Commercial Insurance Policies

Cover all your risks—and protect your small business.

Whether you need general liability, commercial property, or workers comp insurance, our commercial coverage insurance agency is experienced and ready to help. We have access to wholesalers and brokers that specialize in hard-to-place risks, and we make the quoting process easy with our 24-hour texting capability and online signing system.

From offering unique solutions such as pay-as-you-go options to getting assistance with rate class verifications to minimize your premiums, we’ll save you money on your policies while ensuring that your Rochester NY business has the coverage it needs.

General Liability Insurance

Commercial general liability insurance (also called CGL) is like a safety net for your business. It’s a comprehensive policy that protects against common risks businesses face, such as accidents causing bodily injury or property damage, or issues arising from advertising.

Think of it as the first line of defense for your business, offering coverage for mishaps that can occur on your premises or during operations. This insurance not only provides financial protection but also ensures that you have support in legal matters related to covered claims.

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Workers Comp Insurance

Workers’ compensation, also known as “workers’ comp,” is a government program designed to support your employees, providing them with financial assistance and healthcare benefits if they get hurt or sick while on the job.

Workmans comp also protects you as an employer since in accepting these benefits employees generally agree not to sue you for damages related to their claim. So it’s a way to ensure your workers are taken care of while also managing potential legal risks for your business.

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Commercial Auto Insurance

If your business owns, rents, or uses vehicles for business purposes, you need commercial auto insurance. Like your personal auto policy, it covers property damage, bodily injury liability, collisions, and more—but it’s tailored for your business vehicles.

Your regular business insurance doesn’t cover vehicles. And accident claims on your personal auto insurance may not be covered if a business vehicle was involved. Plus, commercial auto insurance offers higher liability coverage limits, giving your business extra protection.

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Commercial Property Insurance

Commercial property insurance protects your business’s physical assets, such as buildings, equipment, inventory, and furniture, from various risks like fire, theft, vandalism, and natural disasters.

Without commercial property insurance, your business could face significant financial losses trying to repair or replace damaged property out of pocket. And it gives you peace of mind, knowing that your investments are protected and that you’ll be able to recover from unexpected setbacks.

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Looking For Something Else?

We’re happy to provide information and quotes for any commercial insurance policies:

Umbrella insurance
Business income insurance
Disability insurance
Crime insurance

Request a Ferris commercial insurance quote today.

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As a top provider of commercial insurance in Rochester, NY, we are dedicated to providing thorough coverage that will satisfy the particular requirements of your company. Our expertise lies in crafting plans that offer all-encompassing protection for your enterprise. To make sure your company is adequately protected, our commercial coverage insurance agency will collaborate with you to evaluate the specific risks and create a policy that meets your needs.