Complete Business Insurance Packages

No matter what business you're in, one disaster can wipe out all your profits and destroy your life's work. The key to making sure that the effort and money you've invested in a business doesn't disappear when a disaster strikes is to protect it with the appropriate business insurance.

Piper Insurance Agency of Painted Post offers the Corning area business insurance policies that combine protection from all major property and liability risks in one package. We also sell business insurance coverage separately. One package purchased by small and mid-sized businesses is the business owner's policy (BOP). Larger companies might purchase a commercial insurance package policy or customize their policies to meet the special risks they face.

In addition to providing General Liability and Property Insurance, we offer Workers Compensation Insurance, NYS Short Term Disability Insurance, Commercial Auto Insurance, and Business Umbrella policies.

Remember, although it is likely that your businesses will never experience a disaster, insurance coverage beyond workers' comp insurance may be necessary in ensuring your business's assets are properly protected. A workers' compensation insurance quote will outline what coverage a policy will include. From there you can determine whether additional liability insurance is needed. Typically, liability insurance coverage includes:

• Legal costs - general liability insurance will cover litigation costs such as attorney and witness fees, as well as settlement payments.


• Medical costs - insurance will cover medical costs for individuals who may have been injured on company property, this includes employees as well as customers.


• Property damage - insurance will cover fire, theft or other incidents that damage the assets of the business. It insures the company from physical damage to the property as well as the customer's property.


• Business interruption - insurance will cover the business in cases of major disasters, such as a fire, that render the business inoperable. If the business is unable to operate, the insurance would reimburse the company for its losses and the profits that would have been made during that time.

We at the Piper Insurance Agency encourage our Corning area business neighbors to shop recognized, established insurance providers to find the best coverage for their needs and the best price for their budget. We represent several top rated insurance companies that can provide general liability and workers' compensation insurance quotes to help your business make the most of its insurance budget.