Business Insurance Policies

• Property insurance
• General business liability
• Business auto
• Worker's compensation

Property Insurance

From your building or workspace to your equipment and inventory to fencing and signage, business property insurance provides you with the coverage you need to protect your business's physical assets in case of accidents or natural disasters.

Restaurant

If you’re managing a restaurant, you have plenty to think about without worrying over whether you have adequate insurance coverage. Our menu of options provides a wide range of coverage, from worker’s comp and loss of income to property damage and liability and more.

Marine Coverage

Whether your marine business operations are inland, on water, or a combination of both, you have specific coverage needs that are unique to your business. Marine insurance covers both property damage and liability issues.

General Liability Insurance

When property damage or injury occurs as a result of your business operations, general liability insurance helps make sure your business is protected. In addition to property damage and bodily injury, most policies cover medical payments, defense costs, and other types of coverage related to your operations.

Pollution Liability

If your business uses or creates toxic or hazardous materials, having pollution liability insurance is critical. Cleanup of even relatively small spills can be thousands of dollars, and larger accidents can result in millions of dollars of cleanup-related costs. Pollution liability covers cleanup costs as well as associated property damage and bodily injury.

Business Umbrella and Excess Liability

Liability insurance provides effective coverage up to a point. But when a major accident occurs and damages wind up exceeding the limits of your general liability coverage, the results can be catastrophic, even resulting in the loss of your business. Umbrella insurance provides additional protection to cover significant damages. A recent survey shows that over 21% of all claims require Excess or Umbrella limits

Small Business Package

Small businesses face different risks based on the type of business they operate, the equipment they use, the number of employees they have, the customers they serve, and other factors. Let us put together a coverage plan that’s customized for your needs.

Worker’s Compensation and NY Disability

Combined, these insurances protect workers from injuries incurred both on the job and off the job as well as providing them with income while they recover. Worker’s compensation is also important to help your business avoid being sued in the event of a workplace accident.

Running a business can be challenging, exciting, and, at times, stressful. Let MRE Martin Rosner Eleftherion provide you with the insurance products you need so you feel confident your business is properly protected. Call us today at (914) 696-3000.

Employment-Related Practices Coverage

Protects you from wrongful firing, discrimination, and alleged harassment suits from employees. It also protects against wage claims made by employees against the corporation.

Surety Bonds and Crime Coverage

Offer your client the peace of mind they need to make sure you’ll deliver the job or product you promise by providing a surety bond. Protect your own company’s assets by insuring against embezzlement, forgery, computer fraud, robbery, and other acts pertaining to employee dishonesty by making sure you have adequate crime coverage in place.

Cybersecurity

Computer fraud, identity theft, and other cyber risks are very real dangers today. Cybersecurity insurance covers your business from direct losses, losses from computer security breaches, and legal liability damages for both first- and third-party issues including network security and privacy liability.

Additional Product Offerings

Life Insurance

Protect the ones you love by making sure you have the life insurance that’s right for your needs. Whether you want basic coverage for outstanding debts, medical bills, or other final expenses, or you want to provide a lasting legacy to your survivors, we can help you find the best policy.

Buy or Sell Insurance

As a business owner, your death or long-term disability would have a significant impact on your business, as well as your survivors. Buy or Sell Insurance can help mitigate stress by providing the funds that can enable your company to be successfully transferred to a partner or other new owner.

Key Man Insurance

If your company relies on the presence and actions of one or a few people to generate business income or otherwise keep the company operating smoothly, their unexpected death(s) could have serious consequences. Key Man Insurance helps your company deal with those after-effects.

Disability Insurance

Like Key Man Insurance that provides protection on the death of an essential employee, Disability Insurance for you or other key personnel in your business helps ensure your business continues to operate smoothly and without interruption, financial default, or even failure, in the event of disability.

Group Disability

As an employer, you can significantly boost morale and improve employee retention by offering affordable Group Disability Insurance for short- and long-term disabilities.

Group Health Insurance

Attract and retain better, more qualified employees by offering Group Health Benefits to your employees. We can help you learn which plan is best for your company and ensure your company remains compliant under current healthcare reform policies.

Long-Term Care Insurance

Long-Term Care can be extremely costly, and without adequate insurance in place to help cover those costs, you and your family could wind up losing a lifetime of carefully planned savings. LTC Insurance helps pay for your care and protects your family’s future.