Small Business Insurance in New York
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Coverage Plans for All Your Needs
Starting a business in New York opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your New York business
General LiabilityInstant quote »
- Bodily Injury
- Damage to third party property
- Personal Injury
When you also have at least one employee
General Liability + Property and Workers Compensation (WC)
* Plus Workers Compensation
All standard plan benefits and:
Coverage for work-related accidents and diseases and subsequent:
- Ongoing medical care (such as rehab)
- Missed wages during recovery
- Legal fees
We've Got You Covered with Coverage You Need
Whether you’re looking to satisfy New York requirements with Workers Comp and Disability Insurance or know insurance is the only way to protect your finances, we’ve got you covered.
The first policy any business should purchase. It pays for claims where your business is found at fault for bodily injury, physical damage to another party during business activity. It also covers lawsuits from libel, slander, and false advertising
Provides coverage against damages to your building, properties, equipment and spoiled food caused by any of these events.
Required by New York if you have employees, Workers Comp pays costs stemming from employee injury on the job. It includes medical expenses and lost wages. Employees forfeit their right to press charges when they utilize benefits from this insurance.
Whether you have a commercial vehicle or use a personal vehicle for business activity, this is an important coverage. It covers claims associated with vehicle accidents you are at fault for, while driving for business purposes.
Small businesses suffer from cyber and data breaches every day. Without Cyber Liability Insurance, you are responsible for all costs associated with a breach. Coverage is included for investigation, notifying consumers according to state law, and public relations.
Frequently Asked Questions
How much will it cost to insure my New York business?
It depends on the carrier, type of business, and what types of insurance. Insurance carriers review claims history, experience, and the details of your daily operations to determine insurance premiums.
Do I need Worker’s Compensation Insurance?
Worker’s Compensation is required for businesses with employees in New York State. Even if you only have one employee, you still need to purchases this coverage.
I use my car for business, what limits do I need to carry?
New York requires $10,000 for property damage, $25,000 for bodily injury and $50,000 for death for one person. ($50,000 and $100,000 for more than two people). You will also need a Business Auto policy for coverage.
What limits do I need for General Liability Insurance?
Most small businesses choose a policy with one million dollars in coverage. If you are a larger business, you may need two or three million dollars in coverage.
What happens if I don’t buy insurance for my business?
You risk paying expenses from any incidents or lawsuits. In most cases, it’s a better decision to pay a few hundred dollars to prevent a few thousand dollars in expenses.
Peace of Mind, At Your Fingertips
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
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We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
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We’re like Bruce Wayne! We’ve built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
References for Small Businesses in New York
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business: