Commercial Insurance

Coverage for Your Business

JFA Insurance Brokerage & Associates, Inc. provides insurance for businesses nationally and is dedicated to the tri-state area including Bayside, Queens, New York City, Brooklyn, the Bronx, Philadelphia, PA, Newark, NJ and surrounding areas.

No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. JFA Insurance Brokerage & Associates, Inc. would like to return the favor by giving you the coverage you need to ensure the security of your business.

At JFA Insurance Brokerage & Associates, Inc., we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.

We offer the following options for your business assets: 

Commercial Property Insurance

Commercial Umbrella Insurance

Inland Marine Insurance

commercial general Liability

Commercial Auto Insurance

Professional Liability

business owners Policy (BOP)

Workers Compensation Insurance

Crime Insurance

Learn more about your coverage options

Owning a business means taking risks. At JFA Insurance Brokerage & Associates, Inc., we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.

The professional and knowledgeable bond specialists at JFA Insurance Brokerage & Associates, Inc. will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.

Our business solution services include:

  • Performance Bonds
  • Contractor’s Bonds
  • ERISA Bonds
  • Fiduciary Bonds
  • Sub-Division Bonds
  • Court Bonds
  • Conservator Bonds
  • Surety Bonds
  • Fidelity Bonds
  • Public Officials
  • Liquor Licenses

If you need a bond or license, contact a bond specialist at JFA Insurance Brokerage & Associates, Inc. today who can help you find the surety products that keep your business covered.

If you own one or more vehicles for business use -- perhaps a catering van or a landscaping truck -- chances are that they are critical to making sure your daily operations run smoothly.

Since a personal auto insurance policy won’t safeguard your vehicle in case of an accident, Commercial auto insurance is an absolute must. This form of insurance will cover you if an employee has an accident while driving a company vehicle and the victim sues, if an employee is injured in a vehicle and requires medical care, or if the auto ends up in the shop when you need to use it. Commercial vehicles covered under such a policy include cars, vans, trucks, trailers and more. We offer commercial auto insurance to clients in Bayside, New York, Philadelphia and surrounding communities.

 

Business Auto Insurance

Cover your wheels, employee and company alike with commercial auto insurance from JFA Insurance Brokerage & Associates, Inc.. We’ll tailor your policy to your business’ specifications and work with you to find the proper coverage for your needs. Common forms of commercial auto insurance include:

  • Auto liability
  • Collision coverage
  • Comprehensive coverage
  • Medical payments
  • Rental reimbursement
  • Roadside assistance
  • Towing
  • Uninsured/underinsured drivers

Here are some of the coverage options we offer to alarm contractors:

  • Liability coverage
  • Errors & omissions
  • Property insurance
  • And much more …

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At JFA Insurance Brokerage & Associates, Inc., we can help you create a policy that is designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Commercial General Liability from JFA Insurance Brokerage & Associates, Inc. can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from JFA Insurance Brokerage & Associates, Inc. include:

  • Premises Liability
  • Products and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Casualty Coverage

Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

 

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

  • Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
  • Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
  • Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverages, it is important to talk with a specialist at JFA Insurance Brokerage & Associates, Inc. about the best options for your business.

Every day you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That is why it is important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.

With a custom Property Insurance policy from JFA Insurance Brokerage & Associates, Inc., you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:

  • Your building
  • All interior items (desks, furniture, etc.)
  • Any outdoor signs on your property
  • On-site equipment
  • Your inventory

Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

 

Additional Business Protection

In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverages, contact JFA Insurance Brokerage & Associates, Inc. today.

As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.

With Commercial Umbrella Insurance from JFA Insurance Brokerage & Associates, Inc., you can protect your business and your assets in the event that your company gets sued in a major lawsuit.

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.

 

What Does Commercial Umbrella Insurance Cover?

Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:

  • Accidental falls or slips on your property
  • A carbon monoxide leak in your building
  • Libel, slander, or invasion of privacy
  • If one of your products causes injury or illness
  • If a fire in your building damages other property
  • Violations of Employment Practices Liability
  • If your business vehicle is involved in an accident

 

How Much Umbrella Coverage is Enough?

Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at JFA Insurance Brokerage & Associates, Inc., our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.

Protect your business personally and financially with a Commercial Umbrella policy from JFA Insurance Brokerage & Associates, Inc..

Unfortunately, crime and employee dishonesty can happen. As a business owner, sometimes it’s impossible to know whether the employees you hire are an honest fit for the job, and by the time you discover the truth, the damages can be costly.

At JFA Insurance Brokerage & Associates, Inc., we can help your business develop a plan that keeps your assets protected in the event of such a specific circumstance. With Crime Insurance, your policy can include coverage for various situations, such as:

  • Robbery or Burglary
  • Computer Fraud
  • Employee Dishonesty
  • Theft of Business Property
  • Forgery

Since there are limitations to your commercial crime policy, you should carefully discuss your options with JFA Insurance Brokerage & Associates, Inc. to find out what kind of insurance your business needs based on your current situation and potential risks.

Don’t lose important data or finances on the account of a dishonest employee’s actions. Keep your business secure with Crime Insurance from JFA Insurance Brokerage & Associates, Inc..

System breakdown, data breaches, and identity theft are all cyber-related risks that businesses in New York City and in communities throughout Southern New York face, and these and other risks can be costly.  For this reason, businesses need protection against cyber-related risks, and insurance provides necessary protection.  At JFA Insurance Brokerage & Associates, Inc. we have a comprehensive cyber liability insurance program, which we customize for individual clients.

We’ll help you create a cyber liability insurance policy or plan that fully protects your business against data loss theft and data breaches.  Also, we’ll help you comply with applicable laws and regulationis.

 

Cyber Liability Insurance Coverage Details

Cyber liability insurance covers the costs of notification, identity protection solutions, public relations, legal, and liability.  It also mitigates the risks of civil litigation.  Cyber liability is challenging, and it requires a holistic and multi-faceted approach, which we take.  We’ll help you respond quickly if and when a data breach occurs; we’ll help you remain legally compliant; we’ll help you prepare for data breaches; and we’ll also help you with network security, employee training, developing privacy and network policies and procedures, identifying and managing company assets, and incident response planning. 

We offer 24/7 access to data breach preparedness information, which outlines steps that businesses can take in order to prevent cyber events.  Also, we help businesses manage cyber-related risk and we help businesses take action if and when cyber events occur.

We’ll help you take adequate measures so that networks, records, and systems are protected, and also in the event of a lawsuit, we’ll cover legal defense and liability expenses.

Cyber liability policies and plans can be purchased as parts of business owners policies (BOPs) and general liability policies.  They can also be purchased as standalone policies.  We’ll help you discover which kind of policy is right for you, and also we’ll create this policy for you.  Regardless of the policy or plan that you purchase, we’ll tailor this policy or plan to your specific data privacy and network security insurance needs.

 

Attuned, Experienced Agents Protecting you and your business

We thoroughly assess clients’ needs through in-depth consultations, on-site inspections, and risk analyses.  Once we know and understand clients’ needs, we identify the right coverages.  At the points that the right coverages are identified, we create the best possible solutions. 

We regularly and closely monitor policies and plans that we write, and this ensures that coverages are always current and also that clients’ rates are always competitive.  We include clients in monitoring processes, and this enables the clients to not only understand their purchases but also be aware of needs for changes to coverages.  .

As a business owner, even if you take every precaution possible to ensure the security of your business assets, theft and dishonesty can still happen. Without the right coverage, businesses can lose important data or experience major financial losses as a result of fraudulent activity.

A Fidelity Bond from JFA Insurance Brokerage & Associates, Inc. can indemnify your company in the event of theft. Our coverage options range from the protection of businesses to the security of non-profit and professional organizations. With the right Fidelity Bond, you can cover your assets, including money, personal belongings, computer equipment, supplies, and more. Your business or organization can also cover any employees or volunteers.

Fidelity Bond options from JFA Insurance Brokerage & Associates, Inc. include:

ERISA Bonds - for covering any claims that involve a violation of the Employee Retirement Income Security Act (ERISA). This includes situations that range from imprudent investments to failure to enroll employees.

Employee Dishonesty Bonds - that cover fraudulent acts committed by employees on the property of your business, including theft and other violations.

Business Service Bonds - that protect against theft of a client’s or customer’s property on their premises as a result of your employee’s careless actions.

While there are other options available, it is important to discuss the needs pertaining to your business with a licensed professional. At JFA Insurance Brokerage & Associates, Inc., we can provide you with the proper protection to keep your assets secure.

JFA Insurance Brokerage & Associates, Inc. provides loss prevention services to businesses in Bayside, New York, Philadelphia, Queens, Clifton, Brooklyn, and surrounding areas.

 

Risk management and loss prevention are crucial when it comes to running a business. Not only is it necessary for you to provide a safe work environment for your employees, it is also important to be prepared in the event an accident occurs in the workplace.

Keep your business risks to a minimum with loss control coverage from JFA Insurance Brokerage & Associates, Inc.. We provide a number of loss control services, including but not limited to:

  • Safety program development
  • Safety training
  • Customized loss prevention materials and risk management services
  • And much more … 

Industry-Specific Services

JFA Insurance Brokerage & Associates, Inc. has your business covered; from healthcare practices to technology services, we provide industry- specific services to match your business’ needs. Our consultants are reliable and efficient in controlling and preventing the inherent risks that come with running a business.

JFA Insurance Brokerage & Associates, Inc. representatives are here to help ensure that your business runs smoothly. Contact us today to set up a consultation. 

Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it is important to keep your investments protected. With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.

At JFA Insurance Brokerage & Associates, Inc., we are dedicated to providing the coverage your business needs for the asset protection it deserves. Our Inland Marine policy insures that when your business is on the move, we will protect certain items, such as:

  • Transported Property
  • Computer Equipment and Data
  • Contractor’s Tools
  • Artwork
  • Buildings Under Construction

 

No matter what business you are in, an accident can happen at any time. That is why it is important to have an Inland Marine policy from JFA Insurance Brokerage & Associates, Inc. to provide your business with the appropriate coverage it needs during transit.

Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’ goods or equipment when transported by ocean and air, also known as Ocean Marine.

Contact an Inland Marine specialist at JFA Insurance Brokerage & Associates, Inc. today to find out how your business can insure its most valuable assets while working or traveling off-site.

Marine insurance is meant to provide both inland and ocean marine coverage. When your business transports property, you want that cargo to be covered every step of the way. Marine coverage provides protection throughout the entire transport. JFA Insurance Brokerage & Associates, Inc. proudly provides businesses of all sizes with the protection they need to run smoothly.

Our marine insurance options include, but are not limited to:

  • Property insurance
  • Loss control services
  • General liability
  • Umbrella coverage

Contact a representative at JFA Insurance Brokerage & Associates, Inc. to set up a consultation.

Protecting Technology Companies In Bayside And The East Coast Against Risk

Whether it’s a glitch in software that causes the loss of a month’s worth of billing data or cloud-based data services that fail to back up critical data that cannot be recreated, the risks that technology companies face are many.  These risks can result in lawsuits, which can be costly, and for this reason technology companies need protection.  Insurance provides necessary protection, and at JFA Insurance Brokerage & Associates, Inc. we have comprehensive technology company professional liability insurance options.

We work with A-rated carriers in order to provide the best possible technology company professional liability insurance. We’ve insured technology companies for years and we know technology industries, and for this reason we’ll ensure that you have the insurance that you need.  We’re dedicated to the clients we serve, and understand your needs, which enable us to provide you with superior coverage at competitive premiums.

Technology Company Professional Liability Insurance Coverage Details

Professional liability insurance is an essential part of any technology company’s insurance policy, plan, or package.  It covers two basic risks: the financial loss of a third party that arises from the failure of a technology company’s product to perform adequately and the financial loss of a third party that results from an act, error, or omission in the course of a technology company’s performance.  In most cases, a commercial general liability (CGL) policy does not cover these risks, and for this reason almost all technology companies need professional liability insurance. 

There are many coverages that can be selected for a technology company professional liability insurance policy, plan, or package, and we’ll help you select the coverages that are right for you.  We’ll also ensure that the solution that you purchase is fitting.

The coverages from which you can choose include but are not limited to:

  • Breach of warranty or representation coverage with no contractual liability exclusions
  • Security coverage
  • First party data privacy and cyber extortion expense coverage
  • Intellectual property
  • Personal injury

Working with our specialist, you may be eligible for additional benefits. To learn about these benefits, speak with an agent.

Experienced, Skilled Agents Keeping you and your technology Company secure

We take a hands-on and detailed approach to serving clients, and this means that we not only thoroughly assess clients’ needs through one-on-one consultations but also educate clients about the coverages that the clients purchase.  After assessing clients’ needs we identify the right coverages, and once the right coverages are identified, we create the best possible solutions. 

We review policies and plans before renewals, and we explain coverages to clients in ways that enable the clients to fully understand the insurance that they purchase.  For these reasons, coverages are always current and clients can make the best possible decisions regarding their insurance.

Your primary goal as a business owner is to ensure that your operations run smoothly and efficiently on a daily basis. But in special circumstances, the performance of your business may require extra attention that assures an obligee that you, the principal, are performing as promised.

At JFA Insurance Brokerage & Associates, Inc., we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.

 

JFA Insurance Brokerage & Associates, Inc. can write a variety of Surety Bonds including:

  • Performance and Payment Bonds
  • Contractor Bonds
  • Sub-Division Bonds
  • Court Bonds
  • Conservator Bonds
  • Fidelity Bonds
  • Public Officials
  • Liquor Licenses

Since there are many types of Surety products, it is important to discuss your options with a licensed, professional bond agent. Our underwriting services are flexible to meet your unique business needs, and we specialize in a high-degree of customer care that will ensure maximum consideration for your assets.

Contact a Bond specialist at JFA Insurance Brokerage & Associates, Inc. today to keep your commercial responsibilities protected.

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