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Business Insurance

Business Insurance

 

From the one-man shop to large corporations, Aljay Insurance Brokerage Ltd. has business solutions to fit your needs. We're experts in crafting customized Seattle commercial insurance policies suited to your unique business operations.

We offer insurance packages that include business auto, liability, workers comp, property and more. Our business insurance advisors are dedicated to offering excellent customer service and trustworthy advice. Contact us today to learn more.

 

Insurance that protects your company, so you can get back to business!

Aljay Insurance understands businesses in the community. You can find our office in Commack, NY and our clients all around New York, New Jersey, Connecticut, Pennsylvania, Ohio, Maryland and Florida. As an independent insurance brokerage, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.

We’re committed to being an advocate for you and your business in times of need.

Our Commitment To Serve You

Commercial & Business Insurance Products

 

  • Commercial Property Insurance – Protect your business with insurance for your commercial property
  • General Liability Insurance - Broad insurance coverage for your business and activities
  • Business Auto Insurance Coverage – Cover your business with insurance for commercial vehicles
  • Commercial Umbrella Insurance – Insurance coverage that helps protect your business from the rising costs of lawsuits
  • Bonds - Protect your assets with financial backups for promises made by others

 

Commercial Auto Insurance

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car.

Hired/Non-owned Auto Liability

Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Use of Personal Vehicles

Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even when it's a business such as selling cosmetics, jewelry, or pizza delivery.

Every business is unique – talk to Aljay Insurance today to find out how to get the best business auto insurance, service, price and value.

 

Protecting your business

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Aljay Insurance recommends that all businesses have general liability coverage in place.

  • Professional Liability Insurance (Errors & Omissions)

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Aljay Insurance recommends that all professional and technology companies have E&O coverage.

  • Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Aljay Insurance recommends considering this type of coverage.

  • Directors and Officers Insurance (D&O)

D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other business insurance products and services, call us at (631) 261-3988 and we’ll help make sure you’re properly covered.

 

 

Commercial Property Insurance

One of the most common types of business insurance is commercial property insurance, which provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent insurance agent, Aljay Insurance can help you determine the type of insurance policy and range of coverage that is best for your business.

For a full list of coverage available, or to learn more about this business property insurance, contact us today!

About Commercial Property Insurance

  • Insuring Buildings

Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building.  Give us a call today,  and we’ll help you determine if you have enough commercial property insurance for your business.

  • Flood Insurance

Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask us to review your policy, and we’ll help you find the best solution.

  • Business Personal Property Coverage

Business personal property insurance covers property at a specified location such as furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

  • Business Income (Business Interruption Coverage)

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. We strongly recommend that all businesses acquire this coverage.

 

Aljay Insurance understands the business insurance needs of our customers. The right coverage for you is unique – call us today to find out how to protect your business and your future with the right insurance.

 

Insurance for the professional contractor - Contractor Insurance

As a contractor, you know how to handle it all. From pipes to wires and garbage disposals to toilets, you can help your clients with many different household problems. This means that you may also be exposed to more risk, both in injuring a client or having an accident resulting in damage to your insured’s property. While you may take care to ensure that these risks are mitigated, accidents do happen and liability insurance could help relieve the burden of a lawsuit or judgment should you be found liable for a mishap.

Contractor insurance can encompass the following types of coverage:

  • General Liability: Bodily injury and property damage against a third party rising out of your contracting operations.
  • Commercial Auto Insurance: Your commercial autos, like a pickup or box truck, should be protected. A commercial auto insurance policy can help protect your work vehicle will going to/from jobs and while being stored.
  • Tools & Equipment:
  • And more!

Let the experts Aljay Insurance Agency help you set up a contractor insurance policy. They can assist with coverage, explain state liability insurance requirements and help with specialty needs like truck filings. We have been providing great coverage and affordable pricing for their insurance for  auto, home and business for over seventy years. We provide financial security and insurance protection to consumers and businesses throughout the North East and Beyond. Our office is located conveniently in Commack, NY, and you can easily reach us by telephone or email. Because we’re an independent insurance agency, we offer insurance from the top insurance companies.

 

 

 

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