At Willoughby Insurance, we understand that business owners have to make difficult decisions regularly that affect both customers and employees.  One of the most important decisions you can make as a business owner will be the insurance policies and coverage you select to adequately protect your business. There is insurance available for every risk that your business could potentially face. Some types of coverage are required by law, while there are a number of coverages that are optional, yet very valuable. As with all insurance regulation, it is important to remember that what is required does not always offer an adequate level of protection. At Willoughby Insurance, we will work closely with you to understand your businesses needs and goals to determine which options will offer the coverage and protection that is needed.

Commercial or Business Insurance are blanket terms that encompass a number of insurance options. Typical coverage provided in a business insurance program can offer protection for:

  • Damage or loss to a business location and its contents.
  • Commercial vehicles.
  • Lawsuits resulting from injury or property damage to others.
  • The interruption of normal business operations.
  • Benefits for employees who are injured on the job.


Worker’s compensation, liability, and property insurance are three of the most common business insurance programs available. Just about business insurance policy will include these types of coverage.

Worker’s Compensation Law ensures that employees who are affected by a work-related injury or illness receive prompt medical treatment and adequate compensation for wages lost. This coverage is a requirement for all businesses in the state of New York with a limited number of exceptions. Worker’s Compensation also protects you as an employer from lawsuits that could arise from employee injury or illness.

Liability insurance protects businesses against negligence and/or injury to clients or other third-parties. This can include bodily injury, property damage, and personal injury (damage to a person’s reputation or rights). Attorney fees, damages, and medical expenses that you could incur as the business owner would be covered under liability insurance.

Property Insurance is designed to protect against unexpected damages from fire, hail, strong storms, and other natural disasters. Physical assets including the building and its contents, such as inventory and furniture, are covered under property insurance. This may also cover outdoor items such as landscaping or signs.  Property insurance will allow you to get your business back up and running quickly to prevent loss of income.

A variety of other business insurance programs exist, but how do you know which make sense for your business? At Willoughby Insurance, it is our goal to understand your business needs and goals so that we can provide you with meaningful options and sufficient coverage for anything you may encounter. Some other commercial insurance options include:


Business insurance is key to protecting your business, your employees, and your customers.  Contact Willoughby Insurance at 716-855-8100 to speak with one of our knowledgeable experts about the commercial insurance options needed to protect your unique business. We offer business insurance solutions throughout Buffalo, Niagara Falls, Tonawanda, Blasdell, Williamsville and the surrounding New York communities.