For a no-obligation consultation on business, group health, homeowners, automobile, life, yacht, or insurance,
call 914-381-2040
and speak with
an experienced
A.J. Benet professional or email info@AJBenet.com

A.J.Benet Home Page > Business Insurance > Commercial Insurance Policies

Business Owners/Package Insurance

Businesses are exposed to significant risk, whether it's property damage, error and omissions, product problems, warrantee disputes and so on. Such diversity of risks would require a host of specialized insurance policies; however, A.J. Benet offers a Packaged Business Policy, designed for your particular enterprise that will cover risks associated with your business. We’ll help you to identify exposures and how best to manage them through insurance. 

Umbrella Liability Insurance

Given the excessive monetary judgments in our highly litigious society, it’s wise to carry an umbrella policy in conjunction with your standard policies. As a business owner, it is important to protect your assets, both personal and business. An Umbrella policy provides broad coverage (umbrella) over and above what your standard policy provides, usually for $1million or more in liability. It fills in the gaps that might exist in your standard policy. A.J. Benet will evaluate your needs relative to your standard policy and make the appropriate recommendations. 

Workers’ Compensation Insurance

If an employee is hurt on the job, the medical care usually falls under Workers’ Compensation. It provides an economic safety net for employees, providing medical care for any injury and monetary payment to compensate for the resulting temporary disability. It’s important to note that plans differ by jurisdictions and that it is administered on a state-by-state basis. A.J. Benet is familiar with New York’s regulations and its carriers and will advise you on your options. 

New York State requires employers of one or more employees to carry disability insurance for their workers. It is a state-mandated disability insurance program (DBL) designed to provide employees with some level of income replacement in case of disability caused off the job. Even though it is mandatory, the employer still has choices and A.J. Benet can help you make the right decisions. Rates vary from one insurance carrier to another. Who is eligible? When are they eligible? And what is the benefit? Some requirements change if you have more than fifty employees. 
A.J. Benet will help you sort through your options for a cost-effective DBL program.

For a no-obligation consultation on business, group health insurance, homeowners, automobile, yacht, or life, call 914-381-2040 and speak with an experienced A.J. Benet professional or email: info@AJBenet.com.

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A. J. Benet, Inc. • 430 Center Avenue • Mamaroneck, NY 10543 • Customer Service: 914-381-2040 • Sales: 914-381-0177 • Fax: 914-381-5089

Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states.
For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.

©2012 A.J. Benet, Inc. Insurance