Bob the Builder

I'm always careful

If you're entering someone's house or place of business you're putting yourself at risk simply by being there.  A small  job can cause thousands of dollars worth of damage. Among other things, Liability insurance  takes care of legal fees.  Protecting  you from a loss that could put you out of business.

Types of business insurance

Property insurance -  covers your building, equipment or inventory.

General liability insurance / Business Owners policy - pays for your  defense if your service causes damage or harm. It can also cover medical bills to others.

Workers compensation - is required in NY if you have employees. It provides coverage for employees who are injured on the job.

Commercial auto insurance - depending on type of vehicle and if driven for business use.

Commercial Insurance Premiums Up in April

Teresa