At Margeson Insurance Agency, we believe insurance should never be one-size-fits-all—especially when it comes to protecting your business. Whether you're running a small family-owned shop or a large corporation, we serve as an extension of your team, helping you understand your risks, prepare for the unexpected, and build a resilient future. Our commercial insurance solutions are personalized, thoughtful, and designed to grow with your business.
In today's digital world, a cyberattack can be more devastating than a fire or flood. Your systems, data, and customer trust are all on the line. At Margeson Insurance Agency, we help businesses of all sizes safeguard their operations with tailored cyber insurance coverage. Whether you're protecting customer records, intellectual property, or mission-critical systems, our policies are designed to help you recover from a breach, ransomware attack, or data loss swiftly. If your backup fails or your network is compromised, we make sure your coverage doesn’t. From risk mitigation strategies to recovery support, we stand by your side to keep your business moving forward in the face of digital threats.
Every business is built on a foundation—your property, your equipment, your assets. That’s why we take the time to understand how your physical space and contents power your business. Whether you run a retail store, a professional office, or a manufacturing facility, we design commercial property insurance that reflects your operations. Your coverage will include essential items like furniture, inventory, computers, and equipment, ensuring that if disaster strikes, you can rebuild and reopen without financial ruin. We work with you to structure deductibles and policy limits that balance affordability with security, providing full protection you can count on.
Your employees are the backbone of your business—and their safety is your responsibility. Our workers’ compensation policies ensure that if someone is injured or falls ill on the job, your business remains protected and compliant. We make sure your policy aligns with all New York State requirements and includes coordination with disability insurance. In addition, we offer proactive payroll reviews to help you avoid costly surprises during audits. From managing claims to keeping your coverage current, Margeson Insurance Agency is here to support both your team and your peace of mind.
Running a business always involves some level of risk. Whether it’s a customer slipping in your store or a client alleging property damage or injury, general liability coverage is your first line of defense. We take the time to understand your daily operations, sales volume, and exposure so that your policy isn’t just compliant—it’s truly protective. No two businesses are the same, and neither are their liabilities. That’s why we work closely with you to customize a plan that offers real protection in real-world scenarios.
Even the most skilled professionals can make mistakes—and in a world of increasing litigation, even a small error can lead to a major lawsuit. Our professional liability coverage protects you from claims of negligence, misrepresentation, and other errors tied to your services or advice. Whether you're an architect, accountant, consultant, or contractor, this type of insurance ensures that one mistake won’t cost you your reputation, your livelihood, or your business. Let us help you focus on what you do best—while we protect you from what you can’t always predict.
Sometimes, standard insurance limits just aren’t enough. That’s where a commercial umbrella policy comes in. It provides an extra layer of protection over your existing policies—stepping in when a claim exceeds the limits of your general liability, commercial auto, or workers’ comp coverage. We help you identify potential gaps and strengthen your overall protection, so you’re not left exposed in a worst-case scenario. With Margeson Insurance Agency, you can operate with confidence knowing your coverage is complete.
We understand that offering competitive benefits is key to attracting and retaining top talent. That’s why we work with trusted providers like Excellus and the New York State Health Exchange to offer comprehensive health care solutions for businesses of all sizes. We don’t just present cookie-cutter plans—we review your employee census, assess your company’s needs, and deliver tailored options that include medical, dental, and vision coverage. Our goal is to make employee benefits clear, cost-effective, and easy to administer, so you can focus on growing your business.
Planning for the unexpected is a hallmark of a resilient business. Through our partnership with American Business, a premier life insurance resource firm, we offer business clients access to high-level life insurance solutions. Whether you need a buy-sell agreement, key person coverage, or a long-term business continuation strategy, we provide policies that protect your company and its future leadership. These aren’t just policies—they’re strategic tools that safeguard the people and partnerships behind your enterprise.
Injuries and illnesses don’t always happen on the job—but they can still impact an individual’s income. That’s why we offer both group and individual disability insurance that steps in when an employee or business owner is unable to work due to a non-work-related condition. These policies offer replacement income for short-term needs (as little as a few weeks) or long-term situations that extend to age 65. Whether you're building a benefits package for your staff or securing your own income, we’ll make sure you’re covered.
If your business relies on vehicles, you need more than a personal auto policy. We provide comprehensive commercial auto insurance for a wide range of vehicles and uses—including delivery trucks, construction vehicles, long-haul freight carriers, and livery or service vehicles. Coverage includes both physical damage and liability protection for accidents involving your vehicles or others. Whether you’re a contractor hauling materials, a business running a fleet, or a rideshare company managing multiple drivers, we’ll help you keep your vehicles insured and your business on the road.
At Margeson Insurance Agency, we do more than issue policies—we deliver protection with purpose. Let’s create a plan that fits your business today and grows with you into the future. Reach out for a consultation and experience the difference of working with a team that truly understands business insurance.
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