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For 50+ years, we’ve helped our clients through the many risks associated with retail. Our goal is to help you achieve yours.
Business Owners Package (BOP)
Provides property and liability coverage for eligible small businesses. BOPs are written on special coverage forms that are similar to monoline property and liability forms, but typically have some unique features that make them advantageous for businesses that qualify.
Business Property
First-party insurance that indemnifies the owner or user of property for its loss, or the loss of its income-producing ability, when the loss or damage is caused by a covered peril, such as a fire or explosion.
Commercial Automobile
Covers any land motor vehicle, trailer, or semitrailer designed for travel on public roads; or any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.
Crime / Fidelity
Covers losses due to employee dishonesty, credit card forgery, computer fraud and theft, and the disappearance or destruction of property.
Disability (New York)
New York is one of a handful of states that require employers to provide disability benefits coverage to employees for an off-the-job injury or illness.
Employee Practices Liability Insurance (EPLI)
A type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.
Flood Insurance
Coverage for water damage to property caused by flooding.
General Liability
Insurance protecting commercial insureds from most liability exposures other than automobile and professional liability.
Umbrella ($100 million)
Provides protection against catastrophic losses. It generally is written over primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, and employers liability coverage. An umbrella policy provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims; it drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention.
Worker’s Compensation
The system by which no-fault statutory benefits prescribed in state law are provided by an employer to an employee (or the employee’s family) due to a job-related injury (including death) resulting from an accident or occupational disease.
Evolution Insurance Services has over 50+ years of experience working with clients to ensure they have the right protection in place so they can minimize risk, avoid loss, and move forward confidently in life.
Sign up today and discover ways to minimize risk and avoid loss.
Sign up today and discover ways to minimize risk and avoid loss with our free policy review.
Sign up today and discover ways to minimize risk and avoid loss with our free policy review.
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Since 1914, the New York Mutual Insurance Company has been serving policyholders protecting businesses,
Since 1914, the New York Mutual Insurance Company has been serving policyholders – protecting businesses
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