CBNA Insurance Agency Inc

/Home/Adirondacks NY - Business Insurance/Business Insurance - Franklin County, NY/Business Insurance - Tupper Lake, NY

CBNA Insurance Agency Inc
117 Park Street
Tupper Lake, NY 12986-1720
(518) 359-3329

As a business owner, purchasing the appropriate commercial insurance policy is critical to protecting your company's assets and ensuring its continuing viability. Property casualty insurance protects business from financial loss due to unforeseen circumstances including property damage and liability, thus mitigating the risk involved in running a business. Commercial Auto Insurance is very similar to a much more familiar Personal Auto. It provides both liability coverage and optionally physical damage (comprehensive and collision) coverage.



Buying Tips
Common Questions



The first step in purchasing an insurance policy for your business is familiarizing yourself with the general nature of commercial insurance and the various coverage options. Insurance standards and policy fundamentals vary slightly from state to state but have the same general parameters. Basically, commercial insurance covers two main areas - property and casualty.

Basic property insurance protects a company's buildings, machinery, equipment and furniture against loss caused by specified perils. In addition, businesses can purchase other lines of property insurance including inland marine insurance, which covers property damaged in transport, systems breakdown insurance, which covers business losses caused by malfunction of machinery, and crime insurance, which covers any loss caused by theft, larceny, etc.

Casualty insurance covers a business' liability for the injury or property damage of a third party. Common commercial liability lines include commercial general liability, the basic, comprehensive line of insurance, commercial automobile liability, which covers automobile usage for your business, and commercial umbrella liability, which covers any costs that extend beyond the other lines of liability coverage.

Insurance companies tend to offer small and medium-size businesses a type of insurance package, called a business owners policy (BOP), which includes basic property insurance, business interruption and liability coverage. BOP's do not include professional liability or auto insurance. If you opt for a BOP insurance package, you will need to buy separate policies to insure these other areas.

Client Testimonial
“Having an Agent come to my location, review both my business and personal policies at my convenience is just great service. We determined I lacked some coverage that I really needed, and they gave me choices and recommendations. It’s nice to know that someone else is looking out for me”.
Ken Richardson – Richardson’s Flooring – Gouverneur, NY.

"I always get speedy service, and I know my insurance provides the coverage I need"
Warren Martin, owner of Pro Kleen Janitorial in Keeseville NY.

"We saved hundreds, and we like the fact that someone is always there to answer our questions. We like the personal touch."
Pat & Bonnie Berry, Plattsburgh NY.

"I recently went home for lunch and as soon as I got out of the car I heard water running in my house. A pipe had burst in our finished basement and water was pouring down through the ceiling. I immediately called my plumber and Andrew “Drew” Ellis my CBNA insurance agent. He and my plumber arrived in 10 minutes and he immediately went to work. He stayed at the premises and used his cell phone to get Service Master there, start the claim process and console me. He got Service Master there in less than two hours and in the next few days followed up on everything that needed to be done. I recently switched all of my insurance coverage to CBNA and couldn’t be happier. I have been “Banking Happy” every since Community Bank came to Gouverneur and now I am “Insuring Happy”. Drew is a real professional and I recommend him highly."
Bill Lacy 70 Birchwood Drive, Gouverneur, New York 13642.

“Thanks so much for all your help. While all your answers weren’t necessarily what we wanted to hear, they were honest and we know that your agency is in there fighting for us. That means so much now a days. I have never dealt with an insurance agency that has been more helpful than you guys have been with all our insurance needs.”
Dawn A. Davison, Accounts Payable, Casella Waste Services, Potsdam, NY 13676






Powered by RiaEnjolie

Copyright © 2008 CBNA Insurance Agency,Inc. All Rights Reserved. Disclaimer