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NY Small Business Insurance provides the best prices and policies for contractor liability, bonds, and house under renovation.

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Do you have a question or two about NY small business insurance? If so, you are not alone. In fact, many business owners have at least one question. Whether you want to know what coverage is available or how to apply for coverage, the team at NY Small Business Insurance is here to help you. We provide you with the information you need to make informed decisions about your business and its coverage.

Below, we have created a helpful FAQ based on the many questions we receive here in our office. These questions and answers should help you better understand small business insurance in NY. However, if you do still find you have a question or two, call our office at 347-486-3999.

What will business insurance cover?

There are many different forms of business insurance that you can purchase and that is why we recommend working with one of our agents. For example, commercial vehicle insurance will cover any accidents while driving the business car, whereas commercial property insurance will cover any losses that occur to your business property from fire, flood, etc.

Some of the available NY small business insurance we offer include:

  • Loss of income
  • Property insurance
  • Workers compensation
  • Liability
  • Commercial vehicle

How much will business insurance cost me?

The cost of business insurance will vary depending on the type you choose and how much coverage you need. The higher the limits and the riskier the business, the more your policy will be. Often times, a small business is able to be covered for just $500 per year, which makes it very affordable. As your business grows, there will likely be an increase in cost with some oversized businesses paying over $500,000 per year.

Is business insurance required by law?

Yes and no. Some business insurance is required by law. Any other business insurance options that are not required by law are optional to your small business in NY. Some required business insurance includes unemployment insurance, disability insurance, worker's compensation insurance, and professional liability insurance.

If you think you may need one of these coverage types, but are unsure of which one, call NY Small Business Insurance. We can help you!

Will business insurance cover a lawsuit?

Yes and no. Business insurance will cover a lawsuit if you have the appropriate amount of insurance and the correct liability insurance. If you purchase small business vehicle insurance only and someone sues your company for something other than an auto accident, no it will not be covered.

Often times, when companies are worried about a lawsuit, they will purchase an umbrella liability policy to ensure that they have the proper coverage.

How can I purchase NY small business insurance policies?

There are a few ways you can purchase a policy for your business. First, you can shop our website and request a FREE quote. Secondly, you can call our office at 347-486-3999. Lastly, you can stop in and visit us in the office to find out just how we can help you.

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