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    Contractors Insurance Packages

    Your work is the heartbeat of the community. Let's get it properly protected

    Contractors Insurance Packages 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 represents 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 to assist you with securing the right insurance coverage for it.


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    “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.
    Most property insurance companies offer Actual Cash Value or Replacement Cost settlement options. Ty

    How Much Will I Get Paid If My Home or Property Are Destroyed?

    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.
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