Commercial (Business) Insurance

The key to Northern Insuring Agency, Inc.'s disciplined approach is having highly qualified professionals lead you through a time proven process. We work with our clients to know their company and industry intimately.
The result? Intelligent, individually tailored solutions -
and the well written policies you are thankful for when a claim needs to be filed.

Have an insurance question? We can help!
We enjoy helping customers with their insurance questions, call us today for more information at 800.807.6542

Please be advised, some products and services may not be available in your area.

Risk Management

Identify: ‘In this vital step we review your current risk management strategy and compare that to your industry’s standard risk management practices.’

Analyze: ‘This step includes an analysis of how your risk management strategy will affect both the financial and work performance of your organization.’

Control: ‘Here we work with you to develop a detailed risk management plan that dives into the details of what techniques your organization will implement.’

Finance: ‘We understand your bottom line matters to you. That’s why we work with you to develop a risk management strategy that works within your organization’s budget.’

Implement & Monitor: ‘Now it’s time to put your plan into action. Once your new risk management strategy has been communicated to your employees it is time to continually monitor its effectiveness to confirm its success.’

Business Auto Insurance

Commercial Auto is similar to personal auto coverage but is intended for vehicles used in the course of business.

For example, an employee is making a delivery in a company owned vehicle, backs up and dents another vehicle in a parking lot. The property damage portion of the policy would pay for the damages to the other vehicle.

Commercial General Liability

Liability coverage covers what you could be obligated to pay due to bodily injury or property damage to others.

If you do not own your building, your landlord may require being added as an additional insured on the policy in order to protect his or her interests. Liability covers the premises and operations of the insured, as well as products and completed operations.

Northern Insuring can help write Liability policies for:

  • Commercial General
  • Professional
  • Fiduciary
  • Umbrella/Excess
  • Cyber
  • Pollution
  • Directors and Officers
  • Employment Practices
  • Public Officials
  • School Board Legal
  • International
  • Errors & Omissions

Commercial Property Insurance

Property insurance covers the buildings, contents and business income/extra expenses of your business. Depending on your needs, you may also want to consider coverage for outdoor signs, glass, crime, or property of others, etc.

Give your business the protection it deserves.

In addition, Northern Insuring Agency can help you write a policy for:

  • Machinery and Equipment
  • Inland Marine
  • Ocean Cargo
  • Motor Truck Cargo
  • Electronic Equipment

Crime Insurance

The two most common types of crime coverage are Employee Dishonesty and Theft, Disappearance & Destruction.

Dishonesty coverage is reimbursement for financial loss as a result of any dishonest or fraudulent act by an employee involving embezzlement of money or property, including inventory, owned by you.

Theft, Disappearance & Destruction coverage is reimbursement for loss of money and securities not caused by an employee.

Crime insurance options include:

  • Employee Dishonesty
  • Bonds

Landlord's Insurance

Landlord's insurance is a policy to protect you as a property owner from financial losses connected with your rental properties.

The coverage is on the building itself, with an option to cover contents. It could also cover loss of rent income in the event of fire, lightning, explosion, theft, or malicious damage. In the event of a loss, Landlord’s Insurance may also enable you to repair or replace, or get actual cash value for your building, depending on its age. In addition to the property coverage, the liability portion of your Landlord’s insurance provides protection against occurrences such as those related to trip and fall hazards.

New York State Disability Insurance

New York State mandates employers provide disability coverage to their employees for off the job injury or illness or for disability related to pregnancy.

Employers are required to provide for payment of weekly cash benefits to replace, in part, lost wages as a result of qualifying circumstances.

New York State Disability Insurance includes Statutory.

Workers' Compensation Insurance

Workers' Compensation protects your employees if they suffer job-related injuries.

The Workers' Compensation Board is a state agency that processes the claims and determines, through judicial proceeding, whether a worker will receive benefits and/or medical care, and how much they will receive. Weekly cash benefits and medical care are paid by the employer's insurance carrier, as directed by the Workers' Compensation Board.

Types of Workers' Compensation insurance include:

  • Statutory
  • Self-Insured
  • Excess
  • Volunteer Firefighters

Experience Modification Review:
Our Experience Modification Review (or Experience Modification Factor Review) is designed to validate the individual factors used to calculate your Workers' Compensation premium modifier. This service is an independent review of your experience modification factor.

Three Locations to Better Serve You

Monday - Thursday 8:00 am - 4:30 pm, Friday 8:00 am - 12:00 pm
Plattsburgh Office

171 Margaret Street
Plattsburgh, New York 12901
Phone: (518) 561-7000

Glens Falls Office

136 Glen Street
Glens Falls, New York 12801
Phone: (518) 499-0444

Potsdam Office

69 Market Street
Potsdam, New York 13676
Phone: (315) 769-2404