As daunting as personal insurance can be, understanding what business insurance you need and selecting the right plans requires even more expertise. Our licensed brokers have this expertise along with the knowledge, experience, and energy to ensure your business, employees, and assets are sufficiently protected.
Group Health Insurance
Group health insurance is important to the well being of your family, and can help ensure that your business is drawing top candidates in the job market. Prospective employees are increasingly aware of health coverage and make it a priority when selecting an employer. Give your business an edge by letting Ryan & Ryan handle your group health insurance.
Group Life Insurance
Adding group life insurance to your employees’ benefits package can be economical and easy. Whether you have two employees or 200, we can help design a life insurance program for your business whether you choose Basic Term Life Insurance or an enhanced plan.
Basic Term Life:
- Coverage from $10,000 to $500,000
- Supplemental Coverage available
- Waiver of Premium due to disability
- Easy Plan Conversion
- Accidental Death and Dismemberment
- Optional Dependent Coverage
Enhanced Life Insurance :
- Whole life and term insurance plans
- Coverage form $5,000 to $150,000
- Dependent Coverage Available
- Waiver of Premium benefit
- Portable Coverage owned by the employees
Property and Liability Insurance
We feature plans for small to mid-size companies involved in retail, office work, service, or manufacturing such as gift shops, specialty stores, bakeries, delis, coffee shops, barbershops and beauty salons, accounting and bookkeeping firms, and medical and dental offices.
Our plans are flexible and can be tailored to cover larger retail, wholesale, hospitality, service, habitational, institutional, contracting, manufacturing and processing risks. Examples include restaurants, hotels, golf courses, printers, churches, daycare centers, grocery stores, commercial contractors, machine shops and tool and die shops.
We can also meet the needs of commercial property owners including small to medium size apartment buildings, condominiums, leased offices and other properties, such as one and two family houses. Our Contractors program is designed for artisan trades people and residential construction contractors. We can even cover employee tools, contractors’ equipment, voluntary property damage, and installation and builders’ risk coverage.
Ryan & Ryan Insurance also provides special lines of commercial insurance including Business Catastrophe Liability, Employment Practices Liability, and Commercial and Contract Bonds.
Commercial Vehicle Insurance
Our business auto policy provides liability, collision and comprehensive coverage to meet your business needs. Whether you own retail, wholesale delivery, contractor or service industry vehicles, we can customize your policy to meet your specific needs.
We can also provide insurance for all aspects of auto sales and service with Erie's Garage Auto policy. This policy provides liability coverage for your work and physical damage coverage on your customers’ autos as well as your own. Eligible operations include auto repair garages, service stations, auto detailers, and auto dealerships.
Workers’ Compensation insurance provides coverage for employees injured in the workplace or in the course of their employment. It pays for medical bills and lost wages as required by state law. The policy also provides Employers’ Liability insurance for any related suits that are permitted under state law.
Ryan & Ryan also provides many services to help prevent and manage employee injury, including loss control resources, and onsite facility reviews from our many insurance providers.
New York State Disability Insurance provides temporary cash benefits for eligible wage earners when disabled by an OFF THE JOB illness or injury, and for disabilities arising from pregnancies. Employers with one or more employees are subject to the provisions of the New York State Disability Benefits Law, and may comply by purchasing an insurance policy or by applying for approval as a self-insurer. Ryan & Ryan Insurance can advise you on the best direction for your business.