Unique Insurance Solutions for Proactive Business Risk Management

At Mohawk Insurance Services Inc., our team of expert professionals represent the leading regional and national insurance companies and are well-equipped to provide you with the most comprehensive coverage options and excellent customer services at affordable rates. With nation-wide experience, we ensure that your business is prepared for any risk – at all times.

Commercial Property Insurance

Protects your company-owned building and other tools, furniture, inventory, etc., used for business operations in the event of damages/losses caused by storms, fire, explosion, theft, vandalism, and other covered perils

General Liability Insurance

General Liability provides critical protection for your business. This provides coverage for lawsuits filed against your business for property damage, bodily injury, advertising injury, reputational harm, libel, or slander. Also, most lenders and financial stakeholders require a company to purchase General Liability.

Commercial Auto Insurance

Offers liability coverage and damage protection to company-owned vehicles in the event of at-fault accidents under different coverage options such as:

Bodily Injury Coverage - Pays for third-party medical expenses, lost wages, and funeral expenses
Property Damage Coverage - Pays for the damage you cause to someone else's property
Underinsured Motorist Coverage - Covers accidents caused by drivers without sufficient liability coverage
Collision Coverage – Pays to repair your vehicle damaged in an accident with another vehicle or object
Comprehensive Coverage - Pays to repair your vehicle damaged by fire, theft, and other natural disasters
Medical Payments Coverage - Covers medical expenses incurred by you or your fellow passengers in the event of an auto accident
Uninsured Motorist Coverage – Covers accidents caused by drivers without auto liability insurance

Workers’ Compensation Insurance

Provides financial benefits to employees injured at work while protecting employers from lawsuits filed by injured employees by covering:

Medical Bills – Pays for injured employees' medical bills, including hospital stays, emergency room visits, medications, and surgical procedures
Lost Wages – Pays partial income while employees are recovering from a workplace injury or accident
Disability Expenses – Provides disability benefits to help employees pay their medical bills and replace some of their lost wages
Ongoing Care Costs – Pays for employees' ongoing care, including physical therapy and other rehabilitation treatments
Death Benefits – Pays funeral expenses and death benefits if an employee passes away after a work-related injury or accident
Legal Expenses – Provides attorney fees, court fees, and other settlement costs on behalf of an employer if they are sued

Commercial Umbrella Insurance

Provides extra coverage to help pay for claims that exceed the liability limits of your basic policies, such as:

Personal Injury Coverage - Covers claims of libel, slander, and defamation
Vacation Rental Liability Coverage - Protects rental boats, scooters, and jet skis from accident claims
Worldwide Coverage - Covers incidents that happen abroad
Defense Coverage - Covers attorney fees and legal expenses

Cyber Liability Insurance

Protects your business from data breaches and cyber security threats. It covers businesses with two different coverage options:

First-Party Coverage

Covers damages incurred by your business from a data breach, including:

Business interruption coverage
Investigative services
Data recovery
Hardware Repair and Replacement
Customer Notification
Cyber extortion

Third-Party Coverage

Covers damages incurred by your customers or partners from a cyber-attack, including:

Security failure
Media liabilities
Legal fees
Settlement costs

Transactional Insurance

Protects you from risks related to merger and acquisition (M&A) deals, irrespective of whether you are a buyer or seller, through:

Representations and Warranties Coverage – Protects you against financial losses incurred from claims related to breaches of representations and warranties
Tax Indemnity Coverage - Protects you against known contingent tax exposures from a past transaction, investment, or any other legal business activity
Contingent Liability Insurance – Covers known exposures in a transaction, such as disputes, litigation, environmental, and employment-related matters

Management Liability Insurance

Protects directors and officers of a company from lawsuits filed by employees, customers, vendors, competitors, and investors while covering :

Legal expenses
Settlement costs
Other costs related to lawsuits and allegations of a wrongful act

Your BusinessIs Our Business

Our extensive commercial insurance policies are designed to ensure the stability and continuity of your business at all times. Located in Albany, NY, we provide fully-scalable and customizable commercial insurance solutions throughout the U.S that ensure unparalleled protection and peace of mind.

Get started on your custom-tailored property and casualty insurance coverage and contact us today info@mohawkinsurance.com to get started!