Commercial insurance protects you and your business from potential losses that may result from unforeseen circumstances. All types of unfortunate events can result in work interruptions. On-the-job injuries affect your valued workforce; fire damage can bring operations at your brick and mortar facilities to a halt. Bottom line is, when work stops, revenue is affected.
You can’t launch a business without risk, of course. As a small-business, you probably don’t have the luxury of having a risk manager on staff, but keeping risks and losses low is crucial to your operation. Choose adequate commercial insurance; it helps reduce risks and losses by offsetting the impact of the business disruptions you can’t plan for.
BUSINESS OWNERS POLICY (BOP)
Your customers shop local; you can get vital business coverage for your business locally too! Secure the commercial coverage a business of your size needs. Bundling different types of coverage into a single BOP is a cost-effective way to protect the business you’ve built.
Mid-Hudson Co-Operative business owner policies (BOP) provide coverage designed to fit the needs of today’s small- to mid-sized “Main Street” business. BOP offer building and/or business personal property coverage and general liability for your commercial business. This includes offices, services, mercantile, retail, and churches.
SPECIAL MULTI PERIL INSURANCE (SMP)
The larger the commercial operation, the greater the need for comprehensive coverage. Special multi-peril Insurance plans simplify the process by combining coverages normally purchased separately. Mid-Hudson Co-Operative special multi-peril insurance meets the needs of larger commercial operations and the risks associated with habitation of properties such as apartment buildings.
COMMERCIAL FIRE INSURANCE
Fire, and related hazards, can be devastating to a business! Aside from damage to property, the interruptions they cause, and the depletion of resources, both negatively affect commerce and can result in set-backs that can be hard to overcome without proper protection in place.
Mid-Hudson Co-Operative commercial fire insurance policies are designed to meet the unique needs of enterprises that do not fit into our BOP or SMP programs.
M&C SMALL CONTRACTORS INSURANCE
Personalized coverage means a lot to businesses that interact with customers on a personal level. For contractors running small, customer-service oriented operations – who pride themselves on their craft – there is coverage that handles the details with as much care as you do.
Mid-Hudson Co-Operative M&C small contractors insurance provides property and general liability coverage for small artisan type contractors, including these specific classes:
- heating, air conditioning, and refrigeration service technicians
- cabinet makers
- carpet cleaning and installation
- drywall installation
- janitorial cleaning services
- lawn mowing services (not landscapers)
- mason/concrete construction residential and light commercial
- interior painting
- vinyl and aluminum siding installation
You can contact an authorized Mid-Hudson Co-Operative Insurance agent any time to get a policy written that meets your needs.
Check our Coverage Information page for additional details.