Small Business Insurance in New York
Get Small Business Insurance in New York
biBERK is trusted by many companies for small business insurance in New York. We offer flexible policies to protect you from the many types of risk New York businesses face.
New York Workers' Compensation Insurance
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in New York to suit your business.Workers' Compensationchevron_right
New York General Liability Insurance
Also known as commercial liability insurance, a general liability policy is a vital type of business liability insurance in New York. It covers damages and legal costs associated with injury claims by customers and other people you don't employ (like from slip-and-fall accidents), damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.General Liabilitychevron_right
New York Business Owners Policy (BOP)
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. For example, if a severe storm damages your building, you may be covered. You can also tailor your BOP with add-ons including cyber hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.Business Owners Policychevron_right
New York Professional Liability Insurance
Also known as errors and omissions (E&O) insurance, this type of small business liability insurance in New York could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). If you’re an accountant, for example, and your calculation error costs a client money so they sue you, this policy may protect you. Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.Professional Liabilitychevron_right
New York Cyber Insurance
This type of business insurance in New York can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.Cyber Insurancechevron_right
New York Commercial Excess Insurance
Every New York small business insurance policy you purchase has a maximum value that it will cover in the event of an incident. Commercial excess insurance adds another layer of protection, as it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend a commercial excess policy to protect your company.Umbrella Insurancechevron_right
We Cover all Kinds of Professionals and Businesses in New York, Including:
- Assisted living facilities
- Auditors and accountants
- Auto body repair shops
- Aviation companies
- Barbershops and beauty parlors
- Bars, dance clubs, and lounges
- Building contractors
- Building electrician services
- Cabinet and parquet floor installers
- Carpentry services
- Cigar stores
- Concrete construction companies
- Concrete driveway installers
- Courier and messenger services
- Domestic service contractors
- Drywall construction companies
- Fast food restaurants
- Fitness centers
- Gardening services
- Garbage collection services
- Hardware stores
- Heating and air companies
- Home health care companies
- Landscaping services
- Marble and stone installers
- Masonry services
- Metal door and frame installers
- Metal fence installation
- Nursing homes
- Interior and exterior painters
- Physician offices
- Plumbing services
- Private limousine companies
- Public transportation services
- Sales and collection services
- Trucking companies
Why biBERK for New York Business Insurance?
We’re the experts when it comes to small business insurance in New York.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you - up to 20% less than policies with other insurance companies.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group and have decades of insurance experience.
Why is biBERK Better for New York Small Business Insurance?
For small business insurance in New York, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.
New York Business Insurance Wherever You Are!
Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:
- Business insurance in New York, NY
- Business insurance in Buffalo, NY
- Business insurance in Syracuse, NY
- Business insurance in Albany, NY
- Business insurance in Ithaca, NY
- Or anywhere in New York State!
What Coverage is Required for New York Small Businesses?
In New York, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in New York without a workers’ comp policy.
Other Policy Considerations
While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for example. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.
Get a Business Insurance Quote in New York
The cost of business insurance in New York depends on a number of factors, including industry, number of employees, and your amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.
Get an instant online business insurance quote in New York to see how affordable great coverage can be!
New York Small Business Insurance in Three Simple Steps
Get a Quote
Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.
Buy a Policy
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a Certificate
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.