General Liability, Workers Comp & Business Auto

We find you the insurance you need at just the right price!

As a family-owned and operated chain of insurance brokerages, Spirit Insurance understands the needs of businesses of all sizes and in various industries.

For example, we know that a restaurant, a carpet cleaning company and an IT company are all very different types of businesses -- so we work with some of the best insurance providers in the business to put together commercial or business insurance coverage that offers everything you need, and nothing you don’t. And we can help you get the kind of coverage that businesses of all types need, such as group health plans.

At Spirit Insurance Agency, our many years in the insurance business have given us a lot of advantages over our competition -- such as several convenient locations in NY, competitive payment plans, low car insurance rates, updated computer systems to make transactions easy and convenient, and some of the best people in the business.

General Liability

As a business owner, every transaction you complete can result in either a profit or a risk. Protecting your business from the impact of potential customer lawsuits is very important. While an expertly crafted liability insurance policy can shield your business from this type of risk and expense, it can be forgotten until it’s too late.

What does business liability insurance cover?

Liability insurance covers the costs of legal fees, including court costs and the resulting award, if any is made. Imagine the peace of mind you’d have about attorney costs as a liability case grinds on—and if you’ve got valuable assets, those can be put in jeopardy by an aggressive attorney.

Liability insurance is appropriate for any business that could face potential lawsuits. There are several distinct types that you may need, depending on your business, and your tolerance for the risk of financial loss. The most common are:

  • Professional Liability
  • Commercial General Liability
  • Directors and Officers liability
  • Commercial Crime Business Personal Property
  • Business Owner Property (BOP)

Workers Comp Insurance

Keeping your employees safe at work is important. When a worker suffers an injury, workers compensation coverage provides your employees with the protection they need and provides you with peace of mind.

Protect your business. Ask about different types of insurance for you and your staff. Let us customize a plan that fits your exact situation. A little planning today could be vital in the future.  We are here to help.

Business Auto Insurance

If you’re driving a vehicle for business reasons, it’s important to have the right business auto insurance. It may be a four-door sedan to travel to and from business meetings or you’re towing a few tons of cargo in a large delivery truck, the right coverage protects your business.

Businesses should get a business auto policy even if employees use their private cars for conducting business duties. In the situation of a severe accident, an employee may not have enough liability coverage to protect the business adequately.

What can a business auto policy cover?

  • Comprehensive and Collision
  • Medical Payments
  • Emergency Roadside Assistance
  • Liability
  • Loss of earnings
  • Uninsured Motor Vehicle
General Liability insurnace for contractors
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