Small Business

Have a business idea, but not sure how to go about getting insurance? Are you considering starting a business?

Or are you looking for small business insurance? Gaetani Insurance specializes in small business insurance for used car dealers, auto repair shops, apartment houses, restaurants, salons, contractors and many small business types.

We know how much thought, time and investment it takes to get a business off the ground. Here at Gaetani we are ready to provide the proper insurance protection so your business has the right environment to recover in case a disaster strikes.

In general, you will need to purchase at least the following four types of insurance:

  • Property insurance compensates you if the property you use in your business is lost or damaged by common perils such as fire or theft. Property insurance covers not just a building or structure but also what insurers call business personal property.
  • Liability insurance protects you in the event that someone claims that your business caused him or her harm. Your liability insurance pays damages to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits, as well as legal fees. It also covers the medical bills of any people injured by your business.
  • Business vehicle insurance provides coverage for autos owned by a business. The insurance pays any costs to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits. Depending on what kind of coverage you buy, the insurance may pay to repair or replace your vehicle because of damage resulting from accidents, theft, flooding and other events.
  • Workers compensation insurance or workers comp, as this coverage is generally called, pays for medical care and replaces a portion of lost wages for an employee who is injured in the course of employment, regardless of who was at fault for the injury.

Read some of our testimonials from local business owners in the Greater Binghamton area of New York and see what they have to say about the personalized services of Gaetani Insurance.

Call Gaetani Insurance at 607.724.3536 or contact us through the website to talk with an agent about your small business insurance needs.

Get insured and let your business idea start making you money.

"I have dealer insurance with you – I saved hundreds from my last agent. Prompt service – friendly service people. Gaetani Insurance is a pleasure to deal with." ~ Doug Oakley, Harpursville, NY
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Joseph P. Gaetani Insurance Agency
227 Robinson Street
Binghamton NY 13904

Office Hours: Monday-Friday 8:30am - 3:30pm

(607) 724-3536

 

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