Taxi & BlackCar Insurance
If you operate a vehicle for hire, whether as a taxi or black car service, protecting yourself and your business is essential. At Merchan & Son Brokerage, we offer specialized insurance coverage tailored for professional drivers. Our policies are designed to cover liabilities arising from accidents, including injuries to passengers and damage to third parties.
Get a free quote today and let us help you secure the coverage that fits your specific business needs.
Commercial Property Insurance
Commercial property insurance safeguards your business’s physical assets, including equipment, inventory, and buildings, against damage or loss caused by events such as fire, explosions, burst pipes, storms, theft, and vandalism.
This coverage helps cover the cost of repairs or replacement when your business experiences property damage. Please note that standard policies typically exclude earthquakes and floods unless these risks are specifically added as endorsements.
Protect your business investment with tailored coverage that keeps your operations secure and resilient.
Commercial Auto Insurance
Commercial auto insurance provides essential coverage for vehicles used in the course of business operations. Whether you own a single work vehicle or a fleet, this policy protects against liability for bodily injury, property damage, and medical payments resulting from accidents involving your commercial vehicles.
It also offers optional coverage for vehicle damage due to collisions, theft, vandalism, and other risks. At Merchan & Son Brokerage, we tailor commercial auto insurance policies to meet the unique needs of your business—keeping your drivers, vehicles, and operations protected and compliant with New York State regulations.
Business Liability Insurance
Business liability insurance—also known as general liability insurance—helps protect your company from financial losses due to claims of bodily injury, property damage, personal injury, or advertising injury. This coverage is essential for safeguarding your business against lawsuits, legal fees, and potential settlements or judgments.
At Merchan & Son Brokerage, we offer customized liability insurance solutions tailored to the nature and size of your business. Whether you operate a small startup or a growing enterprise, we ensure you have the protection needed to run your business with confidence and peace of mind.
Business Owners Policy (BOP)
A Business Owners Policy (BOP) combines essential coverages into one convenient and cost-effective package, typically including general liability insurance and commercial property insurance. This policy is designed specifically for small to mid-sized businesses, providing protection against common risks such as property damage, business interruption, and third-party liability claims.
At Merchan & Son Brokerage, we tailor BOPs to meet the specific needs of your business, ensuring comprehensive coverage that supports growth, stability, and long-term success, all while saving you time and money.
Worker’s Compensation Insurance
Workers’ Compensation Insurance is essential for protecting both your employees and your business. It provides coverage for medical expenses, lost wages, and rehabilitation for employees who experience work-related injuries or illnesses. It also helps protect employers from legal liability arising from workplace accidents.
At Merchan & Son Brokerage, we offer customized workers’ compensation solutions that meet New York State requirements and ensure your business remains compliant, secure, and committed to employee well-being.
Disability Insurance
Disability insurance provides income protection for employees who are unable to work due to a non-work-related illness or injury. In New York State, short-term disability coverage is mandatory for most employers, offering partial wage replacement during recovery periods.
At Merchan & Son Brokerage, we help businesses stay compliant with state regulations by offering reliable disability insurance solutions. Our goal is to ensure both employers and employees have the financial support and peace of mind needed during challenging times.
Professional Liability (Errors & Omissions)
Professional Liability Insurance—also known as Errors & Omissions (E&O) Insurance—protects your business against claims of negligence, mistakes, or failure to deliver professional services as promised. This coverage is essential for professionals such as consultants, accountants, real estate agents, and other service providers.
At Merchan & Son Brokerage, we offer tailored E&O insurance policies that help safeguard your reputation and finances in the event of lawsuits, legal fees, or damages. Ensure your business is protected against the unexpected with the right professional liability coverage.