Commercial

If you run a business and are looking for quality insurance coverage at a reasonable price, the H.G. Ellis Agency can provide exactly that. By working closely with you to understand your needs and wants, we will tailor a policy precisely suited to your business. Contact our nearest branch to discuss your specific needs.

Here are some of the many coverages we offer:

Commercial general liability

This gives you basic liability coverage, which protects you against claims by others. This can be tailored to protect against lawsuits relating to premises/operations, completed products and operations, medical payments, personal and advertising injury, and fire-damage liability.

Limits from $300,000 CSL up to $4 million are available, depending on the business class.

Commercial property

When it comes to property insurance for your business, we recommend that you keep it simple. This coverage provides protection for assets such as buildings, business personal property, equipment, and inventories.

If you need your insurance for computers or just for your business records, we offer a policy that will fit. You can put everything on one policy that provides all the needed coverage in an easy-to-understand format and at a very competitive price.

Business automobile

Downtime for your commercial vehicle is more than an inconvenience—it is lost profit. Commercial coverage and service will get you back on the road quickly. Business auto coverage can provide liability, uninsured/underinsured motorists, personal injury, medical payments, physical damage, hired and non-owned.

We will guide you through a policy, detailing all required state coverage and explaining the optional coverage that fits you best. We can even provide bonds for heavy and overweight vehicles.

Worker’s Compensation

New York requires that businesses carry worker’s compensation coverage, so why not make the most of it? We work with several companies and can help you get the best value for your money.

Worker’s compensation coverage protects employees by providing benefits for job-related injuries and illnesses. It helps protect you and your business by minimizing lawsuits relating to these injuries and illnesses. Specific coverages include rehabilitation benefits, death benefits, income benefits, and medical benefits.

Commercial Umbrella

Are your liability limits high enough? Even if you buy the maximum limits on your general liability policy you could still be short of coverage.

An umbrella policy provides protection above and beyond the general liability limits to protect you once they are exhausted. We have umbrella limits from $1 million and up, depending on your business class. Contact our closest office to discuss your needs.

Bonding

We can obtain bonds from several companies to help with your bonding needs.

Contact us today and let us help you protect what matters most.