M G M Associates Insurance - Business Insurance

M G M Associates Insurance
1745 Penfield Road
Penfield, NY 14526
(585) 381-7008

Our insurance professionals will be glad to assist you with all your commercial insurance needs. MGM Associates Insurance provides commercial, property and auto insurance products to small to medium sized businesses.

Auto - This coverage provides liability protection from injury to others, their property and damage to your owned auto.

Computer/ EDP - This coverage protects owners of hardware and software from costs associated with breakdown and damage.

Directors & Officers - Provides protection for profit and non-for-profit companies against claims of negligence, misstatements, errors and omissions, misrepresentation, breach of duty, defamation, trademark, copyright or patent infringement, harassment, discrimination, security law violations, wrongful termination, antitrust violations.

Employment Practices Liability - Protection for organizations relating to employment practices including failure to promote, wrongful dismissal, misrepresentation, discrimination, unwarranted discipline, faulty evaluation, defamation, invasion of privacy, emotional distress, and breach of employment contract.

Error & Omissions/Professional Liability -In the current litigious environment, no professional, regardless of the service performed, can fully escape the possibility that their work may fail to meet their clients' expectations. Because the liability exposures of another profession differ considerable from the liability exposures of another profession, we can provide different policies to insure each (ex. Lawyers, Dentists, Accountants, et.).

Fiduciary - This coverage provides protection for the corporation, the plan itself, and all fiduciaries responsible for that plan by covering breach of fiduciary duties under ERISA and similar statutes, negligent errors and omissions, improper disclosures to plan participants, remiss investment strategies, imprudent choice of insurance company, mutual fund, or third-party service provider, faulty advice or counsel, improper amendments to plan documents.

General Liability - We can offer General Liability coverage for businesses to cover those costs which are the results of specific legal claim or suit against the business based on an accusation for negligence or fraud.

International Coverage - International insurance is required if you or your employees travel overseas, sell your products overseas or operate in foreign locations. International coverage's insure you against property damage, product liability, marine and foreign travel accidents, kidnapping, ransom, extortion and provide for emergency medical assistance.

Motor Truck Cargo - This coverage is for damage that has been done to property being transported by a common carrier or contact carriers. We can also provide loading and unloading protection.

Property PackagesCommercial buildings used for offices, manufacturing, retail stores or habitations can be covered for losses from fire, wind, hurricane, as well as flood.

Surety Bonds - In its most fundamental form, surety- ship represents the promise of one person (called the surety) to answer for the failure of another person (called principal) to do something as promised. Surety- ship today is usually conducted by insurance companies and is evidenced by conducted by insurance companies and is evidenced by written contract called a surety bond. Surety bonds are used to provide a wide range of guarantees.

Umbrella/Excess Liability - This coverage provides coverage above underlying General Liability, Auto and Workers Compensation.

Workers Compensation - Responds to two basic loss exposures, that being an employer's legal responsibility to pay required workers compensation benefits to employees and the possibility of an employee or some other person or organization making a liability claim against the employer for bodily injury to an employee. We also provide benefits for medical expenses and wage loss resulting from either occupational injury or disease.

Contact us today to get a free financial service and personal products insurance quote.

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