Tompkins Insurance Agencies provide quality insurance products for your business with exceptional service and competitive pricing. We recognize your needs and boast experienced agents who are committed to providing you with the price, stability and service you are looking for. We work with large and small businesses across New York State, assessing insurance needs, risks and exposures, and providing options tailored for each business. We offer the following:
Commercial Property Insurance
Provides coverage for your business’ physical structure and its contents, including buildings, personal property such as inventory and furniture, equipment, computers, and cash. This type of coverage is designed to help a business owner avoid losses like reduction in value, extra cost to replace, cost of debris removal, business Interruption (loss of income), extra cost to operate, or loss of use value in betterments and improvements.
Commercial General Liability Insurance
Protects your business against claims and related expenses resulting from allegations of negligence. It provides coverage if an individual or another business claims your company or your employee was negligent and responsible for bodily injuries, property damage, financial loss, personal injury or advertising injury. Liability insurance can pay not only the covered damage amount, but also for your legal defense expenses. Examples of negligent acts could include a visitor slipping and falling on your premises; a competitor or customer suing for false advertising; or a former client suing for libel or slander.
Farm Owners Insurance
Tompkins Insurance Agencies recognizes the unique insurance needs of farm owners. Our agents will work with you to determine the best coverage for your farm, no matter the size. Let our advisors help you prepare for the unexpected so that you can rest assured that your farm is covered and protected from equipment breakdown, income loss, farm liability claims, property liability claims and more.
Equipment and Marine Insurance
Covers goods in transit and the vehicles of transportation on waterways, land, and air. If a business moves goods or equipment from one location to another, or has an off-premises exposure, the special protection of this coverage is appropriate. It can protect property at your location, in-transit, at a customer's location or property of others in your care.
Commercial Excess Liability Insurance
Provides additional business insurance coverage for your business for catastrophic losses covered under business liability policies. It is an additional layer of liability protection over the limits set by your commercial underlying policies, including general liability, auto liability and sometimes even professional liability.
Surety Bond
Provides for the fulfillment of an obligation in the event of default or debt, or in other words, guarantees to your client that the work your company agrees to do will get done as contracted. There are many types of surety bonds, varying by type of industry as well as what the client specifically requests be covered. As examples, some bonds ensure that the work will get done on time, as specified in your contract, while others ensure that your company will meet all government regulations on the project.
Specialty Programs Insurance
Risks and exposures vary so dramatically by industry that it is important to identify and address the potential problems in your particular line of work. The trusted advisors at Tompkins Insurance Agencies have experience and expertise in niches like municipality, fire department, school, agriculture, technology, and contractors insurance, and can advise on a customized program that fits your needs to a tee.
Click here to request more information on any of our Business Insurance services. Your trusted advisors at Tompkins Insurance Agencies can help you identify the risks in your particular business, and minimize your exposure to loss with the appropriate insurance products.