Insure Wisely

We believe in being strong and
wise during catastrophic events.

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Arica's Insurance

A local, woman-owned and operated agency in Columbia County, NY.

At Arica’s Insurance, we serve clients with the utmost integrity and loyalty to our clients, our local community, and beyond. Our positive attitude and philosophy carry into relationships with our clients and our insurance partners. When that experience of providing the appropriate individual policy meets customer needs, a relationship is established that is mutually beneficial, stable, and long-lasting.

We believe in giving our clients an insurance experience they can depend on for their business and their family. Our motto is to “insure wisely,” as we believe in being strong and wise during catastrophic events making it a priority to ensure our clients are being taken care of personally, and professionally all while protecting you from the inherent risks of life.

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Owl Significance

At Arica's Insurance, we are a woman-owned agency that believes in the power of wisdom, hence our motto, “insure wisely.” Athena, the wise owl, originates from the Greek goddess of wisdom, war, and strength. Our inspiration of being strong and wise during war/catastrophic events originated based on goddess Athena and her wise owl. Arica's Insurance is proud to have this mascot represent its agency and the vision that it was founded upon.

Owl you need is to insure wisely.

A Suite of Solutions for Your Ultimate Protection

Providing a variety of business insurancespecialized business insurance, personal insurance, and employee benefits solutions is what Arica's Insurance does best.

Everything will be owlright. Insure wisely.

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Columbia County’s Only Erie Insurance Agency

At Arica's Insurance, we strive to uphold Erie Insurance’s long-standing commitment to service.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Contractor

Commercial General Liability Coverage

Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage

Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage

Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.

Solution

As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance

Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.

Solution

Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Workers’ Compensation and Employers Liability Coverage

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds

Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.

Solution

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, business auto, and directors and officers liability insurance. It provides a great safety net and helps ensure your contractor business is well protected.

Contractor Insurance 101

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What Makes Arica's Insurance Special

Here’s what sets us apart when it comes to serving your insurance needs.

About Our Agency

Woman-Owned and Operated

We are proud to be a woman-owned and operated property casualty independent agency in Columbia County, NY.

Strong, Reliable Relationships

We believe in giving our clients an insurance experience they can depend on for their family and their business.

Solid Industry Expertise

We have over 20 years of combined industry experience in offering solutions for business and personal risks.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We are by your side every step of the way.
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
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Our Clients Rave About Us

Check out our five-star reviews and see why you should switch to Arica's Insurance.

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Here’s what makes us great.

“Arica and her team run an extremely professional outfit and will go the extra mile for their customers. They will always look out for their customers, and if you run into a problem, they will have your back. Their service goes well above and beyond.”

– BPC Services
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Hudson, NY

209 Fairview Avenue
Hudson, NY 12534

Proud to extend service across the Greater Hudson Valley, New York state, and clients nationwide.

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