commercial insurance

Each and every business has their own specific insurance needs to properly protect their investment. We at the Paul Chapman Insurance Agency can review your current coverages and recommend the proper coverage for your business.

We also write Surety Bonds!

Glossary of Terms

Business Owner's Policy (BOP)

Is a type of policy which combines business property and general liability insurance all on one policy. A BOP is designed for your smaller businesses.

Commercial Package

This type of policy offers property and general liability protection along with broader coverage options and higher policy limits. A package policy provides a comprehensive solution for small and midsize businesses with more complex needs that may not be eligible for a BOP.


Covers the property you own, lease or rent, from the sign on your storefront to your computer equipment and inventory.

General Liability

Covers costs related to litigation and court judgments, if a customer or other third party files suit against you or your employees. It protects your business’s finances and reputation.


This coverage provides an additional layer of coverage over your existing liability policies.

Inland Marine

This covers your equipment or materials that are frequently on the move to different locations. It includes your contractor’s equipment, builder’s risk, installation floaters, computers, motor truck cargo coverage to name a few.


A commercial crime policy provides several different types of coverage for your business such as: Employee Dishonesty; Forgery or Alteration coverage; Computer fraud; Funds Transfer fraud; kidnap, ransom or extortion; money and securities and money orders and counterfeit money coverage.

Commercial Automobile

Coverage is afforded to your vehicles, whether a car or truck that are used in the course of your business

Cyber Liability

This covers lawsuits stemming from events like data breaches and denial of service attacks over the internet or other networks using electronic storage technology. It helps you minimize the negative impact of a data breach by offering the resources you need to act quickly.

Workers Compensation

This coverage is a state mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work related injury or illness.


This provides your employees coverage should they be injured off the job and unable to work. This coverage is for loss of wages only and pays a portion of your weekly wages up to a maximum of $170 per week; you can collect 26 weeks within a 52 week period.

Contact Us


Location:  1758 Burrstone Rd,
New  Hartford, NY 13413

Telephone: 315-793-1048

Fax: 315-793-1049


Hours: Monday through Friday: 8am - 5pm

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