Business + Commercial Insurance

We offer customized business and commercial insurance including general liability, workers' compensation, commercial auto insurance and much more. Certain coverages are available by themselves, but we also offer full business owners policies (BOPs) with a wide variety of options.

Or contact us directly

Muñoz + Muñoz
+1 (914) 337 6353
info@munozins.com

 
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General liability insurance

General liability insurance, or GL, is a fundamental part of insurance. It could provide protection against lawsuits and other financial liabilities that result from things like accidents or other mishaps. GL is often bundled with a variety of other coverages in a BOP.

Property Insurance

Property Insurance provides payments when the physical assets owned or leased by the organization are lost, damaged or destroyed by a covered cause of loss. It also can cover any associated loss of income and extra expenses caused by such damage. Property insurance is particularly important as damaged physical assets can put a serious drain on the finances of your organization. While a general liability coverage can go a long way, specific property insurance is important as well.

Workers' compensation insurance

Workers' compensation insurance could help cover the medical costs and a portion of lost wages for an employee who becomes ill or injured during work.  Workers’ Compensation is one of the few types of Property & Casualty coverage required by law. We ensure the maximum credits available to our clients looking for Workers’ Compensation. Finding comprehensive worker’s comp can be difficult but with our years of experience and expertise we can manage your needs.

Directors + Officers

Directors and Officers liability insurance is the principal source of coverage for claims relating to management, governance, and oversight of the organization. No matter what your organization does Directors and Officers insurance is a vital protection of your good work.

insurance for vehicles

Unlike a personal auto insurance plan, commercial coverage is designed for the needs of businesses that have several drivers and multiple cars. It works around the possibility that every employee within the company will drive the vehicles, so the liability protection is usually greater than the amount provided under a personal plan.

According to the American Association of Motor Vehicle Administrators, commercial companies do not register vehicles in the same way as a personal vehicle, so the information provided to obtain a quote is different. A commercial company can have as many as several hundred possible drivers, all of whom are insured under the policy. The result of that difference is that an insurance provider may not be able to match the VIN on the vehicle to the state database, so other measures are necessary to provide appropriate coverage.

The other difference between commercial and personal coverage is the number of drivers. A business may need coverage for 10 or 15 drivers, even if they only drive occasionally. The rates are much higher as a result of the number of primary drivers.

We also offer an extensive line of trailer insurance for whatever you’re hauling. View all the types of commercial trailers we insure.

Fidelity Bonds

Fidelity Bonds help safeguard business assets from fraud and theft . These fidelity bond options are ideal for small and midsize businesses:

  • ERISA Fidelity Bonds to help meet federal statutory compliance obligation for retirement plan assets
  • CrimeSHIELD® Advanced Policy which helps cover losses resulting from employee theft, employee theft-client premises, forgery, theft or disappearance or destruction, robbery, safe burglary, and computer and funds transfer fraud.
  • Business Service Bond helps protect against loss from employee theft while performing services for others


The right insurance for your business is waiting.

Get in touch today to receive a personalized assessment and quote.