COMMERICAL GENERAL LIABILITY

Insurance which protects your business in the event you are sued due to some form of bodily injury (slip and fall) or property damage done to another’s property. The Commercial General Liability policy also provides legal representation during the course of litigation which can be very significant. Most commercial leases also require that you, as a tenant, must provide proof to your landlord that you satisfy the lease requirements often requiring the landlord to be listed as an "additional insured."

LIQUOR LIABILITY

Provides coverage for bodily injury or property damage done by an intoxicated person who was served at a bar, restaurant, tavern etc as a third-party coverage, the server (liquor license holder) can be subject to litigation and substantial settlement awards. Liquor Liability coverage provides coverage to protect the Liquor Liability holder.

COMMERCIAL PROPERTY

Coverage protects a business' physical assets from covered perils such as fire, extended coverage, vandalism, windstorm, vehicular damage, civil commotion, etc.

Other coverages that may be included under commercial property insurance:

• Business income which covers loss of income suffered by a business when damage to its premises (by a covered peril) causes a slowdown or suspension of its operations.
• Loss of rents coverage is beneficial to a building owner or tenant when a commercial building can no longer be rented due to physical damage to the building.

COMMERCIAL PACKAGES

The John Paterno Insurance Agency is presently offering an insurance program designed to provide comprehensive insurance coverage for those establishments engaged specifically in the food and liquor business. The program has been tailored to insure the unique risks associates with the bar, restaurant and tavern industries.

Our tavern or restaurant packages can include the following types of coverage on a "named peril" or "all risk" basis: fire, public and products liability, personal injury liability, liquor law legal liability, crime coverage, loss of earnings, and coverage for plate glass, awnings, neon signs, canopies, etc. Assault and battery coverage may be available with limits of up to $2 million. Comprehensive air conditioning and heating system protection. Non-auditable policies may be available for bars and restaurants.

Please contact our office to see if you qualify and inquire about the custom packages available.

EXCESS LIABILITY COVERAGE

Provides claims that exceeds the primary liability policy and provides coverage for catastrophic claims arising from the business. It also pays for the legal expenses incurred by providing legal representation incurred on behalf of the insured.

UMBRELLA POLICY

Provides coverage not only in excess of the primary liability policy but can also afford additional coverage over other policies such as Auto, workers compensation, Liquor Liability, etc.

LIQUOR BONDS

Contact our office to inquire about Excise Liquor Bonds.

WORKERS COMPENSATION

Available with private insurance companies or the State Insurance Fund. Discounts of up to 35% are available with the State Insurance Fund.

DISABILITY

New York State law requires you provide disability insurance to your employees. As a member of the association our $3.00 monthly rate (male or female) is the lowest in the state and underwritten by one of the largest DBL carriers in New York State - The Guardian Life Insurance Company.