It is vitally important for every local business, regardless of its size or industry, to have business insurance. This type of coverage will protect assets, employees, your office, warehouse or other facility, equipment, and even your enterprise itself against losses and liability. That’s why Grillo & Associates, the leading Long Island business insurance agency, wants every company owner to have the following insurance information before they come in and consult with us. Here is some information you should be thinking about before you meet with our team. All of this information will be used to help provide you with recommendations for the type of business insurance coverage you’ll need.

Here are a few examples of the questions we’ll need your input on to determine the best coverage options for your firm:

  • What is your business?
  • Where is it located?
  • What kind of services do you provide?
  • Do you lease or own the premises?
  • How many employees do you have (full, seasonal, or part-time)?
  • What is your estimated revenue for the year?
  • Are you working in a home office or do you have a separate business address?
  • Does your business lease vehicles such as trucks or cars for members of your staff?

Here is an overview of the different insurance coverages we offer. Rest easy, our professionals will not advise you to purchase more insurance than you need, nor will we allow you to leave your enterprise underinsured in the mistaken belief that you are saving money. As the leading Long Island business insurance agency in our region, Grillo & Associates provides comprehensive insurance policies for every company. Here’s an overview of the types of Business Owners Insurance Policies (BOPs) that we offer, as well as their intended purpose:

  • Property Insurance
      • Coverage for buildings, equipment, and inventory.
  • Business Interruption Insurance
      • Covers productivity losses if you are forced to close your operation or reduce production for a period of time.
  • Liability Protection Coverage
      • Covers harm by employees or your products to other people or their property.
  • Crime Insurance
      • Pays for the loss of money or securities due to theft and destruction. This includes employee theft or embezzlement.
    • Pays for lawsuits due to accidents, for example from selling a product that caused property damage to a customer. It also protects your business’ good name if you are accused of offenses such as slander, copyright, or invasion of privacy.

Grillo & Associates also offers Commercial Property Insurance. This type of coverage pays for losses and damages to real or personal property caused by specific threats that are indicated on your Policy Declaration. For example, a property insurance policy would cover fire damage to your building or office space. You can also purchase additional coverage for business property, such as:

  • Boiler and Machinery Insurance
  • Debris Removal From Property
  • Glass Insurance
  • Inland Marine Insurance
  • Builder’s Risk Coverage
  • Business Interruption Coverage
  • Tenant’s Insurance
  • Crime Insurance
  • Ordinance or Law Insurance
  • Fidelity Bonds

As you can see, Grillo & Associates has earned our reputation as the top Long Island business insurance agency by offering an extensive array of coverages that are the right choice for every company. Allow our team to guide you in your selection of the right policies and coverage for your business and your optimal peace of mind. Call today to schedule your confidential consultation!