Important Coverage for Your Business

As a business owner, you have many things to think about. Whether your business is adequately protected should not have to be one of them. Neighbors Insurance can provide the coverage you need to protect your assets, so you can focus on what is most important - growing your business.

Our Businessowners Policy combines all the broad coverages required by most business owners with specific coverages designed to meet special needs - all in one policy!

Covering the Basics

Our Businessowners Policy offers broad coverages for your business:

• Businessowners Liability Coverage - Insures against bodily injury, property damage, personal injury and advertising injury.
• Buildings and Business Personal Property Coverage - Provides replacement cost coverage for most buildings and business personal property.
• Loss of Income and Extra Expense - Protects loss of business income resulting from a covered loss. We cover your net income and continuning normal operating expenses, including payroll, for up to 12 months - with no preset amount.

Equipment and System Protection

Not found in a standard Businessowners Policy, Mechanical, Electrical and Pressure Systems Breakdown Coverage is included in our product. When critical equipment breaks down, your business can suffer and the repairs can be costly. This special coverage protects you from mechanical breakdown, electrical current, explosion, loss or damage to steam boilers or hot water heaters caused by conditions inside your equipment.

Add Even More Protection

Expanded coverage is available through our coverage extension endorsements in areas such as Property, Crime, Businessowners Liability, Employee Dishonesty and many others.

Your Key to Commercial Auto Insurance

Your company vehicle is an important asset to your business, so you want to make sure it is adequately covered. Business exposures for auto may not be covered under a Personal Auto policy; check with your Neighbors Agent to see if you need Commercial Auto coverage. Your Neighbors Agent can also tell you about our target class discounts, and additional enhancements and options.

Keeping Your Workers Covered

Providing statutory coverages for medical and lost wage benefits is an essential part of any business' insurance portfolio. Consider our Workers' Compensation coverage, and meet all your commercial insurance needs with multiple reliable carriers.

Greater Protection Under the Umbrella

Neighbors' Commercial Umbrella Policy goes beyond our Businessowners Policy, providing an extra layer of protection. When you insure with our Businessowners Policy and Commercial Auto products, Commercial Umbrella is available to protect your assets against catastrophic lawsuits.

Don't delay -- Find out today how to save on Business Insurance. Call us at 607.563.9955 (Sidney), 607.433.0989 (Oneonta), 607.637.5453 (Hancock), or fill out our convenient online simple information request form