Small Business Insurance in New York

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844--9933 anytime.

Better, Regardless of Your Size

  • Keep employees by meeting NY insurance requirements

  • Get expert advice and access to a designated advisor

  • 24/7 availability with "best in class" user experience

  • Protect your profits while growing your business

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.

BASIC

Essential coverage for your New York business


General Liability

From
29
Month
Instant quote »

Includes:

  • Bodily Injury
  • Damage to third party property
  • Personal Injury

STANDARD

When you also have equipment or operate from an office


General Liability + Property (bundle them with a BOP)

Instant quote »

All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records

PRO

When you also have at least one employee


General Liability + Property and Workers Compensation (WC)

From
39 *
Month

* Plus Workers Compensation

Instant quote »

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

CUSTOM

When you have specific requirements


Including Commercial Auto, Surety Bonds, Umbrella, etc

Instant quote »
  • Choose your coverage

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

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.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Get a free quote, all you need to enter is your zip code to get started.

Or call (646) 844--9933 anytime.

Get protected easily with CoverWallet

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.

why coverwallet

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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Already insured?

No worries, keep your insurance, just get an account with us to manage your policies, certificates of insurance and more

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Need help? Get free advice

Understand in 10 seconds what type of insurance your industry needs, and why

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The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
State of the Art Technology

Algorithms, Science, Magic!

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.

Customized, Intelligent Application

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.

State of the Art Technology

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.

Are you ready to get down to business?

Enter your zipcode to get started or call (646) 844--9933 anytime.

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:

New York SBA District Office

26 Federal Plaza Suite 3100, New York, NY
Monday through Friday from 8:30 AM to 5:00 PM
Visit the website

NY Department of Financial Services

1 State St, New York, NY 10004
Monday through Friday, 8:30 AM to 4:30 PM
Visit the website