Commercial Insurance

MJL Insurance Agency provides a full line of commercial coverages for a wide range of businesses, including (but not limited to): 

• Contractors
• Restaurants
• Commercial Buildings
• Mixed Use Buildings (habitational/business)
• Retail
• Pharmacies 
• Garages & Towing
• Service Industries
• Pool Servicing Companies
• Manufacturing  
• Wholesale/Distributors  
• Transportation  

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. 

Employee benefits 

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. 

Restaurants 

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.