancy and/or childbirth. Employees may be eligible for PFL to bond with a new child, care for a sick family member, which could include organ donation, and address a qualifying military exigency. How Disability Insurance Works Oftentimes, insurance products will protect against a specific loss, such as when a property and casualty insurance plan reimburses the policyholder for the value of the stolen property. However, in the case of d...

 Builder's Risk coverage Uniondale 11514 Builder's risk insurance, also known as course of construction insurance , is a specialized type of property insurance that helps protect buildings under construction. Builder's risk insurance helps protect construction projects from property damage due to: Fire. Lightning. Builder’s Risk insurance is designed to provide coverage for loss or damage to a building under construction and generally insures the construction project in its entirety as opposed to a specific component, such as a roof. In both cases the total cost of construction is used as the BR policy limit, During the course of construction, New York contractors , whether large or small, have different risks. Therefore, contractors throughout New York need a professional insurance agent to determine those risks. We have been helping many contractors and builders to assess these risks and insurance needs. Why is Builder’s Risk Coverage insurance important? A builder’s ris...

Worker's compensation Hempstead, NY 11550 Workers’ compensation insurance provides medical and wage benefits to people who are injured or become ill at work. The coverage is mandated by each state and the wage and medical benefits vary by state. Who is required to carry workers’ compensation insurance? All states, with a small number of exceptions, require businesses with employees who are not owners, to purchased workers’ compensation coverage for those employees. Businesses that fail to provide workers’ compensation coverage can face severe and costly repercussions including payment of claims out of pocket, fines, and possible imprisonment, as well as possibly losing the right to conduct business in the state. How do workers’ compensation claims work? The injured parties must visit a healthcare professional immediately so a doctor can provide medical reports to support any claims. Employees can then begin the claims filing process with  Smart   Services Junction Inc | Ins...

 Personal Liability Garden City, NY 11501 Smart Service Junction Uniondale, NY 'Personal liability coverage' is something included in your renters or homeowners insurance policy which protects you if you're legally responsible to pay for something that happened to someone else. The personal liability coverage within your homeowners policy provides coverage to pay for claims of bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible. Personal liability is important when it comes to hiring a contractor. Our Prudent company wants to ensure that the personal liability insurance policy in Uniondale NY that they are getting has an adequate amount of coverage in case of an accident or injury that occurs on the job. Many businesses choose to get liability insurance in order to protect themselves, but what does it cover? The most common type of coverage is General Liability Insurance . This is the type of i...

 Hospitality Insurance Hempstead, NY 11550 Hospitality business insurance is coverage for establishments such as hotels and restaurants, as well as any other similar type of business that receives guests for paid dining, entertainment, and sleeping accommodations. Coverage includes protection against liability and insurance money for loss or damage. It’s your job to serve your customers. It’s our job to help determine what insurance coverages are best for your company. If you and your agent are looking for the protection and resources to keep your business running, we’ve got the experience to provide you with customized coverage. Those who work in hospitality and leisure help us get away from the stresses of life. Our company understandably take their reputation seriously and want to protect it. Hospitality & Leisure Insurance Coverage Considerations Liability insurance to protect your business from those who are injured or damage sustained by guests on your property. Prop...

Business Owners Policy Roosevelt, NY 11520 A business owner policy (BOP) is a package that bundles basic insurance coverages i.e. general liability insurance , commercial property insurance, and business interruption coverage. and is sold at a premium. A BOP typically protects business owners against property damage, peril, business interruption, and liability. Who needs a business owner policy? If you own or rent a workspace, you likely need a business owner's policy. Although eligibility varies by the insurance company , business owner's policies are typically available to many small businesses like restaurants or retail shops. Most small businesses need general liability insurance and commercial property insurance when they rent or own an office or other commercial space. What does BOP insurance cover? The 2 main coverages provided in a BOP are liability and property coverages. Some examples are: Bodily injury or property damage liability (e.g., you spill water on a clien...