Tag Archives: Business Insurance Westchester County NY

Umbrella Insurance Quote

Unlike other insurance policies, umbrella insurance has the ability to cover you beyond your basic insurance. Make sure you’re protected, contact Keep Insurance in Westchester NY today for an umbrella insurance quote. Continue reading →

Business Liability Insurance Coverage in Westchester NY

Owning a business can be tough. Let Keep Insurance help ease your mind with business liability insurance in Westchester NY.

Business Liability Insurance Coverage in Westchester NY

General business liability insurance coverage can help provide financial protection for businesses with a variety of liability exposures. Exposures covered under this type of insurance could include liabilities resulting from accidents on the insured’s property, products sold by the insured and contractual liability. It could also help protect the company’s assets and pay for obligations such as medical costs, legal fees, or settlement awards resulting from injury on the property.

How Important is Business Liability Insurance Coverage?

Purchasing business liability insurance coverage is crucial to a business’s long-term success. In the event that your company experiences an unexpected loss, accident or lawsuit, it could help save your business from severe financial loss.

It is important to make sure you have the right insurance for your needs to protect your business. Owners who are reluctant to purchase business liability insurance should consider the potential for financial disaster if an accident occurred with no protection. Certain businesses operate at a high level of risk – those within the construction industry are a prime example due to their use of hazardous tools and materials like ladders, power tools, etc.

To purchase business liability insurance coverage, the insured will pay an annual premium, the amount of which will depend on your line of business and the types of coverage needs. However, it is important to be informed of what exactly your policy covers – there are a number of perils not covered under insurance, as wells as a maximum monetary amount your policy will cover.

There are 3 main types of business liability insurance coverage:

• Product Liability Insurance Coverage

Product liability insurance helps protect businesses that manufacture and distribute products in the event that one of their products is defective and/or causes harm to the user. This means, if there is an injury or property damage resulting from the product’s use, insurance could help protect the manufacturer from certain product liabilities and lawsuits.

Product liability insurance can protect from financial loss due to legal liability, injury or damage resulting from the use of their product, or injury incurred by an employee while performing paid work. Some products may be more likely to causes injury than others even if the product is not defective. The risk is assessed based on the nature of the product.

• General Liability Insurance Coverage

For most business types, this is an essential coverage. General liability insurance could help with multiple forms of liability, from property damage to physical injury; it could even help protect the holder against libel and slander charges.

• Professional Liability Insurance Coverage

Professional liability insurance is also known as ‘errors and omissions insurance’ and could help to protect business owners from bankruptcy when facing malpractice or negligence lawsuit damage payments.

There are many benefits to starting up a small business, but there is a large amount of inherent risk as well. It is important that every business owner take this risk seriously, and invest in the security of business liability insurance for his or her company and its employees.

If you are looking to learn more about Business Liability Insurance in Westchester NY please Contact Us at 877-892-KEEP (5337)

Residential and Commercial Insurance Coverage

Supplying both residential and commercial insurance coverage, Keep Insurance has your business and personal property protected. Continue reading →

Obtain An Insurance Quote

The Quick Quote form is a great way for you to submit minimal information and be contacted in a timely manner by one of our skilled professionals. When completing our Auto OR Home Quote Application, the information you provide will be quoted with multiple A rated carriers, and sent to our Underwriting Team. Our staff will then find the best price for the coverages you requested and propose the quote to you within 24 hours. Business Quotes will be quoted in-house by our Underwriting Team, and you will be contacted within 24 hours. The Instant Carrier Quote link is a way for you get an immediate quote from one of our insurance carriers directly. To speak with a representative about your particular insurance needs feel free to contact us!

Please note: None of the information you provide below will be shared with ANY outside source other than insurance providers, nor will it be used for prospecting or marketing purposes. The information you provide simply provides insurance professionals necessary criteria to better process your request.

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Privacy Policy

On-Line Consumer Policy:

Keep Insurance Privacy Policy

1.Gramm-Leach-Biley Act

a.Notice Title V of the Gramm-Leach-Bliley Act(“GLBA”) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of Keep Insurance and any subsidiaries and/or affiliates (“Keep”). You also have a right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for any purpose that is not specifically authorized by law.Your right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for a purpose that is not specifically authorized by law is called your right to “opt out” of such information sharing.

b.Privacy Polices and Practices

I.Information We Collect We may collect nonpublic personal information about you from the following sources: (a)information we receive from you on applications or other forms; (b) information about your transactions with us, our affiliates or others; (c) information we may receive from consumer reporting agencies; and (d) information from search agencies.Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

ii.Information We May Disclose to Third Parties We may disclose all of the information that we collect about you, as described above.

iii.Non-Affiliated Third Parties to Whom Disclosures May be Made, and Right to “Opt-Out” we may disclose nonpublic personal information about you to the following types of third parties, unless you tell us not to:(a) insurance companies; (b) companies through which we market your account including, insurance brokers, insurance agents, general agents, wholesale brokers and surplus lines brokers; (c) financial service providers; (d) mortgage bankers and/or brokers; (e) financing companies; (f) search companies; (g) claim adjusters and/or investigators; (h) governmental entities as may be required by law; (I) persons or entities as required by subpoena or court order; (j) fulfillment service providers; and (k) companies through which we have marketing agreements.We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.However, if you prefer that we not disclose nonpublic personal information about you to non-affiliated third parties, you may “opt out” of those disclosures, that is you may direct us not to make those disclosures, by making a written request to “opt out” of any disclosure of nonpublic personal information to non-affiliated third parties, signed by yourself or an authorized individual, and mailing the request to: Keep Insurance, 27 Cleveland Street, Valhalla, New York 1059; Att’n: Administrative Coordinator.

2.Fair Credit Reporting Act

a.Notice Under the Fair Credit Reporting Act, if non-transactional information is shared with affiliates, we must describe the information that may be shared, indicate what affiliates may receive this information, and afford you of the right to “opt-out” of such information sharing.

b.Policies and Procedures

I.Information We Can Share With Affiliates We may share with our affiliated companies information about you including: (a) information we obtained from your insurance application, such as your income or your marital status; (b) information we obtained from a consumer report, such as your credit score or credit history; (c) information we obtain to verify representations made by you, such as your open lines of credit; and (d) information we obtain from a person or entity regarding its employment, credit or other relationship with you, such as your employment history.

ii.Our Affiliated Companies Who May Receive This Information These are companies wholly or partly owned by Keep Insurance, or otherwise affiliated with Keep Insurance, which engage in agency and brokerage operations.

iii.Right to Opt-Out If you prefer that we do not share this information with our affiliated companies, you may direct us not to share this information by doing the following: send a written request to “opt out” of any disclosure of nonpublic personal information to affiliated companies, signed by yourself or an authorized individual, and mailing the request to: Keep Insurance, 27 Cleveland Street, Valhalla, New York 10595; Att’n: Administrative Coordinator.

3.Practices Regarding Confidentiality and Security We restrict access to no npublic personal information about you to those persons who need to know that information in order to provide products or services to you. We maintain physical electronic procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

4.Reservation of Right to Disclose Information in Certain Circumstances In connection with any potential sale or transfer of its interest, Keep Insurance and its subsidiaries and/or affiliates reserve the right to sell or transfer your information (including but not limited to your name, address, age, sex, zip code, state and country of residence, and other information you have provided) to a third-party entity that: (a) concentrates its business in a similar practice or service; (b) agrees to be successor in interest with regard to the maintenance and protection of the information collected; and (c) agrees to the obligations of this privacy statement.

5. Use of Credit Information In the course of processing an application for insurance, credit information may be obtained and utilized. Such information may also be obtained and utilized for processing policy renewals. In the event an adverse action is taken based on such information, the insurance carrier (or Keep Insurance if so designated by the carrier) will provide notification that such action has been taken.

6. Internet Information Keep and any affiliated insurance carriers or brokers whose products are provided through our site are the owners of the information collected on this site.

Keep may share aggregate information about our users with advertisers, business partners, sponsors and other third parties, though such summary information will not identify any specifics related to you. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. We may use IP addresses to analyze trends, administer the website, track user movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. We may use a cookie to store information about individual website users. Our website registration form requires users to give us contact information (like their name and email address) and demographic information. When you order a product, we need to know, and therefore collect, your contact information (like your name, address, and e-mail address), certain financial information and all information supplied in determining your ratability under the policy you purchase and the terms of such policy. Additionally, we retain a record of all information provided by you in your application as is the general practice in the insurance industry. Our website may contain links to other sites. Please be aware that Keep is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information.

7. Policy Changes Any amendment to this Policy shall be posted on this page, and shall be effective as of the time of posting, unless otherwise specified.

Revised 5/11/09

Terms of Use

TERMS OF — USE AGREEMENT

This Terms of Use Agreement (“Agreement”) constitutes a valid, binding contract between you and Keep Services Inc., d/b/a Keep Insurance Agency, a New York corporation, and any affiliates and subsidiaries (“Keep”),the owner and operator of keepinsurance.com, with respect to the use of the keepinsurance.com website and any related computing environment (the “Website”). The products and services of Keep are provided subject to compliance with the terms of this Agreement. Your use of the Website signifies and constitutes your acceptance of this Agreement, as it may be amended from time to time. Please read this Agreement carefully as it forms a binding contract between you and Keep.

1. Restrictions on Use. The Website is not intended as a solicitation for insurance in any state, territory or country where Keep or its affiliates or subsidiaries are not licensed. Currently, Keep is licensed in New York, Connecticut, New Jersey and Pennsylvania.

2. Use of Site. Your use of the Website is at the discretion of Keep, which may deny you further use of the Website, subject to any limitation(s) contained in any separate, binding agreement with Keep. In order for us to provide quotes and other services through the Website, you must provide true, accurate and current information. Keep is not responsible for transactions resulting from information you provide that is untrue, inaccurate, not current or incomplete or fraudulent. Your use of the Website must always comply with applicable law. In particular, but without limitation, you agree and represent not to use the Website to: impersonate any person or entity; falsely state or otherwise misrepresent your affiliation with any person or entity; upload, post, e‑mail or otherwise transmit any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable; upload, post, e‑mail or otherwise transmit any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party; or upload, post, e‑mail or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, damage, destroy or limit the functionality of any computer software, network, hardware or telecommunications equipment.

3. Scope of Service. The information contained in the Website presents only a general description of the insurance coverage that may be purchased. Keep is not an insurance carrier, and the provisions of any coverage purchased is governed by the terms and conditions of the insurance policy as issued by the carrier. In situations where the information on the Website might differ from that provided in the insurance policy, the insurance policy shall control. Keep does not recommend, endorse or otherwise advise you in relation to the merits of any particular insurance carrier or policy. In no way shall the information provided on this Website, nor use of the Website, create any relationship with Keep other than that of Keep acting as an intermediary to facilitate the issuance of insurance coverage by carriers.

4. Links to Other Sites. The Website may contain links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by Keep of the contents on such web sites. Keep is not responsible for the content of linked third party sites and does not make any representations regarding the content or accuracy of the materials on such sites. If you decide to access linked third party web sites, you do so at your own risk.

5. Information Supplied by You. Information provided by you will be stored for future use. Data stored will include your general information, billing and e‑mail addresses, as well as details of transactions completed. We may use the information you provide to electronically send you information related to this Website. Please refer to our privacy policy to learn about what information we collect and why. In consideration of your use of the Website, you agree to provide true, accurate, current and complete information, as prompted by the Website and on any forms submitted or uploaded. You agree to promptly update such information to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or there are reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Keep has the right to suspend or terminate your current or future use of the Website (or any portion thereof).

6. Website Security. If the Website allows you to establish an account you will be asked to create a user name and password. You will also be given an opportunity to create a “forgot password” question and answer. If you forget your password, the website will ask the “forgot password” question you created, once you have answered this question it will enable a temporary password to be sent to your email account. However, to keep your information secure, Keep cannot provide you with your password, or your “forgot password” question’s answer. If you cannot remember your “forgot password” question’s answer, please contact [email protected] to have a new account created. New accounts will not give you access to information submitted under previous accounts. Your password is your responsibility and must be protected. Protect your password as you would any other valuable property. You are responsible for all material submitted using your password, and you agree to not to give your password to others. Keep will rely on your password to identify you when providing services to you. Notify Keep immediately if you suspect that your password has been compromised.

7. Data Security. Keep will seek to employ appropriate safety and security measures when handling information you supply. This includes encryption of data using Starfield Technologies software on both the client and server end. Starfield Technologies has issued Keep a unique identification, which assures visitors that they have reached our authentic Website, thereby allowing communications to be encrypted. In order for this system to work, you must have a browser that supports at least 128 bit encryption. Please note that e‑mail may not be encrypted and cannot be considered a secure means of transmitting financial information (including but not limited to credit card numbers).

8. Indemnification. You agree to defend, indemnify and hold completely harmless Keep from and against any and all claims, damages, costs, and expenses, including without limitation claims based upon the negligence of Keep, arising from or related to your use of the Website, the materials it contains, and the use of your password to access or use the Website and any sites linked to the Website.

9. Disclaimer of Warranties. You expressly understand and agree that use of the Website is at your sole risk. The site is provided on an “as is” and “as available” basis. Keep expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to any implied warranty of merchantability, fitness for a particular purpose, and non‑infringement. Keep makes no warranty that use of the Website will be uninterrupted, timely, secure, or error‑free, or that results obtained from use of the Website will be accurate or error-free, or that the quality of any products, services, information, or other material purchased or obtained by you through the Website will meet your expectations. Any material downloaded or otherwise obtained through the use of the Website is done at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No information, whether oral or written, obtained by you from Keep or any other source shall create any warranty not expressly stated in this Agreement.

10. Limitations and Exclusions of Liability. You expressly understand and agree that Keep shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, whatsoever, from use of the Website. This shall include, but not be limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from or related to the use or inability to use the Website, unauthorized access to or alteration of your transmissions or data, or any other matter relating to the Website. If you are dissatisfied with the Website, or any of the information contained thereon, or refuse to abide by this Agreement, your sole and exclusive remedy is to discontinue your use. You further agree not to join in any lawsuit with another person or serve as a class representative of any class action lawsuit against Keep arising out of the use of the Website. Keep shall not be held liable for any representations on third party sites in relation to the information provided in the Website.

11. Intellectual Property Rights. The Website is protected by copyright and other intellectual property rights. Keep grants you a personal, revocable, non‑transferable, and non‑exclusive right and license to use the Website, and any methods or processes therein, provided that you do not (and do not allow any third party to) copy, modify, create a derivative work from, reverse engineer, reverse assemble or otherwise attempt to discover any source code, or to sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the software for the Website. A Keep Insurance @ is owned by Keep and is use is protected under applicable law. You agree not to copy, display or otherwise use same without the prior written permission of Keep.

12. Modification. Keep may update, revise, supplement, modify or amend this Agreement at any time. Any updates, revisions, supplements, modifications or amendments shall be effective immediately upon posting on the Website. You agree to be bound by this Agreement, and any updates, revisions, supplements, modifications or amendments.

13. Entire Agreement. This Agreement constitutes the entire agreement between you and Keep with respect to your use of the Website. There are no other representations, warranties, terms, agreements or conditions, either written or oral, with respect to your use of the Website except as set forth in this Agreement.

14. Severability. If any provision of this Agreement is deemed unlawful, void, voidable or unenforceable for any reason, then that provision shall be deemed severable from this Agreement and shall not affect the validity or enforceability of any remaining provisions.

15. Governing Law and Jurisdiction. This Agreement, the entire relationship between you and Keep, and any action or other legal proceeding between you and Keep (whether grounded in tort, contract, law or equity) shall be governed by and construed in accordance with the laws of the State of New York. You consent to the exclusive jurisdiction of the courts of the State of New York for any action or proceeding regarding this Agreement, with such action to be venued in Westchester County. You hereby irrevocably and unconditionally consent to the jurisdiction of such courts and hereby irrevocably and unconditionally waive any defense of an inconvenient forum to the maintenance of any action or proceeding in any such court, any objection to venue with respect to any such action or proceeding, and any right of jurisdiction on account of the place of residence or domicile of any party thereto.

16. Termination. Except as may be provided by any separate contractual agreement, Keep may terminate your right to use this Website, with or without cause at any time in its sole discretion, including, without limitation, your violation of this Agreement, failure to provide accurate data, and lack of use. In the event of termination, all representations, warranties, indemnifications, and promises made by you shall survive.

17. Contact Information. If you need to contact Keep you can e-mail us at: [email protected], or write to us at Keep Insurance Agency, 27 Cleveland Street, Valhalla, New York 10595.