The Empire State boasts one of the largest economies not just in America, but the entire world. If you’re serious about starting your business in New York, take some time to consider what kinds of insurance coverage you’ll need. Being covered means you can focus on growing your company without worrying about expensive insurance claims. When it comes to buying business New York liability insurance at the lowest rates, having a national insurance agency on your side can be a huge advantage.

It protects against third-party bodily injury and property damage, as well as personal and advertising injury. New York state law requires every business that has employees, full-time or part-time, to carry workers’ compensation. It also protects sole proprietors from work injury costs that health insurance might deny. Cyber liability insurance protects your business from liability if you’re the object of a cyberattack or data breach. A cyber liability policy will usually cover the cost to notify impacted customers and government agencies and pay for credit monitoring for your customers. Our knowledge of New York state labor laws, specifically pertaining to construction, gives business owners peace of mind as well as cost savings and a leg up on the competition.

Protecting your premises from fire with good housekeeping, building code compliance, fire protection systems and alarms could help avoid claims. Injuries to others might be avoided by installing lights where needed, keeping walkways and steps in good repair, posting signs in hazardous areas, and eliminating other hazards whenever possible. Agents are licensed representatives of insurance companies who are responsible for marketing its products.

We’re a national commercial insurance agency appointed to represent more than 35 insurance carriers throughout the U.S. We return business insurance quotes quickly with more efficient technology, highly trained insurance Specialists and dedicated underwriters servicing our agency. If you use a vehicle for work, you need to have commercial auto insurance.

General liability insurance (also known as CGL—for commercial general liability) is one of the most essential and effective ways to safeguard your business. It protects your business from the financial consequences resulting from liability related to third-party non-employee bodily injury or third party property damage that arises from your business operations. Without general liability insurance coverage, you could be in financial trouble in the event of an unfortunate accident involving a customer or other third party. General Liability Shop.com has already helped hundreds of business owners in New York find the most affordable quotes for their business liability insurance coverages.

Terms and conditions for rate and coverage may vary by class of business and state. No matter what your business is, if you’re in New York, you’ll benefit from being insured. If a non-employee slips and falls due to a workplace hazard or you accidentally damage a client’s property while working in their home, the last thing you need is to pay out-of-pocket for damages. In addition, project-specific general liability insurance is not required for storage sheds, garages or similar accessory uses for residential structures. Adaptable – We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to find protection that meets both your needs and budget.

It’s usually capped at a specific length of time or until your business is up and running again, whichever comes first. The type of insurance you will be required to have in New York will vary by the county you operate in. Contractors are required to be bonded if you work on public projects, like government-type jobs. Some counties will even require you to be bonded before you can get licensed. Contractors are also required to carry Workers Compensation insurance.