MJL Insurance Agency provides a full line of commercial coverages for a wide range of businesses, including (but not limited to):
Every organization faces potentially catastrophic risks for direct losses as well as claims by others. We will assist you in selecting the appropriate coverages for your organization.
Property and Liability coverage
While almost every organization has a policy providing basic protections, we can help you select the correct coverages and limits for your individual situation.
Directors & Officers liability
Whether your organization is a public company, private concern or non-profit, your directors and officers may be the target of a lawsuit by investors, employees and others. Both the individual and the company may be held liable for actions or decisions made in managing the organization.
Every type of organization has its own unique exposures, with widely varying requirements for coverages and policy limits needed to protect individual and company assets.
Employment practices liability
Lawsuits alleging discrimination, sexual harassment, retaliation, wrongful discharge and other violations are rising, and the size of settlements are growing rapidly. This in turn is attracting more plaintiffs' attorneys, exacerbating the problem. Coverage may be purchased as part of a Directors & Officers policy, or as standalone coverage.
Professional liability (errors and omissions)
The need for this coverage no longer only applies to physicians, attorneys and other professionals, but any organization or individual that provides a service. This includes such diverse occupations as contractors, real estate professionals, advertising agencies, computer consultants, publishers, staffing firms and landscapers. You and your company may be held liable for claims arising from negligent acts, errors and omissions in rendering or failing to render service.
Selecting the right benefit package is becoming increasingly important in retaining the best employees, and keeping them productive. The cost of health insurance and other employee benefits is growing rapidly. Weighing the cost and features of of the many HMO, PPO and traditional plans available is becoming more difficult and complex every day.
We can offer you a complete needs analysis, and help you determine the most appropriate policy for your organization.
As insurance specialists to restaurants and an active member of the New York State Restaurant Association, we can help you secure cost effective Property, Liability and Workers Comp coverages to address the specific needs of your business at a price that you can afford.