Commercial Insurance

Our commercial insurance services offer comprehensive coverage options, including Commercial General Liability, Commercial Auto, and Workers Compensation, designed to protect your business from various risks. These insurances safeguard against property damage, legal liabilities, and employee injuries, ensuring your business operations remain uninterrupted. With our expert guidance, you can tailor coverage to fit your specific needs, providing peace of mind and financial security. Partnering with us ensures you receive personalized service and the best policy options to support and protect your business.

POLICY SERVICE

commercial INSURANCE

General Liability

Disability/Paid Family Leave

Workers Compensation

Provides coverage for businesses against claims of bodily injury, property damage, and personal injury arising from business operations, products, or services

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Workers Compensation

Disability/Paid Family Leave

Workers Compensation

Offers medical and wage benefits to employees who are injured or become ill due to their job, protecting employers from lawsuits by injured workers

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Disability/Paid Family Leave

Provides employees financial support during times when you they are unable to work due to illness, injury, or family caregiving responsibilities, ensuring income continuity during challenging periods.

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Professional Liability

Disability/Paid Family Leave

Protect your loved ones' future. ISLA INSURANCE offers life insurance policies that provide financial security in case of an unexpected event.

Commercial Property

Professional Liability

Commercial Property

Protect your business from unexpected events. ISLA INSURANCE offers customized insurance solutions to cover your business against risks and liabilities.

Commercial Auto

Professional Liability

Commercial Property

Extends the coverage limits of existing liability policies, providing additional protection against significant claims or lawsuits that exceed primary policy limits

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Umbrella/Excess Liability

Extends the coverage limits of existing liability policies, providing additional protection against significant claims or lawsuits that exceed primary policy limits

Liquor Liability

Umbrella/Excess Liability

Provides coverage for businesses serving or selling alcohol, protecting against claims of injury or damage caused by intoxicated patrons.

& More!

Umbrella/Excess Liability

& More!

We offer a wide range of other commercial insurance policies tailored to meet the unique needs of each client.

Frequently Asked Questions

Please reach us at benny@nochoque.com if you cannot find an answer to your question.

Is commercial general liability insurance mandatory for my business?

While it’s not legally required in all cases, many clients and contracts will require you to have it. It’s also a crucial protection against potential lawsuits.

What is not covered under commercial general liability insurance?

It typically doesn’t cover professional errors, employee injuries, or damage to your own property. Separate policies, such as professional liability, workers compensation, and property insurance, cover these areas.

How do I add additional insureds to my commercial general liability policy?

Contact us to add additional insureds, such as clients or partners, to your policy. We’ll guide you through the process and explain any additional costs or implications.

Is workers compensation insurance required for my business?

Most states, including New York, require businesses with employees to carry workers compensation insurance.

How are workers compensation premiums calculated?

Premiums are based on factors such as payroll size, job classifications, and the business’s claims history. High-risk industries typically have higher premiums.

Commercial Insurance