Business Insurance

Tompkins Trust Company, through our affiliation with Tompkins Financial, is able to provide access to quality insurance products for your business with exceptional service and competitive pricing.  Tompkins Insurance Agencies recognizes your needs, and boasts experienced agents who are committed to providing you with the price, stability and service you are looking for. We work with large and small businesses across New York State, assessing insurance needs, risks and exposures, and providing options tailored for each business.  They offer the following:
 
Commercial Property Insurance
Provides coverage for your business’ physical structure and its contents, including buildings, personal property such as inventory and furniture, equipment, computers, and cash. 

Business Automobile Insurance
Provides coverage for cars, trucks and vans used for business purposes.  Optional coverages protect the business from financial loss due to liability incurred while driving a vehicle owned, leased, hired or borrowed by the business.

Workers’ Compensation Insurance
Offers income and medical benefits for employees who are injured on the job.

Commercial General Liability Insurance
Protects your business against claims and related expenses resulting from allegations of negligence. It provides coverage if an individual or another business claims your company or your employee was negligent and responsible for bodily injuries, property damage, financial loss, personal injury or advertising injury.

Equipment and Marine Insurance
Covers goods in transit and the vehicles of transportation on waterways, land, and air. If a business moves goods or equipment from one location to another, or has an off-premises exposure, the special protection of this coverage is appropriate.

Commercial Excess Liability Insurance
Provides additional business insurance coverage for your business for catastrophic losses covered under business liability policies. It is an additional layer of liability protection over the limits set by your commercial underlying policies, including general liability, auto liability and sometimes even professional liability.

Surety Bond
Provides for the fulfillment of an obligation in the event of default or debt, or in other words, guarantees to your client that the work your company agrees to do will get done as contracted.

Specialty Programs Insurance
Risks and exposures vary so dramatically by industry that it is important to identify and address the potential problems in your particular line of work. The trusted advisors at Tompkins Insurance Agencies have experience and expertise in niches like municipality, fire department, school, agriculture, technology, and contractors insurance, and can advise on a customized program that fits your needs to a tee.

Click here to request more information on any of our Business Insurance services.  The trusted advisors at Tompkins Insurance Agencies can help you identify the risks in your particular business, and minimize your exposure to loss with the appropriate insurance products.

 

Insurance products are not insured by the FDIC or any federal government agency, not deposits or obligations of the bank or its affiliates, not guaranteed by the bank or its affiliates, and subject to investment risk, including possible loss of principal.