Small business insurance in New York
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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. Learn about business insurance in NY.
New York General Liability insurance
Most companies need general liability insurance in New York. 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 who don’t work for you (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. These protections are a cornerstone of effective liability insurance in New York. Plus, there are endorsements you can add to customize your general liability insurance in NY, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
General Liabilitychevron_rightNew York Business Owners Policy (BOP)
Also called property & liability insurance, a business owners policy (BOP) conveniently 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. This comprehensive approach makes a BOP a popular choice for New York business insurance. For example, having a business owners policy in New York means that if a severe storm damages your building, you may not have to bear the full weight of the resulting expenses. 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_rightNew 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. Many professional service agreements require this form of commercial insurance in New York.
Professional Liabilitychevron_rightNew 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_rightNew 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_rightWhy is small business insurance important in New York?
Financial safety
New York small business insurance from biBerk is crucial for multiple reasons. It provides a critical financial safety net against claims, lawsuits, and property damage, which is essential for navigating the state's fast-paced business environment. Many contracts and commercial leases also require specific types of coverage before you can begin work. Having the right small business insurance in NY is really non-negotiable.
Ultimately, having the right coverage and meeting any business insurance requirements in NY for a company like yours allows you to operate confidently, protect your personal assets, and secure your company’s long-term success. That's the peace of mind that New York business insurance provides.Key coverage
As a new business owner in particular, figuring out which policies you need is a crucial first step. For instance, most businesses that interact with the public need general liability insurance to cover accidents or property damage. If your company provides professional services or advice, professional liability insurance (also known as errors & omissions or E&O) is vital for protecting against claims of financial harm. Our licensed experts can help you understand exactly what your new venture needs.
Certificate of Insurance
Keep in mind that it's wise to secure your coverage early in your business planning process. You will often need to provide a Certificate of Insurance (COI) before you can sign a commercial lease, secure a business loan, or finalize contracts with your first clients. Arranging your insurance ahead of time prevents costly delays and ensures you can launch and operate smoothly from the very beginning.
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
- Drugstores
- 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
- Restaurants
- Sales and collection services
- Trucking companies
How to get business insurance in New York
Securing the right business insurance in New York state is a critical step. Our process is designed to be simple and fast, getting you the coverage you need without unnecessary delays.
- Assess your needs. You must understand the specific risks your New York business faces to determine the most appropriate types and amounts of coverage.
- Request a quote. Get a fast, free quote online to see the protection we can offer your business.
- Compare your quote. When you review our quote, you'll see how you can save up to 20% by avoiding the middleman or broker fees common with other providers.
- Purchase your policy. Finalize your purchase online in just a few minutes.
- Download your COI. Immediately after payment, you can access your Certificate of Insurance to provide proof of coverage whenever it's needed.
Obtaining New York business coverage is something you can check off your to-do list quickly and efficiently. Our goal is to be the top choice for small business insurance in NY.
Established business
If you’re an established small business owner, you already know the importance of protecting your investment. The right insurance is more than just a safety net. It is a mark of stability and professionalism that reassures your customers, partners, and employees that you are built to last.
Operating successfully in New York means navigating unique challenges, from potential liability in high-traffic commercial areas to complying with a complex web of local regulations. Having comprehensive coverage from biBerk gives you the confidence to manage these risks effectively, ensuring that an unexpected event does not disrupt the smooth operation you have worked so hard to build.
Additionally, being properly insured is a strategic asset for growth. When you are ready to expand into new locations, bid on larger contracts, or secure financing for the next phase of your business, having a solid insurance portfolio in place is often a prerequisite. It demonstrates to lenders and partners that you are a responsible, low-risk investment, opening doors to new opportunities across the state and beyond.
Why biBerk for New York business insurance?
We’re the experts when it comes to small business insurance in New York.
Save time.
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.
Save money.
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.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Why is biBerk better for New York small business insurance?
For New York business insurance, 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. This financial strength backs every policy we write for small business insurance in NY. For example, if you're an independent contractor or freelancer researching business insurance in New York, our approach is designed to help you succeed. Having your own business insurance is a powerful way to demonstrate professional credibility. It signals to potential clients that you are a serious, reliable professional, which can be the deciding factor that helps you land larger projects and build long-term, high-value relationships.
Get the Coverage You Need
We make it simple to understand the coverage you need. A general liability policy is often required by client contracts to protect against accidental property damage or injuries. If you provide expert advice or creative services, a professional liability (E&O) policy protects your work and your finances from claims of errors or negligence. Many clients will ask for a Certificate of Insurance (COI) before they will sign a contract or issue your first payment. By securing your policy with biBerk ahead of time, you can provide this proof instantly, preventing last-minute delays and ensuring you can start new projects on schedule.
New York business insurance wherever you are!
biBerk is your source for commercial insurance in New York. Since we’re an online insurance provider, you can connect with us easily, wherever you are. We’ve got you covered for business insurance in NYC and throughout the state.
- 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 should New York small businesses consider?
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 for commercial insurance in New York. This is a key factor in the cost of commercial insurance in New York.
Get an instant online business insurance quote in New York to see how affordable great coverage can be!
New York business insurance: frequently asked questions
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Is small business insurance mandatory in New York?
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When it comes to business insurance in NY, certain types may be required depending on your business type and the number of employees you have. Others, like general liability, may not be mandatory but are highly recommended to protect your business.
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What types of insurance are required for small businesses in New York?
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Depending on the nature of your business, you may need various kinds of insurance, like general liability, professional liability, or commercial property insurance.
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What are the penalties for not having the required business insurance in New York?
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Failing to carry required insurance in New York can result in significant fines and even legal action in some instances.
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How can I get affordable small business insurance in New York?
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biBerk is a reliable business insurance provider, offering budget-friendly (yet comprehensive) business insurance coverage in New York. Our direct-to-you approach means you can save up to 20% over other providers.
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.
Get a quote today
Trust biBerk for business insurance in NY. Our decades of insurance experience, comprehensive coverage options, and proven claims process maximize your protection while removing the hassles often associated with business insurance. Plus, you may save up to 20%.