Treiber Agency Partners offers quality business insurance for all businesses. Running a small business involves a significant investment. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as, a lawsuit, a fire, burglary, or a natural disaster, an injury to an employee. If your business is an LLC or a corporation, your personal assets are protected from business liabilities; however, neither business structure is a substitute for liability insurance, which covers your business from losses. With over 40 years of experience we can help you get the best tailored insurance & photography business insurance for your needs. Contact us today!
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General Liability Insurance
Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against court judgments as the result of bodily injury, property damage, medical expenses, libel, slander, and the cost of defending lawsuits. Our general liability photography business insurance will cover you against claims, accidents or injuries at weddings, sports or baby photo shoots. America is a very litigious society and people sue all time for any reason and while a suit may frivolous it can take years and great expense to fight which is why you need General Liability Insurance.
Product Liability Insurance
Companies that manufacture, wholesale, distribute, and retail a product may be liable for its safety. Product liability insurance protects against financial loss as a result of a defect product that causes injury or bodily harm. The amount of insurance you should purchase depends on the products you sell or manufacture. With our photography business insurance in the event of damages to the set or studio equipment. The cover will secure no halt in income but will cover the damages.
Professional Liability Insurance
Business owners providing services should consider having professional liability insurance (also known as errors and omissions insurance). This type of liability coverage protects your business against malpractice, errors, and negligence in provision of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy.
Commercial Property Insurance
Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind, burglary and vandalism, among other perils. The definition of “property” is broad, and includes lost income, business interruption, buildings, computers, inventory, furniture, etc. Property insurance policies come in two basic forms: (1) special form policies covering a wide-range of incidents and perils except those excluded in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Special Form policies provide broader coverage than Peril Specific Polices.
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Commercial Automobile Liability
In some cases a self employed Artisan Contractor may be eligible to insure a van or pick up truck under a Personal Auto Policy. However for Contractor’s that incorporate and lease, own or register their vehicles under the business name a Commercial Auto Policy is necessary. A Commercial Auto Policy adds extra protection to the business owner when vehicles are operated by employes.
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Please click download button for your Commercial Auto Policy Proposal
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Excess Liability / Umbrella Liability
In many cases Sub Contractors and General Contractors are required to provide Liability Limits that are higher than the standard $1,000,000 Per Occurrence, $2,000,000 Aggregate limit provide under a Commercial General Liability Policy. Excess Liability would be used for a contractor that does not have any vehicles owned, leased, or registered to the business entity. For those contractors that own, lease and register vehicles to the business entity Umbrella Liability would also cover any bodily injury &/or property damage claims in excess of the Commercial Automobile Liability policy.
Proposal Download
Please click download button for your Excess / Umbrella Liability Proposal
Insurance
Workers Compensation
New York State requires Contractors to have a Workers Compensation Insurance Policy to cover their employee(s) whether “on the books” or “off the books.”
General Liability Insurance
Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against court judgments as the result of bodily injury, property damage, medical expenses, libel, slander, and the cost of defending lawsuits. Our general liability photography business insurance will cover you against claims, accidents or injuries at weddings, sports or baby photo shoots. America is a very litigious society and people sue all time for any reason and while a suit may frivolous it can take years and great expense to fight which is why you need General Liability Insurance.
Product Liability Insurance
Companies that manufacture, wholesale, distribute, and retail a product may be liable for its safety. Product liability insurance protects against financial loss as a result of a defect product that causes injury or bodily harm. The amount of insurance you should purchase depends on the products you sell or manufacture. With our photography business insurance in the event of damages to the set or studio equipment. The cover will secure no halt in income but will cover the damages.
Tools & Equipment
Some Contractor Insurance Policies provide limited coverage for Tools and Equipment. Many contractors with few, or inexpensive tools choose not to insure them. However large contractors with expensive and extensive tools and equipment will insure them against fire, theft, and water damage among other perils under Floater Policy.
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