As a business owner, you should always be on the lookout for ways to improve not only your brand image but your actual brand, as well. One of the best ways to do this is by investing in commercial insurance. With the right insurance, you can rest easy knowing you are protected when the unexpected happens. Take for example someone sues your company and wins. Do you have the funds in place to compensate for the settlement? With insurance, you can protect yourself against heavy fees and penalties. Here at the NY Twin Bridges Insurance Agency serving the Albany, NY area, we want all businesses to succeed. Here’s a look at two other reasons you should protect your company with commercial insurance.

Protect Your Investment

To keep your operations running smoothly, you have likely invested quite a bit into equipment and inventory. Take for example that you’re a photographer who has purchased expensive cameras and editing software. With commercial insurance, you can protect your equipment and inventory in the event it is stolen or damaged. As a result, you can take comfort in knowing you can replace the damaged or stolen items in a timely manner.

Protect Your Employees

It’s imperative to speak with a qualified insurance agent as it may be required by law for you to have commercial insurance, especially if you have employees working for you. Your employees are at the core of successful operations, so it’s important to make sure you are doing all that you can to protect them.

Contact the NY Twin Bridges Insurance Agency today serving Albany, NY to learn more about the benefits of commercial insurance.

Life insurance is a tricky kind of insurance in the way that not everyone needs it right now but at some point, most people will. How do you know if you need to get it now, though? Here at NY Twin Bridges Insurance Agency, serving Albany, NY, we want to make sure that you are always covered with what you need. Answer the questions below to determine if you need to get life insurance at this stage of your life. 

• Do you have a family that relies on your income? Whether you have a spouse, children, or both, you should consider if they need to have some financial help if anything were to happen to you. If you think they do and do not have a plan to provide that otherwise, life insurance is a good option.
• Do you have outstanding debts? Contrary to popular belief, there are some types of debt that will live on after you. If you have debt like a mortgage debt or student loan debt, you will want to make sure you have enough life insurance to cover these amounts so your family does not have to take on that additional burden. 
• Do you have enough money to pay for a funeral? Funeral costs can be a lot these days and that is only expected to get more expensive. Make sure you have enough in life insurance to cover the costs. 

After answering these questions, it should be pretty clear whether or not you need to have life insurance. If it is time for you to make the purchase, be sure to reach out to us here at NY Twin Bridges Insurance Agency, serving Albany, NY for your free quote. We can also help you determine how much you need and if now is the right time to purchase.