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Route 9 PO Box 205 Visit our Real Estate Division at: www.realestateatrhinebeck.com |
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Insurance Products
Online Services
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About Us
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"The
initial and quantifiable portion of the loss is usually survivable, it is
the time that you are shut down that is often the demise of any strong
business." -
Addam
Rakow, CIC
All business should have
property coverage to protect what it owns and general liability to protect
itself from accusations of negligence.
By consulting a licensed insurance professional a business owner
can determine what protection if any is needed beyond these basics.
We find that many businesses require addition protection in the
areas of: Workers
Compensation
–
This
is a policy that provides coverage for employees that sustain an injury on
the job. Business
Automobile
–
This is just what it sounds
like. It is an auto policy
where the vehicle is used in the course of business.
It can be provided for both owned and non-owned vehicles. Loss
of Income
– This too is just what it
sounds like, it is a coverage designed to replace the verifiable stream of revenue a
business lost as a result of a covered loss. Equipment
Breakdown
–
This coverage is designed
to protect the vital systems that your business needs to operate.
Here are a few examples heat, air conditioning, phones, computers,
elevator and many others. Commercial
Umbrella
–
This policy is a very cost
effective way to purchase higher limits of
liability protection that will cover most all of the exposures that a
business may have. An in depth discussion with a licensed insurance professional like Fraleigh and Rakow is the best way to determine the most appropriate package and coverage for you business. Once a complete program is developed and agreed to the insurance should be marketed to several quality companies to arrive at the best combination of coverage and premium. Come in or call or email Fraleigh and Rakow for further education on the intricacies of your insurance plan and more importantly your needs.
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