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11 Ballston Avenue
Saratoga Springs, NY, 12866
United States


Small Business


Small Business

Small business owners can operate more confidently when they have secure protection.
Over the years we have designed insurance programs for a wide range of small businesses, organizations, and institutions.taking into consideration your need for quality insurance coverage with fast and accurate delivery.
We are fully automated and you and your customers will benefit from our online communication with our insurance companies. The result: we can quote, bind, and issue policies from our office and deliver the actual policy in just days. Identification cards, binders, certificates, most important endorsements take just minutes. Our customers are billed directly by the insurance company; multiple payment plans optimize cash flow.

Commercial accounts include municipalities, public and private schools, colleges, social service organizations, financial institutions, health care facilities, manufacturers, contractors, hotels, restaurants, fire districts and emergency squads, Hair dresser, Barber Shops, Store Fronts, Pet Stores and Pet Supplies, Electricians, Handymen, Painters, The List Goes on Please call if You don’t see your Professions Listed. 
As a locally run business, We understands the needs of small business owners.
Commercial coverage: Property liability Workers compensation
Business owner policy Commercial auto Loss of income policy

Workers’ Compensation Insurance
Coverage for injury, or illness sustained by an employee as a result of their employment, regardless of negligence on the part of the employee or employer. The policy will provide for payment of the injured employee’s medical expenses (without a dollar limit or time limit), provide funds for rehabilitation, and pay for lost wages. A workers’ compensation policy is mandatory in New York State if you have any employees.
Disability Insurance
All businesses operating in New York State with employees are required to carry this coverage.
The difference between this policy and a workers’ compensation policy is that disability provides coverage for an injury, or illness to an employee that is non-work related, but still makes it impossible for them to perform their job for an extended period of time. After a seven-day waiting period, the State of New York-Required Policy will pay a maximum of 50% of wages up to $170 per week for a maximum of 26 weeks. As an employer, you can elect to endorse the policy to provide higher limits if desired. Please contact us for further options that may be available to suit your business needs.

Auto Insurance Coverage is available to protect your business whether you have only one car that is registered in the business name, or a fleet of vehicles. There are many additional coverages included in a commercial auto policy that are not part of a personal auto policy. It is important to look at these features because they could be critical at a time of loss.