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NEW YORK BUSINESS INSURANCE

Protect your business with customized commercial insurance from Selective and your independent agent.

New York's diverse economy is driven by businesses in industries such as construction, manufacturing, and mercantile services.

Whether you operate in Manhattan or near the Adirondack Mountains, securing comprehensive commercial insurance can help protect your business against general and industry-specific risks.

With a network of trusted agency partners spanning the state, you can rely on Selective to tailor a business insurance policy that meets your unique commercial needs.

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BUSINESSES WE INSURE IN NEW YORK

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve New York businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), electrical work, building services, excavation and land grading, street/road construction and water/sewer construction, water well drilling, painting and paper hanging

• Manufacturers and Wholesalers – electronics and electrical equipment, fabricated metals, furniture and fixtures, industrial machinery, miscellaneous manufacturing, technology

• Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms

• Mercantile Services – building owners/lessors risk, retail food, retail goods, public golf courses

• Auto Services – including repair shops and body shops

• Consumer Assistance Programs – social services, senior living, municipalities, volunteer fire departments, private schools

Don't see your profession or want more information? Find a local independent agent in New York for answers and a business insurance quote.

New York Business Insurance from Selective

Selective and your independent agent can help you reduce risk and protect your business by customizing a business insurance solution tailored to you.

Business Interruption

Business interruption insurance helps protect your company against income loss in case of a covered incident that forces you to suspend business operations. This type of insurance also assists with rent or lease payments, relocation costs, employee wages, taxes, and loan payments until your business can reopen.

Business interruption insurance does not usually cover damages or losses from flooding, earthquakes, mudslides, and other natural disasters. However, there are additional coverages you can purchase to help protect against these risks.

Business liability insurance in New York can help protect your company from liability claims, including allegations of third-party property damage, bodily injury, false arrest, reputational damage, and more. In addition to providing financial protection, commercial general liability insurance may help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Commercial property insurance can help protect your physical assets, including furniture, inventory, and business equipment. It may also pay for repair or replacement costs in the event of losses due to fires, vandalism, or other covered risks that may damage your insured building or its contents.

Ensuring the safety and security of your assets is crucial for any company, as is keeping your business running after a loss, so talk to your independent agent about New York business insurance from Selective.

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Cyber Liability Insurance for New York Businesses

Cyberattacks are a growing risk that all New York businesses should prepare for. Selective's Cyber Liability Insurance can help protect your business against losses related to cybercrime.

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Cyber Liability Insurance for New York Businesses

Additional Coverages for New York Businesses

Selective offers a variety of insurance coverages and enhancements in New York that can help address specific risks in your business, including:

Workers Compensation can help pay for medical treatment, rehabilitation, lost wages, and disability benefits if an employee has a work-related injury or illness. It can also help protect you as a business owner by helping pay for legal costs if an injured worker sues your business.
Commercial Flood Insurance in New York helps protect your physical buildings or structures from flood-related losses, including damage to the foundation, walls, HVAC, wiring, and more. It can also protect you if there is a loss of contents, including furniture, equipment, inventory, and more.

Product Recall can help your business navigate product recalls, minimize financial losses, and pay for covered expenses such as hiring temporary employees or product disposal.

Management Liability Insurance is a suite of coverages that can help protect your business from financial losses not typically covered under standard commercial general liability policies. MLI coverages include Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability (FLI).
Commercial Auto Insurance can help protect your company vehicles and drivers on and off the road. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is at fault.

FREQUENTLY ASKED QUESTIONS ABOUT NEW YORK BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in New York?

The cost of commercial insurance varies from business to business in New York. Factors that can affect your cost include (but are not limited to) the number of employees, location, payroll, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy to match.

Is Workers Compensation Insurance Mandatory for Employers in New York?

Businesses in New York must carry worker's compensation insurance if they employ one or more full-time, part-time, seasonal, or occasional workers. Without workers' compensation insurance, you may be held liable for all benefits provided under New York law if an employee gets injured or becomes ill on your premises. A worker's compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.