Bryant Asset Protection

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Clients Speak:

We are extremely pleased with the excellent level of service that Bryant Asset has provided us over the years. The entire staff at Bryant Asset has always been very helpful, responsive, and personable, but never pushy. We would highly recommend Bryant Asset to anyone looking for professional service with a personal touch. -Beth N.

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Bryant Asset Protection
PO Box 219
1280 New Scotland Road
Slingerlands NY 12159

Ph: (518) 439-1141
Fx: (518) 475-0030

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Business Insurance

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The main factor in the success of your business, regardless of its size, is all the hard work that you and your employees put into it. However, events outside your control do happen, and that's why it's important to have good insurance coverage. With the peace of mind that comes with knowing you have the right policies, you can get back to what you do best, and make sure that your business goes from strength to strength in the years to come.

Bryant Asset Protection is here to help you. We encourage you to make an appointment for a face-to-face consultation regarding your needs, but we can also work with you through email, fax or phone, as you prefer. From the coverage you want for your own protection, to coverage that is required by law, we can assist you in selecting and buying your policies, and even set you up with a monthly payment plan, if desired.

What needs to be covered?

Certain types of coverage are required by law:

• Workers Compensation, if you have employees, provides coverage for injuries they sustain while working.
• Statutory Disability, also required if you have employees, provides for income to be paid to them if they become injured or sick while away from work, and are unable to return to their job.
• Business Automobile provides protection from liability or physical damage to vehicles your business owns and operates.

In addition, there are many ways in which your business may be exposed to risks:

• Property coverage protects buildings and contents owned by your business, so that, if, for example, there was a fire in your building, you would have money to repair or replace the buildings and equipment that were lost.
• Business Interruption coverage makes up for lost profits in certain circumstances when you're forced to close, or in some cases, helps you cover the cost of continuing to pay your employees, and the additional expense of operating from an alternative location.
• Liability covers your business‘s legal responsibility for physical harm caused to others or their property through the inadvertent action of your employees, or a defect in the product or service that you sold. Many businesses should also consider cyber insurance, which is an extension of liability coverage for specific instances involving computers and data.
• Errors and Omissions, sometimes called Professional Liability or Malpractice insurance, may also be needed by some businesses. This covers a business which trades on its knowledge of a particular service, and fails to use the degree of skill expected when performing that service. Obvious examples of those needing this protection are doctors and lawyers, but it also applies to other professionals, such as software engineers, mechanical engineers, consultants, architects, or even advertising agencies.

Policy types

There are many different kinds of policy available. For small-to-medium sized business, the most common type is a Business Owners Policy, which typically (but not always) is a combination of Property, Business Interruption, and Liability into one package. This can often be more cost-effective than buying each individual coverage separately, but may not work for larger businesses, or those with more unique requirements. In those cases, we can assist you in buying customized coverage to fit your needs.

In-home businesses

Many people don't realize that their homeowners insurance specifically excludes coverage for a business conducted out of their home. Don't assume that your business is covered – it could cost you. Bryant Asset Protection has access to policies specifically created to cover businesses in these circumstances.

Employee benefits

At Bryant Asset, we can also help you with offering benefits to your employees, from long term disability coverage to group health and life insurance. In addition, our financial services partner organization handles 401(k) and pension plans. Certain businesses may also be eligible to offer their employees group discounts on homeowners and automobile insurance through the Benefits Plus program.

Quotes

Business insurance can be complex, but we're here to advise you. Just fill out our convenient quote form below, and someone from our Commercial Lines department will get in contact to help put together insurance to fit the needs of your business.

Business Quote Form

Business Information

Business:

Contact:

Address:

City:

State: Zip:

Phone:

Fax:

Email:

Business Type

Estimated Sales

Number of Employees

Any comments and/or questions?

Types of insurance needed:

Property
General Liability
Business Interruption
Errors & Omissions
Business Automobile
Workers Compensation
Statutory Disability
In-Home Business
Group Health and/or Life
Benefits Plus
Other:

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