Commercial Liability

Protecting the businesses of New York

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Delmonico Insurance Agency can help you determine which of the numerous companies we represent will best meet your general liability insurance needs..

New York – What you need to know about commercial liability insurance

Take a look at the list below for additional general liability coverages that are often available.

Professional Liability Insurance (Errors & Omissions)

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Delmonico Insurance Agency recommends that all professional and technology companies have E&O coverage.

Employment Practices Liability Insurance (EPLI) 

Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Delmonico Insurance Agency recommends considering this type of coverage.

Directors and Officers Insurance (D&O)

D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

Cyber Liability 

You read about the rise of cybercrime in the news and it’s true – one stolen laptop or one resourceful hacker can cause a data breach with enormous consequences to any business. Delmonico Insurance Agency offers a variety of cyber insurance coverages, designed to address the broad array of cyber security exposures emerging in today’s world.

To find out more about these, as well as other products and services, call Delmonico Insurance Agency at 315-472-4242 and we’ll help make sure you’re properly covered.