Insurance built around your business—not just a list of policies.
Independent advice · Merrick, NY
No two businesses operate in quite the same way. Your premises, employees, equipment, contracts, vehicles, and services all influence the protection you need. Even a growing business with familiar policies can develop new exposures as its operations change.
The David Jacobs Agency reviews your individual risk characteristics and markets your account to a variety of insurers. We help you compare coverage terms, consider contractual requirements, and understand how different policies work together for your Long Island business.
Protect the physical assets that keep your operations moving, on site and away from your premises.
Commercial property insurance can help protect buildings, equipment, inventory, and other business property against covered causes of loss. Business income and extra expense options may also be available. Valuation, covered causes of loss, and the time needed to recover are important parts of a review.
What to review
Despite its name, inland marine insurance often protects property that moves over land or is used away from a fixed business location. Examples may include contractors' tools, mobile equipment, and certain goods in transit. The type of property and where it travels determine the coverage discussion.
What to review
Standard commercial property policies generally exclude flood damage. Separate flood coverage may help protect eligible building and contents losses. Your premises, equipment location, and potential downtime should be reviewed alongside policy limits and exclusions.
What to review
Often called equipment breakdown insurance, this coverage can address certain losses caused by the breakdown of covered equipment. Electrical systems, heating and cooling equipment, and other machinery may be relevant. Wear and tear, routine maintenance, and every mechanical problem are not automatically covered.
What to review
Address claims involving your operations, professional services, and people.
Commercial general liability insurance can help address covered claims for bodily injury, property damage, and certain personal or advertising injuries arising from business operations. It does not cover every liability exposure; professional services, employee injuries, and vehicle-related claims often require other policies.
What to review
Workers' compensation insurance provides benefits for eligible work-related injuries and illnesses under applicable state law. Coverage requirements depend on your business and workforce. We can help you review employee classifications, payroll, and operations when seeking a policy.
What to review
A commercial umbrella can add liability limits above designated underlying business policies. How it responds depends on both the umbrella and the underlying coverage. It can be useful when reviewing larger claims exposures or higher insurance limits required by a contract.
What to review
Professional liability, sometimes called errors and omissions insurance, can address covered claims arising from alleged mistakes or omissions in professional services. This is different from general liability. Coverage should reflect the services you actually provide and the requirements of your client contracts.
What to review
Consider the movement of goods, business vehicles, and marine exposures.
Ocean marine insurance addresses certain vessel, cargo, and maritime liability exposures. Businesses involved in importing, exporting, or marine operations may need protection that ordinary property and liability policies do not provide. Policy selection depends on your role, goods, routes, and shipping responsibilities.
What to review
Motor truck cargo insurance can address a carrier's exposure for goods it transports, subject to the policy's terms. Coverage depends on the commodities carried, maximum load values, routes, and circumstances of a loss. A vehicle's auto policy does not replace a cargo coverage review.
What to review
Commercial auto insurance addresses vehicles used in business and related liability exposures. Options may include physical damage coverage and protection for certain hired or non-owned vehicles. Ownership, vehicle type, drivers, and actual use are all important when selecting coverage.
What to review
Review obligations, crime exposures, and risks to the money your business is owed.
A surety bond generally supports a contractual or legal obligation rather than functioning like ordinary insurance. Depending on the bond, it may assure performance, payment, or compliance with a licensing requirement. The business obtaining the bond may be required to reimburse the surety for a claim.
What to review
Commercial crime insurance can address certain theft, employee dishonesty, or fraud-related losses, depending on the policy. Modern payment and transfer practices create exposures that should be reviewed carefully. Social engineering and other schemes may require specific coverage or have special limits.
What to review
Accounts receivable coverage and trade credit insurance address different risks. The first may help with certain losses involving receivables records after covered damage; trade credit insurance may address eligible customer nonpayment. We can help you determine which exposure you are trying to protect.
What to review
A few details can help us make your coverage review more useful.
Please do not send medical records, Social Security numbers, or other sensitive personal information through the website or ordinary email.
Common questions
This information is a general guide, not a description of any specific policy or a guarantee of coverage. Availability, eligibility, limits, exclusions, and benefits vary by insurer and policy. Your policy documents govern coverage. Contact the agency for advice about your circumstances; coverage cannot be bound or changed through this website or email.
Local guidance since 1937
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