BUSINESS AUTO 
Whether your employees drive limousines, delivery vans, tractor-trailers or pick-up trucks, Warner & Foley can help you insure your company vehicles and the people who drive them.
Why purchase commercial auto insurance? First of all, it’s the law for vehicles owned by a business or for any vehicle over a specified weight. Commercial auto insurance generally features higher liability limits than personal auto insurance, and allows you to cover your employee-drivers on the policy. It can also cover special commercial risks, such as towing or hauling heavy equipment.
Warner & Foley’s expert agents can guide you through the complexities of getting all the coverage you need, and none of the coverage you don’t. And because we represent many top carriers, you are assured of options to choose from at a competitive price.
Contact us today to find out more.
BUSINESS OWNERS
Much like a homeowner’s policy, a Business Owners Policy (BOP) combines many kinds of coverage’s into a single package. It is simpler and more cost-effective than buying each policy separately. Warner & Foley can develop a customized Business Owners Policy. Depending on the nature of your business, it might include:
General liability
Commercial property
General disability
Loss of income
Computer equipment
Money and securities
Employee theft or dishonesty
Exterior sign coverage
Off-premises power
Lock replacements
Fixtures
Refrigerated products
Trees and plants
Contact us for a free analysis of your business insurance needs.
GENERAL LIABILITY 
No matter how carefully you operate your business, you could still be subject to claims and lawsuits. A Commercial General Liability (CGL) policy can protect you financially from potentially devastating losses. These policies typically cover:
- Personal injury
- Property damage
- False advertising
- Product liability
- Completed operations
At Warner & Foley, we recommend that all our business carry a general liability policy. Contact us for a free analysis of your commercial liability needs.
WORKERS COMPENSATION 
Workers compensation insurance covers work-related injury and illness, pays for medical care and physical rehabilitation of injured workers and replaces their lost wages while they’re unable to work. It is mandated by the State of New York for most businesses with full- or part-time employees, with some exceptions. Many workers compensation policies also include employers’ liability insurance, which protects your business if it is sued as part of an employee’s job-related injury or illness.Workers compensation rates are set by the State, based on a variety of factors, including workplace safety and prior claims history. Ask us for details about our workers compensation policies, and what you can do to reduce your workers comp costs.
OTHER PRODUCTS 
We also offer a range of specialty products for specific professions and industries, such as marine liability, cargo insurance, professional liability, errors and omissions, umbrella insurance and more. Ask us about coverage for the special risks involved in your industry or profession.
