Save on Insurance for Your Business
Schaefer Enterprises understands and addresses the insurance needs of businesses with cost-effective coverage that protects against a full range of exposures and challenges. This includes issues common to all business but also those related to the unique situations and events faced in specialized industries such as medicine, hospitality, finance and construction.
Workers’ Compensation & Disability
Workers’ Compensation Insurance and disability insurance are required by New York State. Workers’ Compensation protects against lawsuits stemming from workplace accidents. It provides medical care to injured employees as well as compensation for lost income. Disability Insurance reimburses workers who are not covered by Workers’ Compensation benefits with a percentage of their lost wages.
Employment Practices Liability (EPLI)
Employment Practices Liability Insurance protects against financial costs of lawsuits brought by employees or former employees, i.e.: discrimination, wrongful termination, sexual harassment and breach of employment contract.
Commercial Umbrella
Commercial Umbrella insurance protects against liabilities and losses after primary insurance benefits have been exhausted. This policy does not apply to professional liability claims or property limits.
Business Owners Policy
Business Owners Policy Insurance protects against a variety of property and liability risks. It is often compared to a Homeowners policy for a business. BOP’s combine basic coverage needed by small or midsize companies into a single policy with a single premium that should cost less than buying coverages separately.
Cyber Liability
A malicious attack on your company’s computer information systems, infrastructure, computer networks and/or personal computer devices presents a multi-level challenge to your enterprise at all times. Our risk-management experts will help you understand the full extent of your exposures, your Internet security risks and how to construct a customized program to insure against security breaches.
Reduce your risk, protect your business and save money
We combine our insurance products with accessibility, accountability and personalized service to customize coverage for your requirements. We are fully committed to making sure you have all the coverage you need at the best rates.