Ryan Agency Logo

    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.


    Get your Quote

    Most property insurance companies offer Actual Cash Value or Replacement Cost settlement options. Ty
    By Jeff Ryan October 30, 2024
    Most property insurance companies offer Actual Cash Value or Replacement Cost settlement options. Typically, insurance companies will require that you insure the property to the settlement value you choose. If you select Actual Cash Value, the amount you may be required to insure the property for will be less than the corresponding Replacement Value.
    Support Local Flood Relief: Enjoy Stearns BBQ and Help the Southern Tier Rebuild!
    By Jeff Ryan August 26, 2024
    In that spirit, the Ryan Agency is sponsoring a Stearns BBQ Dinner pickup at our office on 57 Broadway Mall in Hornell on September 12th from 3:00 PM to 4:30 PM.
    Today, an individualโ€™s credit history can play a more significant role than any one of those traditi
    By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU August 25, 2024
    Today, an individual’s credit history can play a more significant role than any one of those traditional factors. Good Credit Scores lead to a Positive Insurance score. A good Insurance Score greatly influences what someone will pay to insure their vehicles.
    Share by: