Business insurance in Greene County

Published by Ibrahim Afyon, RSSA® New York–licensed P&C agent and broker · NPN 21711447 · Clifton Park, NY

What's different about insuring a business in Greene County

• Resorts, lodging and restaurants. The county's hazard plan says much of its economy relies on tourism, with two major resort mountains driving lodging, food services and retail. Inns and restaurants that serve alcohol need liquor liability under the Dram Shop Act; see restaurant and bar insurance and retail shops.
• Seasonal staff. Resort seasons bring extra hands. Workers' comp covers part-time and seasonal employees from the first day, and DBL and Paid Family Leave follow once someone has worked 30 days in a calendar year.
• Short-term rentals. Greene County asks owners to register short-term rental units, and towns and villages may require their own permit. See landlord and short-term rental insurance and, for the village and town rules there, the Catskill page below.
• Electricians and other trades. Master electricians need a County license, with proof of liability insurance, and the County tells owners to check liability and workers' comp before hiring. Every roof and facade carries Scaffold Law exposure. See contractor insurance.
• Business parks. The County and the Greene IDA have built the Greene Business and Technology Park, Kalkberg Commerce Park and the Exit 21 sites, and are planning a site in Cairo for manufacturing and distribution. Warehouses and plants need commercial property with business income, and inland marine for equipment that moves; fleets see trucking.
• The creeks. The hazard plan lists many tributaries that flood often, from the Schoharie Creek and Batavia Kill on the mountaintop to Catskill Creek and Coxsackie Creek near the river, and says mountaintop communities were especially affected in Irene. Commercial property excludes flood; flood insurance is a separate policy.

What Greene County businesses carry

Required by New York

Workers' compensation from the first employee, and DBL and Paid Family Leave once someone has worked for you 30 days in a calendar year. Business vehicles need commercial auto.

Required by your landlord and clients

General liability naming them as additional insured, or a business owners policy that packages liability with property and lost income for a shop, inn or small restaurant. A sole proprietor or partnership trading under an assumed name files a business certificate with the County Clerk; new LLC owners can read business insurance for a new LLC.

Worth adding

Flood insurance if FEMA's map puts your address in a flood zone, cyber for card payments and online bookings, employment practices liability once you have staff, and a commercial umbrella above general liability and liquor liability.

Towns

For local detail, see business insurance in Catskill: Main Street, the Historic District, Catskill Creek and the Village and Town short-term rental permits. Town pages: Coxsackie, Windham, Hunter and Tannersville, Cairo and Athens. I also work with businesses in Coxsackie, Athens, Cairo, Durham, Greenville, New Baltimore, Hunter, Tannersville, Windham, Jewett, Lexington and Prattsville, the same way.

How I quote a Greene County business

A short conversation about what you do and what your lease or contracts require; quotes from several carriers with what each leaves out, side by side; and once you choose and the policies are in force, I get you the certificates, usually the same day. My office is in Clifton Park, and I work with Greene County businesses by phone, email and video. The business gap check takes three minutes. Nearby: Columbia County and Schoharie County.

Turning 65, or helping a parent with Medicare? Medicare help in Greene County; there's no fee for Medicare plan help.