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1030 Jericho Tpke. Smithtown, NY 11787

Business Insurance

Commercial Insurance

Cafarelli Agency Ltd., protects the assets of a broad range of enterprises – from sole proprietors to multi-million dollar corporations. Every commercial policy is built upon a thorough understanding of that business and the issues confronting it, allowing us to implement proper risk management techniques while placing appropriate coverage for the protection of a company’s human and physical resources and the earnings they generate.

We start with an interview designed to review and determine management’s desire for retaining risk, followed by an operational analysis. Researching corporate history, current issues and future strategies allows us to create a program around your company’s specific needs. By building customized plans, we’re able to positively impact each client’s bottom line.

Process

Every policy – whether it’s general liability, commercial automobile, property or workers’ compensation insurance – is built upon a proven and successful process that has worked for other clients.

  • Long Island Insurance CompanyExposure identification and the use of sound loss prevention strategies
  • Risk analysis and structuring the right combination of insurance and risk retention
  • Placing the insurance with financially stable insurers offering the most favorable terms and conditions
  • Aggressively managing claims
  • Close client communication to stay up to date on the dynamics of their business


Your successful business demands carefully constructed commercial insurance solutions. Cafarelli Agency is a commercial property and casualty insurance brokerage that knows and understands your needs and will provide professional custom commercial insurance services for your enterprise organization.

Commercial insurance coverage types:

  • Building insurance coverage ( the physical dwelling or dwellings of your business)
  • General liability insurance coverage
  • Excess umbrella liability insurance coverage
  • Employers insurance coverage (e.g. employment practices liability insurance)
  • Commercial auto insurance coverage (fleets of vehicles, multi-purpose utility vehicles)
  • Equipment breakdown coverage
  • Business property insurance coverage
  • Damage to property of others
  • Terrorism insurance coverage
  • Workers Compensation insurance (including “Pay As You Go” programs)
  • Business computer insurance
  • Directors and officers liability