Service Business Insurance through DRickard Insurance in Upstate New York

DRickard Insurance

607-843-8860

insurance@drickardinsurance.com

New York State

DRickard Insurance
"Your Favorite Insurance People"

DRickard Insurance

Your Favorite Insurance People

607-843-8860 insurance@drickardinsurance.com

Service Business Insurance

Service businesses are also often called repair businesses. They have some of the characteristics of both retail and contracting businesses. The uniqueness is that the vast majority of income comes from people bringing work and items to them to be repaired or customized.

Click for a list of types of service and repair businesses or special insurance products we offer.

Service businesses by their very nature have a special need for something called property of others coverage since the vast majority of the time you will be left items that need alteration, cleaning, or repair the do not belong to you. We have seen many standard business policies do not offer this important insurance coverage. Or, if they do, it is not enough protection when compared to the real risk of loss. Contact us at 607-843-8860 or insurance@drickardinsurance.com to size up your policy or to design a new one.

Another important coverage to have is called completed products and operations coverage. When you customize or repair something, your work is your product. Your product has a chance of causing bodily injury or property damage. Even if your product doesn't cause a problem, a disreputable person may sue you. Having this type of coverage helps to pay for the costs of legal defense.

As you can see a cookie cutter policy is not complete enough to cover the needs of the business. Here you will find a brief outline of insurance products and coverage you will want to consider for your business. Then contact us at 607-843-8860 or insurance@drickardinsurance.com for more details on how we can custom tailor insurance plans for your individual business needs. A complete insurance package for your sales, service, and repair business would include most of, if not all of these service insurance products:

Building Coverage

Replacement Coverage or Actual Cash Value, you decide what is best for you

Loss of Use

Extra Expenses keeping your business going while at a temporary location

Demolition (when you must tear down undamaged structure after loss)

Increased Cost to Rebuild (codes have changed)

And More

Property Coverage

Stock

Fixtures

Property of others including salesmen's samples and displays

Property At Other Locations

Property While Transported

And More

Liability Coverage

General Liability

Higher Limits

Completed Products and Operations Liability

Personal Injury Liability

Advertising Injury Liability

Cyber Liability

Umbrella Liability

And More

Crime Coverage

Bonds

Theft

Cyber Crime

Mysterious Disappearance

And More

Auto Coverage (this group may purchased separately from all of the others and, wow, our insurers have some great prices)

High Liability Limits

Private Passenger Autos

Trucks

Fleets

Replacement Autos

Hired Autos

Non-Owned Autos

Roadside Assistance and Towing

And More

Employee Coverage (each of these items may be purchase separately)

Workers Compensation

New York State Disability

Paid Family Leave

Employment Practices Liability

Employee Benefits

And More

For more details contact us 607-843-8860 insurance@drickardinsurance.com

This are a partial list of service and repair businesses that we at DRickard Insurance have found products for, click the business category for more information:

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