Business Insurance


Top 4 Tips to Save on Small Business Insurance Cost

Managing your small business and its needs can be tricky. The burden of finding the right business insurance policy can be troublesome. The four suggestions in this blog post will help you relieve pressure and reduce the cost of your small business insurance, and free up funds for other business-related activities.

Bundle Your Insurance Policies

Bundling multiple policies into one is a way to simplify the management of business insurance policies while saving on your coverage. Instead of choosing different companies for various coverage, find an insurance contractor that offers coverage for all of your needs. However, ensure to compare the prices before opting for a single policy. It is best to shop around when looking for different policies. Additionally, managing a single policy will help you save a lot of time and energy.

Raise Your Deductibles

Your out-of-pocket expenses when making a claim are known as deductibles. Raising your deductibles could significantly lower the cost of your policy, and you might be able to put the money you save each month towards your other business endeavors.

Review Coverages Regularly

With the world’s rapid development, your company’s requirements may alter over time, necessitating the purchase of new coverage to guarantee its smooth operation. As a result, it is advisable to review your policy with your insurance provider regularly to modify your coverage or buy more security for growing your business. It’s crucial to keep in mind that failing to secure sufficient protection for your small business could result in a penalty. Notify your insurer whenever you add or eliminate more employees, relocate your company, expand your business or start offering more goods and services.

Build Stronger Risk Management Systems

While being aware of potential risks to your company and having insurance to cover them is advantageous, you could probably save more money on your business insurance if you invested in taking steps to reduce some of those risks. One of the ways you could build a stronger risk management system in your small business is by having a plan to recover after potential hazards such as destructive storms and more. In the event of any such incidents happening, you may be able to keep your business open or have it reopened quicker than anticipated. Another way is to appoint a successor in the event of your retirement to avoid any potential disputes regarding it which may hurt the operations of your company. These ideas could help keep your business afloat and reduce the risk in the eyes of your insurer, which may result in a significant decrease in your business policy premiums.

Cut Your Insurance Costs with Abatelli Group Inc. 

Running your small business with complete protection should help ease your worries, especially when protection doesn’t break the bank. Contact our professionals here at Abatelli Group, Inc. today to learn more exclusive tips to help you save on your existing small business insurance costs, or to procure the most affordable business insurance policy tailored to all your specific requirements. Contact us to get it started.



Professional Liability for Government Contractors

What Is Professional Liability Insurance?

Professional liability insurance protects from financial loss and damage to their reputation. Also referred to as an errors and omissions policy, it protects professionals from claims of negligence that occurred because they made a mistake while performing their duties. Even experts can make a mistake. This coverage ensures that the person who was “injured” by your mistake is sufficiently compensated. Government contractors rely on this type of insurance to cover their unique needs. This insurance covers mistakes, negligence, personal injury, and copyright infringement.

How Does It Work?

Professional liability policies are sometimes written when a claim is made and will pay back to a specific date. A retroactive date may be two weeks or two months in the past. This type of policy also includes an extended time frame that is sometimes 30 to 60 days in the past. This allows a person to have coverage if a claim is filed on an incident that occurred at an earlier date.

What Isn’t Covered?

A professional liability policy will not likely cover bodily injury claims. They may, however, be covered by a general liability policy. A professional liability policy will not cover any third-party damage. General liability will cover many claims, including false arrest, advertising injuries, and copyright infringement.

Who Needs It?

Any professional can benefit from having a professional liability policy. Government contractors who offer advice or provide services to their customers need this type of insurance to protect them in case of a miscommunication or a mistake. Sufficient coverage will help save their reputation and protect their financial security.

How Much Does It Cost?

The cost of a professional liability policy will be based on many variables. Each business is unique when it comes to location and the type of products/services that are offered. The size of the business and how long it has been operating will determine the amount of risk an insurance company will expect to deal with. The more risk a contractor carries, the higher their premiums will be.

Why Is It Important?

Carrying professional liability insurance is important for more reasons than you might think. Yes, it covers damages, but it is also very beneficial if a lawsuit is filed against you. When a quality professional liability policy covers you, the peace of mind allows you to relax, knowing you are fully protected from financial loss.

Final Thoughts!

When you have questions about a professional liability policy, call the agents with the most experience. Contact Abatelli Insurance today and speak to a reputable agent. We have the answers you need to ensure you have the protection you need to keep your business running efficiently. As a professional, you have unique needs to secure your financial future and maintain your reputation. Don’t put your future in harm’s way. Schedule an appointment and talk to one of our agents today!


6 Known Myths About Commercial Auto Insurance

Commercial auto insurance is a type of insurance policy that includes liability and physical damage and adds extra coverage to shield a company from financial loss when using a vehicle for business purposes.

Understanding the distinction between personal auto coverage and commercial auto policy is crucial for business owners. It makes sense that your business will require some form of transportation, whether getting to and from the office or going to a job site.

Unfortunately, there are several myths about commercial auto insurance, such as:

MYTH: Although I use my vehicle for work-related purposes, I am not self-employed. My auto coverage will cover any losses.

TRUTH: Most likely not. If you use your car for anything other than personal travel, you should either upgrade your auto insurance to cover business travel or get a commercial auto policy.

MYTH: My tools and equipment are covered if I leave them in a commercial vehicle.

TRUTH: Typically, equipment that is affixed to the vehicle permanently will be covered. Unless specific coverage for objects in transit has been specified, loose tools, tool boxes, equipment, and supplies will not be covered.

MYTH: When my staff operates my commercial cars, they are covered by insurance.

TRUTH: This isn’t always the case because some insurance providers demand that all business vehicle drivers be listed on the policy. Drivers permitted to operate the vehicle are covered if your commercial auto policy has “permissive use” coverage.

MYTH: Since my business is seasonal, I don’t need to keep my commercial auto policy active when it’s not in use.

TRUTH: There are two justifications for keeping your commercial auto insurance during a brief outage. The first justification is that keeping the policy in place would likely result in a lower insurance rate than starting it back up later. Second, terminating the contract will give you zero insurance protection for your parked cars.

If you want to continue protecting your company vehicles from theft, vandalism, or fire during downtime, it is recommended to consider comprehensive-only insurance.

MYTH: Because I deliver packages, my auto insurance covers my car.

TRUTH: When you drive for pleasure, to and from business, or for other personal reasons, your auto policy protects you from liability claims. If you are self-employed and use your vehicle for work, personal auto insurance will not cover you.

MYTH: If your automobile is stolen, vandalized, or damaged by falling tree limbs, hail, flooding, or fire, your insurance will pay for it.

TRUTH: It may not be cost-effective to purchase these coverages if a car is worth less than $1,000 or less than ten times the insurance rate. However, you need collision and comprehensive insurance to protect your automobile from all forms of damage adequately.


Your company is more than just a place where you spend eight or more hours daily. It is the cause of your family’s ability to put food on the table and have a roof over their heads. It puts much effort into helping you. Thus, it deserves to be preserved. Speaking with an independent insurance agent and obtaining the appropriate level of coverage for your risk profile are the best ways to protect it.

This blog discusses the most common commercial auto insurance myths. Let us assist you in locating the insurance that will best serve the needs of both your business and your employees. Then, for a quick, affordable quote, contact us right away.


7 Tips May Help You Choose the Right Contractor Insurance Company

How do you pick the best contractor insurance provider? Nearly 60% of contractor businesses operate without insurance. Even for those who do, the coverage remains insufficient. Although safety measures lessen incidents, they cannot be avoided.

Let us walk you through 7 contractor insurance tips for finding your business’s most suitable contractor insurance company.

  1. Find The Most Affordable Insurance

    Nobody wants to spend more money than they have to on coverage that won’t adequately safeguard their company. The best insurance company can offer you a great deal while providing excellent services.

    It’s essential to pay attention to how much you’re paying for your contractor insurance. When you choose the appropriate contractor insurance company, cheap insurance should not imply poor coverage.

  2. Know The Company’s History

    If you’re looking for a company that provides excellent services, it’s essential to do your research. You should ensure the company has an established history of providing reliable services and competitive prices.

    Explore the insurance providers that interest you. It’s doubtful you’ll come across a business with just positive reviews. Look for another company if the information does not fully address your questions or leaves you feeling uneasy about them.

  3. Quick Turnaround for Quotes

    Your insurance company should be able to give you quotations from at least three separate sources and activate your policy within seven days of receiving your information.

    Slow turnaround times result in delays in starting your project, which may cost you money. Selecting the appropriate contractor insurance company can avoid these costly delays and save money.

  4. Assessing Your Insurance Requirements

    A good contractor insurance company should assess your business insurance needs. This ensures that appropriate coverage is supplied. Knowing your needs and understanding how your insurance company can help you is vital.

    One of the best contractor insurance tips includes selecting the best provider to get the needed coverage while offering competitive prices.

  5. Assistance and Support When You Need It

    Your insurance agent should assist and support you when you need it the most. For example, you are unsure about your required coverage and have particular queries. The appropriate contractor insurance company will provide policy guidance and tailor-made coverage to suit your specific business’s needs.

  6. Exclusive Deals in Contractors’ Insurance

    You will benefit by dealing with a single company for all contractor insurance requirements.

    They may combine your insurance needs into a single, easy-to-manage policy for you which can be very helpful and resourceful in the long run.

  7. Use Precaution If Anything Seems Incredibly Cheap

    If you have some quotes and one seems noticeably lower than the others, proceed with extreme caution. The coverage provided, a reported payroll error or a misclassification could be all issues.

    Any of those mistakes may eventually be discovered during an audit, and you might owe more money than you would have.

Choose Abatelli Insurance

Contractors’ insurance protects your company in the event of a disaster. It’s the security blanket your company needs. Finding the finest insurance provider for your contractor business can be done fast and efficiently, but you may want to consult with an expert.

This blog discusses the best contractor insurance tips for everyone. Need insurance for your firm? Contact our experts today at Abatelli Insurance Agency.


Small Business Workers’ Compensation Insurance: Is It Necessary?

Accidents can happen despite your best efforts to prevent workplace injuries. This is where workers’ compensation insurance is necessary. It protects your employees if they are injured at work and also your business from associated claims and lawsuits. Without workers’ compensation insurance, you are liable for workplace accidents and related losses, which could financially ruin your business.

Read on to learn how workers’ compensation insurance can help your small business stay afloat.

The Need for Workers’ Compensation Insurance

Workers’ compensation insurance is required in several states although they are governed by varied laws and regulations. For example, in Alabama, you are required to buy the policy if you have 5 or more employees, whereas, in Arkansas, you need it if you have more than 3 employees.

Having workers’ compensation insurance is helpful to protect your business, notwithstanding your state’s regulations. For instance, if an employee becomes ill or injured at work, they may sue you, seeking compensation for their medical expenses or lost wages. Unless you have workers’ compensation insurance, you will have to cover these expenses out of your pocket.

Purchasing a workers’ compensation policy is essential because you are responsible for protecting your employees, whether they work at the office, at home, full time or even, part-time.

Workers’ Compensation Insurance for Remote Workers

Like in-office workers, remote workers should be covered by workers’ compensation insurance, since they are also susceptible to slips, accidents, and ergonomic injuries caused by poor workstations. If you buy a policy for them, ensure your remote workers’ work environment is safe and ergonomically correct to avoid frequently filing claims. An insurance provider may also consider your remote workers’ working environment and possible risk factors before providing coverage.

What Is Covered by Workers’ Compensation Insurance?

It covers your employees’:

  • Medical bills, including hospital stays, medications, emergency room visits, ongoing care, physical therapy, and surgical procedures.
  • Lost wages while recovering from a workplace accident or injury.
  • Death benefits in fatal incidents.
  • Disability expenses if they cannot work after a workplace injury.

What Is Not Covered by Workers’ Compensation Insurance?

It won’t cover:

  • COVID-related illnesses and medical expenses
  • Injuries that happen at work gatherings, such as a picnic or softball game (if participation is optional)
  • Part-time employees and subcontractors (unless they are added)
  • Injuries caused as a result of a fight between two employees for personal reasons
  • A work-related illness, injury, or accident that occurs because an employee is intoxicated or under the influence of illegal drugs

How Much Does Small Business Workers’ Compensation Insurance Cost?

The cost of worker’s compensation insurance varies depending on the size and location of your business, nature of work, employees’ payroll, and claims history. You can get quotes from different insurance providers and settle with the one that provides comprehensive coverage at an affordable cost.

Protect Your Business and Employees with Abatelli Insurance Group

If you are looking for all-inclusive workers’ compensation insurance in New York, contact us today at Abatelli Insurance Group. We provide coverage tailored to unique risk exposures and needs of your business, ensuring extensive protection at all times.


Tips to Choose the Right Commercial Insurance for Your NY Business

As a business owner, you must ensure your business has the right amount of insurance coverage to protect it against unpredictable events. For over 100 years, Abatelli Group has been meeting the commercial insurance needs of businesses in the NY area, and we will be happy to walk you through the process while ensuring we pick the best policy for your business. Making an uninformed decision when choosing the amount of coverage your business needs could have costly consequences.

To get you started, here are 4 features to look out for when choosing commercial insurance for your business.

1. Coverage for your commercial vehicles:

If running your business involves driving company-owned vehicles, then your commercial insurance should include coverage for such vehicles. Commercial auto insurance covers damage to the vehicle or another person’s property in the event of an accident, as well as injury to the driver of the vehicle or someone else. Business vehicles can include vans, construction vehicles, trucks, etc. Personal car insurance will usually not cover any damage caused while using the car for commercial purposes, hence the need for this type of coverage.

2. Cyber liability coverage

: Businesses are relying more and more on technology to solve problems and ensure the smooth running of their operations. While this may boost efficiency and help the business to keep up with its competition, it also makes the business more vulnerable to cyber threats. Having a business insurance plan that covers cyber liabilities will help mitigate financial losses that come with data breaches and other covered cyber events. This may include covering the costs of restoring stolen data or paying litigation fees if a client’s personal information is leaked or stolen, and they decide to sue your business.

3. General liability coverage:

This protects against damages inflicted to another party during your company’s operations. Such damages include property damage, bodily injury that occurred on your business premises, and harm inflicted by your product. It may also cover any damage that was caused by an employee in a location outside your premises.

4. Property coverage

: Commercial property insurance protects your business properties in the event of unforeseeable circumstances. Circumstances such as theft, fire, vandalism, and explosions are covered by this policy. The physical assets that are protected include your building itself, important business documents, all office equipment, manufacturing equipment, inventory, and other outdoor items within the premises.

You’ve worked hard to build your business. The cost and risk of leaving your business unprotected are not worth it. Talk to the team members at Abatelli Group, Inc. to find out how we can protect your business from unforeseen circumstances. With a reliable commercial insurance, we can help your business if it is located in Whitestone, Flushing, Bayside, Little Neck, or surrounding cities of New York. Contact us today to get started.


Cybersecurity Tips to Protect Your Business-Related Emails

If you run a small business, then it may be difficult to get external help like most public and large corporations do. One area where small businesses might need help is email security. In this article, we have highlighted a few tips which you can use to protect your business emails, even if you cannot afford external IT help.

Here are five cybersecurity tips for small businesses that can help you protect your email:

1. VPNs

VPNs, virtual private networks, are used when individuals want to browse privately and anonymously on the internet. If you have employees or vendors who will be accessing your business emails from outside the office using unprotected WiFi services or public WiFi, they should use a VPN to hide their activity. This is advantageous for small business security because it helps prevent breaches from leaked data caused by the use of unsecured internet infrastructure.

2. Strong Passwords

Passwords are used to protect your email from intruders who try to break in. You must use a password that cannot be easily cracked. Some email providers recommend that you use a mixture of upper and lowercase letters, numbers, and symbols to create a sturdy and impenetrable password.

3. Encryption

Information that is sent over the internet, like messages, photos, videos, and emails, can be encrypted. Information that is not encrypted can be intercepted and the information can be stolen. You should invest in low-cost encryption tools that can be used while sending sensitive information over email.

4. Two-Factor Authentication

Two-factor authentication is a process where you attach a trusted number to your email account, generating a code that is required to log in to your email account. This is a security system designed to protect your account in the event intruders gain access to your email password and try to get into your account. Without this unique password, they will be unable to access your account. To further improve security, ensure the phone number isn’t easily accessible.

5. Avoid Suspicious Emails (Phishing)

Hackers will sometimes send out malicious email messages resembling legitimate companies in a bid to get you or your staff to click on harmful links. These links could allow them to gain access to your emails, bank account information, or any other credible information they need to steal from you. Train your staff to recognize suspicious emails that promise them rewards if they click on a link.

Is It Dangerous to Share Your Email Id with Social Sites?

Social media platforms may ask for your email id to connect you with friends. However, there have been privacy-related lawsuits against many of these platforms. So, it is better to avoid sharing your email login credentials with such sites.

There are numerous ways bad actors can gain access to your small business emails but these useful tips will help keep you safe from harm. Identifying cybercrime and stopping hackers before they can breach your system is of the utmost importance. Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business from potential cyber-attacks. With reliable commercial insurance, we can help your business’s future. Contact us today to get started.



4 Ways to Protect Your Business from Cybercrime

With more and more people working from home, the risk of cyberattacks for a business owner or an employer has increased significantly. Understanding how hackers can break into your network is essential, and preparation is key to prevent cyberattacks from being successful. Establishing sufficient cybersecurity measures is crucial if you plan on keeping your internet environment protected and intact.

1. Properly Train Your Employees

Provide your employees the proper training they will need to identify potential cyber threats and take the necessary steps to prevent data corruption and loss. Administering proper training to employees will allow them to stay current with the latest threats and tactics being used by hackers. Make sure to give them the tools they need to shut down a threat and prevent damage from occurring. Each employee must have the necessary training to succeed when it comes to protecting their work environment.

2. Two-Factor Identification

Two-factor identification is a great tool for employees that can be used to protect themselves and their work environment. With this type of access, a person would need to provide two different kinds of information to gain entry into their online accounts. This may be a combination of a PIN and security question or a PIN and fingerprint. As long as two components are used, it makes it much more difficult for hackers and internet intruders to gain access to your private files and network.

3. Use Up-to-Date Technology

Providing your employees with the most up-to-date technology is the best way to keep your company protected from a cyberattack. Through the use of firewalls, enhanced cloud security measures, two-factor identification, and other useful tools, you can protect your business and personal files from cyberattacks and hackers who are trying to gain access to your confidential files. If you need assistance with adding more sophisticated cybersecurity equipment, hire an IT professional who can evaluate your needs and provide you with the type of system that will work best for you.

4. Implement a Cybersecurity Environment

All employees must understand the importance of their role in maintaining a safe and productive internet environment. Every person is a vital member of the team when it comes to monitoring and identifying potential threats. With the proper training, equipment, and the right security protocols, each employee will be able to take the steps that are necessary to maintain a secure network.

Cybersecurity is an essential part of any business, especially with many people working virtually. Identifying cybercrime and stopping hackers before they can breach your system is of the utmost importance. Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business from potential cyber-attacks. With reliable commercial insurance, we can help your business’s future. Contact us today to get started.



How Business Insurance Can Save Your Company

Every business owner knows that they need commercial insurance. It helps protect their investment, livelihood, and hard work – but how? As a business owner, you should know how valuable coverage can save your company. Here are just a few ways.


If one of your employees is injured in the course of their work, your workers’ compensation insurance will step in to help. This coverage will help to pay for their medical fees, rehabilitation costs, and lost wages while they are out of work. Keep in mind that every business is at risk of employee injury, from trips and falls to musculoskeletal disorders, and more. Even if you only have one employee, you still need to take out this coverage.


If you are competing for business with other similar companies, you can increase your credibility by maintaining the right levels of insurance. Many companies do not have the correct insurance policies in place to protect themselves, their employees, or customers. It is becoming more and more popular for large brands to only work with businesses that take actionable steps in protecting themselves and others in the form of insurance.


A common and vital coverage for every business is general liability insurance. Even if you think your business has a low risk of being involved in a liability claim, it is always better to have the coverage in case the unexpected does occur. If a guest falls on your property and injures themselves, or your employee accidentally damages someone’s property while on the job, your business could be held liable for all associated expenses. General liability insurance helps to cover these costs as well as legal defense fees if the person decides to sue. Since these issues can often extend to hundreds of thousands of dollars, your business is protected from these costs with general liability coverage.


Whether you rent a small office or own a large warehouse, you need to protect the property your business uses. From the structure to the furniture, electronics, and inventory, your business needs all of these components to run smoothly. Property insurance helps to protect these from damage such as fire, theft, vandalism, and natural disasters. For example, if a fire tears through the building and destroys your inventory and part of the property structure, you can rely on this coverage to help repair and replace so that your business gets back on its feet as soon as possible.

Securing the right business insurance doesn’t have to be difficult. The right agents are here to help you. For the right workers’ compensation insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage. We are ready to assist you with all of your insurance needs.


Prepare Your Business for Common Insurance Claims

Safeguard your business from damage and danger.


As a business owner, it is incredibly important to be able to prepare your business for common insurance claims. Not only does this reduce the risk of claims occurring, but it helps you to save money and gives you peace of mind. Get started on preparing your business for common insurance claims today.


Burglary and theft

  • Put your lights on a timer so that passersby think that there are late-night workers in the building.
  • Blinds or tinted windows offer an excellent deterrent for spontaneous theft and break-ins.
  • Put up security cameras that record at all times.
  • Never leave cash or valuable items visible from the street.



  • Turn off any equipment when not in use.
  • Place portable heaters away from flammable objects.
  • Invest in an automatic fire alarm that alerts the fire department when it detects smoke.


Customer slip-and-falls

  • Implement a policy that requires your team to remove clutter from the floors once an hour.
  • Encourage employees to keep all computer and equipment cables tidy at all times.
  • Avoid placing objects on stairwells.
  • Light all paths and steps effectively.
  • Mop up spills as soon as possible and place wet floor signs in damp areas.
  • Fix cracked or broken pathways.


Vehicle accidents

  • Keep vehicles in good condition. Regularly check the fluids, tires, brakes, lights, and engine. Perform tune ups regularly.
  • Educate your drivers on how to drive in bad weather. Ensure they know to pull over in poor weather conditions.


Preparing your business for common insurance claims can help to keep disasters at bay. For the right commercial property insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!

COVID-19 Update

We are no longer working remotely. You can reach us at (718) 352-6000 Letter to Policyholders