Commercial Insurance Services

Businesses Trust Us for Their Insurance

Don't leave your business vulnerable. You can protect your business and your assets with commercial business insurance from Spirit Insurance. We can find a policy to safeguard your operations from unforeseen events. Our coverage options include:

• Commercial insurance
• Business insurance
• Small business insurance
• Medium business insurance
• General liability commercial insurance
• Commercial property insurance
• Business owner policies
• Restaurant insurance
• Bar or tavern insurance
• Commercial liability insurance
• Workers comp and disability

With onsite and online services, we provide support for commercial insurance across New York. Which policy is best for your business? Get in touch with us for a free, same-day quote!

Understanding General Liability Protection

There are many ways to enhance your commercial coverage. However, the starting point should always be general liability protection from Spirit Insurance. General liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. Here are the specific protections:

• Bodily Injury: Including the cost of care, the loss of services, and the restitution for any death that results from injury
• Property Damage: Coverage for the physical damage to property of others or the loss of use of that property
• Products and Completed Operations: Provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
• Product Liability: Specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
• Contractual Liability: Extends to any liability you may assume by entering into a variety of contracts
• Other Coverage: Includes reasonable use of force, borrowed equipment, liquor liability, non-owned vehicles (such as aircraft or watercraft), fire, lightning damage, explosions, water damage liability, legal defense costs, medical payments, personal injury, advertising injury, and specialized liability protection for specific business types

If you have questions about your liability protection, please connect with us. We can provide same-day service for immediate relief of your insurance concerns.

What to Consider for Commercial Insurance

Commercial decisions always have to make good business sense. When thinking about commercial insurance coverage, here are the things we'll consider:

• Cost of policy
• Overall budget
• Range of operations
• Type of business
• Number of employees
• Assets on hand

We strive to find you the best policies at the best prices. With multiple market availability, we can help you compare prices and coverage. Reach out to us now at Spirit Insurance!

Benefits of Choosing Spirit Insurance

Choosing Spirit Insurance is a smart way forward for your business. There are other insurance providers in New York, but we stand out from the competition with:

• Personalized service to fit your business
• Quality service since 1990
• Affordability with price match comparisons
• Expert local knowledge and guidance
• Consistent and superior service standards
• Over 35 years of industry experience
• Immediate, same-day quotes
• Trusted, local, family-owned business
• Onsite and online service availability

Contact us today to protect your business with our comprehensive insurance solutions.

Contact Us for Commercial Insurance

Get in touch with Spirit Insurance to discuss your commercial insurance needs and secure your business investments. Our team is ready to provide you with the best coverage options and professional service.