How Commercial Insurance Can Protect Your Business Investment

Business owners around the Stony Point, NY area spend time and money to ensure their investment brings healthy returns. It is important to remember to not forget to protect your investments with quality commercial insurance. Acquiring commercial insurance from Hudson Valley Insurance Brokerage, Inc. is one of the first actions you need to take to protect your business from the effects of a covered event.

Don’t Lose Out

When a covered event occurs, commercial insurance will help you recover your losses and get back to normal. Without this necessary protection, you stand to lose significantly. When you purchase a policy, it covers a variety of items including any office equipment on the premises, as well as valuable items such as electronics, furniture, appliances, and more. To get the right amount of coverage, you must first do inventory on all of your business’s possessions. 

How Much Insurance Do You Need?

When calculating the amount of coverage you need to purchase, you should take the total dollar amount from your business inventory, and round up to the next available coverage amount. Before deciding on a figure, it is important to make sure that you haven’t overlooked any items and have calculated their value appropriately. In some cases, you can choose to purchase insurance that covers the replacement cost of the items, or you can choose to cover the cash value which calculates depreciation. Talk to your insurance provider to find out what types of policies they offer and which one is right for your needs.

When you need to protect your commercial investment, you need insurance that will cover the products and equipment necessary for you to operate on a day to day basis. When you need reliable insurance, check out Hudson Valley Insurance Brokerage, Inc. in Stony Point, NY. Call or stop by today to speak with a knowledgeable representative that can help get you started.

 

 

 

How to ensure your home is safe from various risks

When it comes to protecting your home, nothing should stop you. Your home is a place where you go when you feel stressed or after a long day of work. It is also where you create and share memories with your loved ones. On top of that, it is where you store your items such as furniture, electronics, clothes, and shoes among more. So, if you do not protect it, you stand to lose everything you have worked for.

But how do you protect this home? You protect it by taking a home insurance policy. Luckily, if you are in Stony Point, NY, Hudson Valley Insurance Brokerage, Inc. is here to guide you. We provide you with a home insurance policy that is dependent on your needs. What do we mean by that?

Unlike other Insurance companies, we are concerned about your needs. Therefore, we take time to listen to you before advising you on the best policy. We understand that your needs might be different from another person’s needs and that is why we have several experienced employees to guide you through all our policies.

Here is a list of some of our best home insurance coverage options:

Personal Property Coverage

As established earlier, your home is where you store or keep your personal property. Therefore, we at Hudson Valley Insurance Brokerage, Inc. provide you with a policy to protect all your items in the case of a disaster such as fire, theft, hurricane, or various weather events.

Liability Coverage

As long as your friends or neighbors visit your home, the court holds you liable if someone gets injured. For example, if one falls on your stairs or slips on water, the court will require you to pay for all the damages. Also, if one gets injured by your pet, you will still be required to pay for the damages.

Those are some of our main coverage options, however; we also offer additional coverage options. So, if you are in Stony Point, NY, please feel free to visit our offices or call us for more information.