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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Which Types of Commercial Insurance Must I Buy?

As a new small business owner, purchasing commercial insurance is one of your key responsibilities. You may have questions about the types of insurance you need to buy. If your business is in the Albany, NY, area, our NY Twin Bridges Insurance Agency team can help. We’ve been assisting commercial clients in your area since 2011.

What Types of Commercial Insurance Do I Need?

Starting a small business involves many expenses, and you don’t want to spend money on unnecessary insurance. According to the US Chamber, several types of insurance are mandatory for businesses. Commercial liability insurance, for instance, is crucial as it covers claims of injury or financial loss due to your company’s products.

You also need property insurance to protect your building and equipment. Employee health insurance and a worker’s compensation policy are essential for employee protection. Commercial auto insurance is a must if your business owns and uses vehicles. Additionally, consider a business interruption policy to protect your business if it has to close due to a disaster or tragedy.

Contact Us Today for Your Appointment

We understand the importance of making informed insurance decisions for your company’s future. Our mission is to listen to your concerns and help you find the best insurance options for your business. If your business is in the Albany, NY, area, our NY Twin Bridges Insurance Agency team is ready to assist you. Call us for an appointment today, and let’s discuss your insurance options.

Top Life Insurance Add-ons to Consider

Life insurance is a crucial investment that provides your family with financial support should you pass away unexpectedly. However, a one-size-fits-all approach may not suit everyone. To tailor your life insurance policy to your specific needs, consider adding additional provisions or "add-ons". These can help you maximize the benefits of your life insurance policy. Here at NY Twin Bridges Insurance Agency in Albany, NY, we can guide you through some of the top life insurance add-ons to consider.

Top Life Insurance Add-Ons to Consider

Here are some add-ons or riders that can customize your life insurance policy:

  • Accelerated Death Benefits: This add-on allows you to access a portion of your benefits before your passing if you’re diagnosed with a terminal illness. While this reduces the overall payout, it can provide much-needed financial support during a difficult time.
  • Waiver of Premium Rider: If you become disabled before a certain age, this rider allows you to stop making monthly premium payments until you’re able to work again.
  • Long-Term Care (LTC) Rider: If you require long-term care, this rider provides monthly payments to help cover the cost of at-home care.

Find the Right Life Insurance Policy With NY Twin Bridges Insurance Agency

At NY Twin Bridges Insurance Agency in Albany, NY, we’re committed to helping you find the right insurance, whether it’s life insurance or auto insurance. Start comparing life insurance quotes with us today!