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    Commercial General Liability Insurance

    Accidents happen - let's be prepared!

    Commercial General Liability Insurance from the Ryan Agencies


    A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. Some examples of circumstances for which your business may be found liable include:


    • While visiting your business, a customer trips on loose flooring and is injured.
    • An employee in your painting or construction business accidentally leaves water running, causing substantial damage to a customer’s home.
    • A class action lawsuit is filed against your business, alleging advertisements constituted misleading information.


    Your business is an important investment of your time and resources. Let us help assure that an unfortunate accident does not put it all at risk. Many of your neighbors and fellow business owners count on us to help them navigate the sometimes complicated world of business insurance.

    Stop in and see us today, or give us a call. We would LOVE to learn more about your business and assist you with securing the right insurance coverage for it.

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    A Business, A Legacy, A Long-Lost Sign

    March 11, 2025
    The year 1962 was marked by historic events—from the Cuban Missile Crisis to the passing of Marilyn Monroe. But while the world focused on these headlines, Lee A. Ryan was working alongside his brothers on my grandparents' farm when an unexpected opportunity arose—an invitation to join the insurance business. With no prior experience, no clients, and limited resources, my dad took a leap of faith and partnered with Nationwide Insurance to start an agency from scratch. Operating out of his home on Karr Valley Road in Almond, NY, he built his business one relationship at a time (some of whom are still clients!), laying the foundation for what would become a lasting legacy.
    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”

    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”

    By Jeff Ryan • February 3, 2025
    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”
    Many don’t realize that the insurance industry is one of the country's most regulated business segme

    How is the insurance industry held accountable to protect policyholders?

    By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU • January 21, 2025
    Many don’t realize that the insurance industry is one of the country's most regulated business segments, especially in New York State. The New York State Department of Financial Services (NYS DFS) wields significant control over the insurance business and has a stated goal of protecting consumers.
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