Commercial Insurance

Anyone that owns a business needs a variety of insurance products for a variety of reasons. In order to find the best product at the best price, it is important to contact an "Independent" insurance agent such as the Toedt Insurance Agency, LLC. More importantly is to find a licensed agent within the agency that has commercial insurance experience and preferably is a CIC-Certified Insurance Counselor. Insurance Sherry of the Toedt Insurance Agency is a Certified Insurance Counselor and a member of the National Alliance of Insurance Education & Research and a member of the Independent Agents & Brokers of New York.

ELIGIBILITY
Each company has its own eligibility guidelines. If you are not eligible for one, chances are you are eligible for another.
-Number of years in business -Is it a new venture How much experience
-Have you operated without insurance -What is the financial condition
-What do you do -Do you use safety precautions

COMPULSORY INSURANCE
Insurance that is required by law.
-Motor vehicles for use on public roads
-Workers Compensation if you have employees
-Disability Insurance if you have employees
-Government entities sometimes require that you obtain permit bonds

REQUIRED INSURANCE
Insurance that is required by another entity
-Banks want buildings insured when they are the mortgagee
-Equipment leasing firms want insurance for equipment they lease to you
-General contractors and others that hire sub-contractors want evidence of liability insurances from you.
-Landlords many times require you to insure for premises liability and name them as additional insured owner of building premises.
-Those hiring contractors often require bid or payment bonds to insure the work will be done.

WHAT DO I NEED AND WHAT IS OUT THERE?
Only an experienced and qualified agent can truly help you put together all the insurance requirements and products to help properly protect you and your business. Below is listed a comprehensive list of commercial insurance products.

FOR FURTHER INFORMATION
CALL US AT: 518-438-8154

BUSINESS OWNERS POLICY (property & general liability package specially priced for many types of small to medium sized businesses, benefits include no co-insurance penalty, business income and other property coverages).

*PROPERTY POLICY*	*CONTRACTORS EQUIPMENT*	*CARGO INS*
*INSTALLATION POLICY*	*BUILDERS RISK POLICY*	*TOOLS/EQUIP*
*GENERAL LIABILTY*	*UMBRELLA LIABILITY*	*DISABILITY*
*WORKERS COMPENSATION*	*COMMERCIAL AUTO*	*TRUCKERS*
*GARAGE LIABILITY*	*GARAGE DEALERS PHYSICAL DAMAGE*
*GARAGE KEEPERS LIABILITY*	*POLLUTION LIABILITY*	*OCEAN MARINE*
*UNDERGROUND STORAGE POLICY*	*LIQUOR LIABILITY*
*EMPLOYEE BENEFITS LIABILITY*	*EMPLOYMENT PRACTICES LIABILITY*	*PROFESSIONAL LIABILITY*
*FLOOD INSURANCE*	*BUSINESS INCOME*

LET US HELP YOU DETERMINED EXACTLY WHAT YOU NEED AND FIND YOU THE RIGHT PRICE ASK FOR INSURANCE SHERRY: 518-438-8154

	*Toedt Insurance Agency LLC*	P.O. Box 11550 Loudonville, NY 12211 Phone:(518) 438-8154 Fax:(518) 459-2992
	*Protection - Savings - Service*	toedtinsuranceagency@nycap.rr.com