Business Insurance

Shelter Island Insurance understands businesses in the community. We take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.

We are committed to being an advocate for you and your business in times of need.

Commercial Auto Insurance

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car. Hired/Non-owned Auto Liability Use of Personal Vehicles

Commercial Liability Insurance

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Shelter Island Insurance recommends that all businesses have general liability coverage in place.

  • Professional Liability Insurance (Errors & Ommissions)
  • Employment Practices Liability Insurance (EPLI)
  • Directors and Officers Insurance (D&O)

Commercial Property Insurance

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent insurance agent, Shelter Island Insurance can help you determine the type of insurance policy and range of coverage that is best for your

  • Insuring Building
  • Flood Insurance
  • Business Personal Property Coverage
  • Business Income (Business Interruption Coverage)
  • Electronic Data Processing (EDP) Insurance

Commercial Umbrella Insurance

When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.

The rising costs of lawsuits and judgments are important for today's business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability insurance.

Need for Excess Liability

Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, and/or significant public exposure.

Wokers Comp Insurance

Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Surety Bonds

A Surety Bond is a written promise that an insurance company will protect your assets and back up the promises made by someone else. Shelter Island Insurance will work with you to find outstanding products supported by value-added services to commercial banks, savings and loans, insurance companies, finance and loan companies, and credit unions. Construction Bonds - Bid, Performance and Payment Bonds and Supply bonds for contractors with program capacity needs from “First Bond” to $25 million.