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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
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
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.
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.
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.
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.
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.
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.
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.
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
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.
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.
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: