HBE Group, Inc

/Home/Adirondacks NY - Business Insurance/Business Insurance - Herkimer County, NY/Business Insurance - Herkimer, NY

HBE Group, Inc
410 Folts Street
Herkimer, NY 13350
(315) 866-3140

Commercial Insurance (Business Insurance)
Click on any of the products below to view more information. Expand all product descriptions.
Bonds
Bonds come in several different varieties to fit different needs and situations. In general, bonds are meant to guarantee that one individual or entity will perform according to the specifications of a contract, ordinance or other requirement. Common types are Surety Bonds, Contract Bonds, Judicial and Probate Bonds and License and Permit Bonds.
Get a quote for Bonds
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Bonds page
Builders Risk Insurance
Builders Risk Insurance is often used with a different term that describes what the insurance does - Course of Construction Insurance. Builders Risk Insurance covers a building, and typically all materials during construction. Protection can be extended for the work of individual contractors, architects and engineers. Optional coverage can often be added for costs not directly related to construction such as marketing, loss of income and delayed completion.
Get a quote for Builders Risk Insurance
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Builders Risk Insurance page
Business Auto Insurance
Maybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.
Get a quote for Business Auto Insurance
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Business Auto Insurance page
Business Owners Policy
Think of it as homeowner insurance for your business. This type of policy is appropriate for many small and medium sized businesses. It conveniently includes many types of coverage like liability, building, business property and loss of income.
Get a quote for Business Owners Policy
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Business Owners Policy page
Commercial General Liability
Your business faces exposure to loss from legal liability from a number of sources. The CGL provides broad protection from risks arising from your premises and operations, independent contractors and product liability, to name a few.
Get a quote for Commercial General Liability
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Commercial General Liability page
Commercial Package Policy
A Commercial Package is a type of business package policy that bundles coverage together for several things including liability, property, boiler and machinery, crime and other optional coverage. The options available create flexibility that allow a Package to be customized for most kinds of business.
Get a quote for Commercial Package Policy
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Commercial Package Policy page
Commercial Property Insurance
This type of policy provides protection from loss, due to a variety of perils, to all kinds of business property including: building structures, furniture, inventory, equipment, and supplies, money and securities and business records. If you have a larger or more complex business you may need the flexibility of insuring your business property through a Commercial Property Policy.
Get a quote for Commercial Property Insurance
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Commercial Property Insurance page
Commercial Umbrella Insurance
Commercial Umbrella Insurance is sometimes used interchangeably with Excess Liability Insurance. The two are really different; an umbrella insurance policy will 'reach down' to provide coverage in gaps between other business insurance policies while a true excess insurance policy is intended to provide extra limits of insurance on top of coverage provided by other business insurance policies that are in place.
Get a quote for Commercial Umbrella Insurance
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Commercial Umbrella Insurance page
Contractors Bonds (Contractors Surety Bonds)
There are several types of Surety Bonds for contractors: Bid Bonds, Performance Bonds, Payment Bonds, License Bonds and Supply Bonds are a few. In general, surety bonds assure a project owner that they can rely on contractor performance, ability to make payments to certain other parties (sub-contractors, e.g.), good faith bid submissions and so on. The issuer of sureties, usually an insurance company subsidiary, investigates the abilities of a contractor and, in the event of a valid claim, will make reimbursement for non-performance according to the terms of the surety.
Information Needed for General Agreement of Indemnity:

Federal ID Number of each corporation
Full Name and Social Security Number of each stockholder and their spouses
Home Address of each stockholder and their spouses
Legal Name and Address of Corporation.
For Bid Bond Purposes - State(s) of Incorporation
Get a quote for Contractors Bonds (Contractors Surety Bonds)
Request More Information
Link to our Contractors Bonds (Contractors Surety Bonds) page
Contractors Liability
Contractors have liability insurance needs unique to the building trade. We understand those needs and can find insurance protection to fit the budget of your business.
Get a quote for Contractors Liability
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Contractors Liability page
Crime Insurance
Businesses are exposed to many types of loss not always covered in other types of business insurance policies. Crime Insurance indemnifies your business from embezzlement or theft by employees, forgery, hacking (electronic theft), theft of cash or securities by someone other than an employee or damage to your building or property caused by a burglary.
Get a quote for Crime Insurance
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Crime Insurance page
Directors and Officers Liability Insurance
D & O Insurance, as it is commonly called, is essential to attracting, retaining top business management talent. Lawsuits against a business and its management for negligent or wrongful acts can be brought by any number of constituents like shareholders, customers or regulatory bodies. D & O Insurance will fill in gaps in primary business liability insurance and will protect the personal assets of the directors and officers.
Get a quote for Directors and Officers Liability Insurance
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Directors and Officers Liability Insurance page
Farm and Ranch Insurance
Farm and ranch insurance can be tailored to protect the part-time gentleman farmer to the full scale agribusiness. Plans can include protection for your personal and business assets and legal liability insurance for both personal and farming pursuits. To get a proposal suited to your individual needs, complete our Farm Quote Request form or use the contact link below. And of course, you can always call or stop by to learn more.
Get a quote for Farm and Ranch Insurance
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Farm and Ranch Insurance page
Inland Marine Insurance
Insurance for a variety of property in land transit as well as instrumentalities of transportation such as bridges or tunnels would seem to fit the name, Inland Marine Insurance, and this kind of property is in fact insured by this class of insurance. But the policies in this category also provide coverage for property under construction, construction equipment, scheduled property like jewelry, furs, tools and more that move about or fluctuate in value as well as instrumentalities of communication like broadcast towers.
Get a quote for Inland Marine Insurance
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Inland Marine Insurance page
Landlord Package Insurance
Landlord's face special risks that require special insurance protection. A few examples of losses or exposures that are covered in a Landlord Package Policy include: Loss of rent resulting from an insured loss; Buildings with one or several units; Varied residential or commercial occupancies; Legal liability resulting from the activities of tenants; and Uninsured or under-insured repairmen. Even though Landlord Package Insurance is primarily designed to protect you from loss to rental property it can, and should provide adequate insurance limits to protect your other assets from legal liability arising from rental activities.
Get a quote for Landlord Package Insurance
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Landlord Package Insurance page
Professional Liability Insurance
Any professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Errors and Omissions Insurance.
Get a quote for Professional Liability Insurance
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Professional Liability Insurance page
Trucking Insurance
A trucking operation may need insurance for Physical Damage to trucks and trailers, Primary Auto Liability - even on leased rigs, General Liability for property damage or personal injury when a truck is not involved, Non-Trucking Liability for drivers and trucks not under dispatch and Non-Owned Trailer Liability. We can handle it all.
FAQs
Glossary
Articles and Checklists in Risk Alerts
Request More Information
Link to our Trucking Insurance page
Workers' Compensation Insurance