COMMERCIAL INSURANCE

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Learn about insurance products for home, car and business in Flushing, Bayside, and Astoria

With a wide range of of top rated companies to choose from, Abatelli Insurance can help get you what insurance you need for the things that you treasure most. Our agents have researched the companies that we do business with, to not only make sure that they have an outstanding rating but that they are also easy to do business with.

Commercial Package Policy

Plenty of businesses are looking for an all-in-one insurance package. A package that is tailored to your company is able to protect it from shortcomings and financial strain. What’s more, a one-stop-shop for reliable insurance saves time and money.

With a Commercial Package, several types of protective plans for a business are bundled together under one handy plan. Coverage ranges from general liability, property, boiler and machinery, crime, and other optional coverage to suit each business’s activity and needs.

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Insurance for Auto Repair & Garages

Abatelli Group, Inc. knows that garage and auto repair shops need the same kind of property and liability insurance coverage just as other businesses do. But we also understand that there are situations, or risk exposures, that are unique to your type of business.

Here are a few:

A customer’s vehicle is damaged while under your care
An employee’s tools are stolen
One of your employees dumps oil into a storm sewer

We can analyze the risk exposures of your garage and tailor a comprehensive insurance program by using products like:

Garagekeepers Liability
Products and Completed Products Liability
Pollution Liability
On-Hook Towing Insurance
Safety Features
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New York Bid Bonds, Surety, Permit and License Bonds

Providing Businesses with Bonds and Insurance Programs from Whitestone, NY for Over 100 Years

Not all businesses need bonds, but when you need them, you need them. Abatelli Group, Inc. has worked with businesses in the area–in Long Island City, Beechhurst, New Hyde Park, and all of the Greater NY area–for over a century, so we can easily recognize when a bond may be a necessary supplement to a business insurance program.

Bonds come in different varieties to fit different needs and situations. In general, bonds are meant to guarantee that one individual or entity will perform according to the specifications of a contract, ordinance or other requirements. Some of the most common types of bonds are Surety Bonds, Contract Bonds, Judicial and Probate Bonds, and License and Permit Bonds.

Contact us by phone, in our office, or right here on the web so we can help you with your bond needs!

Contact us by phone, in our office or right here on the web so we can help you with your bond needs!

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Builders Risk Insurance

The purpose of builders risk insurance is to protect the material, fixtures, and equipment throughout the construction process. Coverage can also include individual contractors, architects, engineers, and the building involved.

For all-encompassing protection for construction projects everything from marketing, loss of income, and delayed completion can be added to a policy. To prevent your money from crumbling away in a construction hurdle, let builders risk insurance handle it.

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Business Auto Insurance

Whether your organization rarely drives for business or driving is your business, commercial auto insurance is needed. As many personal auto insurance policies do not provide any coverage for business-related incidents and journeys, a commercial auto policy must be attained to protect a business from certain risks and exposures on the roads in Queens, New York and elsewhere.

A quality policy will be able to protect your business when:

Your business leases or owns vehicles
Employees drive vehicles belonging to the business
You drive non-employees in the vehicle for business activities

With reliable commercial auto insurance, you can safeguard your company from property loss, expensive claims, and financial strain.

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Business Owners Policy

A Business Owners Policy (BOP) combines property, business interruption, and general liability coverage for small to medium-sized companies. This package is more economical for smaller businesses to purchase, as well as offering the flexibility of adding and removing certain coverages. A BOP can be tailored to fit the needs of a wide range of commercial enterprises, so every business has the option to receive protection.

BOP coverage includes protection for damage to the property caused by listed perils, such as fire and theft. Bodily injury and property damage liability would also be incorporated, up to the policy limit, which covers instances of your business harming people or their property. When your business’s operations are suspended temporarily because of a covered loss, you will be able to rely on your BOP for coverage.

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Commercial Property Insurance

If your business were to face a fire, theft, natural disaster, or another covered peril, commercial property insurance is there to pick up the pieces. Coverage aims to act quickly to get your business back up and running again after a disaster.

Coverage for your business includes:

Your buildings, fixtures, and improvements
Business interruption from a covered peril
Cover for stock and cash on premises
Legal expenses up to the policy limit

Businesses can select to protect the entire building, inventory, equipment, and additional company property. What’s more, this coverage also offers business interruption insurance to replace lost income and pay suppliers when a business is being put back together after a loss.

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The right combination of insurance and risk management for commercial real estate in Long Island City, Great Neck, Nassau and All of the Greater NY Area!

Insurance for apartment buildings, office buildings, and shopping centers tailored for your business.

The term “commercial real estate” encompasses many occupancies and purposes which often require different insurance treatment. Abatelli Group, Inc. has access to more than a dozen top-rated insurance companies and has the experience to help you assess key risk exposures; with that as a starting point, we can offer budget-friendly solutions from one of the several top-rated insurance companies that we represent.

Model commercial property insurance programs usually include some of the following insurance coverage:

Commercial building and structure insurance
Insurance for business property (that is not real estate)
Liability protection
Loss of income
Crime insurance
Insurance for valuable papers including accounts receivable
Customizing commercial insurance programs for businesses in LIttle Neck, Douglaston, College Point and…

Differences in commercial property use, and your business objectives and structure, require customization of a model insurance program. For example, residential building use–apartments– differ from business office occupancy, and a property used for manufacturing requires even further customization. Some of the insurance products we may use to tailor your commercial real estate program to your unique business include:

Advertising Injury Liability
Errors and Omissions Insurance
Inland Marine Insurance
Commercial Auto
Commercial Umbrella Insurance
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Commercial Umbrella Insurance

Business owners have a lot to lose and an ever-growing list of ways to lose it. Unfortunately, disasters can strike at any time. In such a litigious society, catastrophic lawsuits are the new norm. While your commercial insurance will do what it can to protect your business, some lawsuits go above and beyond the standard liability limits. After all, every policy has its limits.

Commercial umbrella insurance in Queens, New York provides an affordable layer of excess liability insurance, extending the limits to which you’re protected. In essence, this coverage could be the difference between a business surviving a disaster or having to close the doors for good.

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Contractor’s Insurance

Contractor’s insurance is designed for general contractors and subcontractors to receive reliable insurance protection through one entity. Policies can include general liability insurance, workers’ compensation insurance, and commercial auto insurance, so that your work, tools, equipment, employees, and business property remains protected.

Whether you’re part of a construction crew, carpenter, plumber, electrician, or similar, finding the right amount of contractor’s insurance helps to safeguard your business while on the job.

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Contractors Bonds (Contractors Surety Bonds)

There are several types of Surety Bonds for contractors: Bid Bonds, Performance Bonds, Payment Bonds, License Bonds, and Supply Bonds, to name a few. In general, surety bonds assure a project owner that they can rely on contractor performance, ability to make payments to certain other parties (e.g., sub-contractors), good faith bid submissions, and so on. The issuer of sureties, usually an insurance company subsidiary, investigates the abilities of a contractor and, in the event of a valid claim, will provide reimbursement for non-performance according to the terms of the surety.

Information Needed for General Agreement of Indemnity:

Federal ID Number of each corporation
Full Name and Social Security Number of each stockholder and their spouses
Home Address of each stockholder and their spouses
Legal Name and Address of Corporation
For Bid Bond Purposes – State(s) of Incorporation
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Contractors Libaility

Contractors have a unique trade in which their physical activity is important. Handling electricity, water, machinery, tools, and equipment, is part of the job. It also adds more risk onto any given contracting project.

As a contractor, you may not want all of the extra coverage that is included in a Business Owners Policy. Because of this, contractor’s liability insurance is available for those who want general liability protection with no frills and no fuss.

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Crime Insurance

Many business owners believe that damage and loss from a crime are already covered in their business property insurance. While this can be true in some cases, more often than not, a standard business policy does not provide protection for crime related incidents.

Crime insurance covers business owners from various types of criminal activity, including embezzlement, employee dishonesty, forgery, theft and damage to business property, and computer fraud. As a business, take action to ensure that you do not lose important data or finances on account of a dishonest employee or criminal.

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Cyber Liability Insurance

Most businesses run their companies online. From social media to emails to data storage, the cyber age has significantly improved business’s marketing and protection of digital information. Even if your brand isn’t in the technology industry, you’ll find that you no doubt use the Internet, email, and networks to conduct and boost your business.

Traditional insurance policies are not designed with the new threat of cyber-crime in mind. While more businesses head online to store important documents and communicate sensitive data, hackers take this opportunity to expose and rob businesses. Cyber liability insurance covers a range of loss exposures. This includes damages due to loss or theft of client data, infecting your business network with a virus, and email transmitted libel. In the ever-growing digital age, having such protection is imperative for every business.

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Directors & Officers Liability Insurance

Directors and officers liability insurance is put in place to protect company directors, officers, and senior management personnel. In today’s legal environment, lawsuits against a business and the management for negligent or wrongful acts are much easier for shareholders and employees to do.

Directors and officers liability insurance is tailored to each large company so that it fills the gaps in primary business liability insurance, and protects the personal assets of the directors and officers.

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Disability Insurance (Employee)

No employee ever thinks that they will become disabled. However, if it should happen, you will want the right protection in place. Disability insurance policies are designed to suit supplement employer benefits, offer benefits to the self-insured, or fund a business disability buy-sell agreement.

Maintaining the right disability insurance coverage gives you the peace of mind that you’re protected, whatever the issue.

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Employment Practices Liability Insurance (EPLI)

Employment practices liability insurance (EPLI) protects business owners from litigation brought forth by current or prior employees. While no business likes to think that they have disgruntled employees by violating their rights, the reality is that former and current employees take action if they feel they have been mistreated. These lawsuits can be grueling and expensive, but EPLI coverage is there for your business.

Generally, EPLI focuses on issues such as:

Sexual harassment
Wrongful termination or discipline
Wrongful failure to promote or hire
Emotional distress
Breach of contract
Discrimination

The recent growth in employment practice litigation makes EPLI valuable, if not essential, coverage to obtain.

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General Liability Insurance

Every business should be shielded from accidents and injuries that happen on the property or within the scope of the firm. Commercial general liability insurance protects your business from expenses resulting from unpredictable, costly, and damaging occurrences.

General liability in Queens, New York covers property damage or personal and advertising injury caused by your services, business operations, or your employees. It is one of the most important insurance products that anyone can get for their business, due to the negative impact of a lawsuit.

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Inland Marine Insurance

When working off-site, a standard business insurance policy may not always cover your tools, equipment, and computers. In turn, this puts your business at risk. Inland marine insurance typically covers property that is mobile in nature.

Examples include:

Computers/computer systems
Tools and equipment for contractors
Photographer equipment
Fine art dealers
Goods transported by an insured trucker

In addition to the above, inland marine insurance coverage is used when insurance is required for business property, such as bridges, roads, piers, televisions, and radio towers. As a specialized type of insurance, this coverage is designed to provide replacements for the property if it is lost, damaged, or stolen.

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Landlord Package Insurance

As a landlord, it’s important to remember that your homeowners insurance is not designed for rental properties. As a result, you will need special insurance for landlords. Luckily, this comes in one neat package!

Landlords face special risks that require certain insurance protection, including loss of rent due to a covered peril, legal liability resulting from the activities of tenants, under- or uninsured repairmen, varied residential or commercial occupancies, and protection for buildings with several units. A landlord insurance package is designed to protect you from loss of rental property, although it does offer adequate limits to protect your other assets from legal liability arising from rental activities.

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Ocean Marine Insurance

Many oceanic risks can be protected by this policy form. Both inland and ocean-going vessels and their cargo can be covered under Ocean Marine Insurance. Working boats and ships, as well as pleasure craft and even offshore oil rigs, fall under this category of protection. Coverage extends to the vessels themselves as well as the cargo. Liability coverage can be purchased not only by the vessel or cargo owner but often by anyone with an interest in or responsibility for insurable property.

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Professional Liability Insurance

Even though you plan and execute business operations with diligence and expertise, are you prepared for unforeseen circumstances? In the real world, miscalculations, omissions, and accidents are easy to make. If your business was to make a mistake like this, a hefty lawsuit could come your way. Businesses that require specialized knowledge have a much higher risk of getting sued over an error or omission.

Professional liability insurance, otherwise known as errors and omissions insurance, will protect you if your business is held liable for financial loss or other damages due to negligence or failure to perform services correctly. For accountants, attorneys, architects, counselors, engineers, management, business consultants, technology companies, and more, this coverage saves you financial hardship.

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Public Entity Programs

Cities, towns, counties, state and federal government entities face substantial risks that are unique. Fire and police departments, public recreation areas, and equipment and road maintenance pose vastly different and challenging risk and insurance issues. We have the expertise and programs to find the right solution.

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Trucking Insurance

Is trucking your business? If so, you will need the correct insurance. Fortunately, trucking insurance is there for you.

Trucking operations can choose coverage to include:

Physical damage to trucks and trailer
Primary auto liability
General liability for property damage or personal injury when a truck is not involved
Non-owned trailer liability
Non-trucking liability for drivers and trucks not under dispatch

With vehicles on the road, employees at risk, and goods being transported, trucking insurance is well worth the purchase to protect it all.

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Workers Compensation Insurance Quotes and Service for Businesses in Malba, Bellerose, Nassau, and Astoria, NY

Resources and Quotes for Work Comp and Business Insurance

Workers compensation is a mandatory insurance for many businesses in New York, required by the state. But good service and workers comp policy options are not mandatory, they are just part of the Abatelli Group, Inc. advantage.

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