Business insurance
Find coverage that fits your business.
From the contractor's truck to the corner restaurant to the factory floor, every business has different insurance needs. We start by learning how yours works, then help you compare coverage options from carriers including The Hartford.
By industry
Coverage built for your line of work.
A roofing crew and a hair salon have different coverage needs. Find your industry to explore common risks and options to discuss with your agent.
Options for your business
Compare coverage from several carriers.
As an independent agency, we help you compare commercial coverage from carriers including The Hartford, with your operations and budget in mind. Through our SIAA membership (Strategic Insurance Agency Alliance) plus our own carrier appointments, we can reach even more specialty and regional markets, including tough-to-place risks.
Explore your coverage
Understand your business insurance options.
Business Crime
Can help reimburse your business for covered theft or fraud losses. Protection depends on the crime coverages selected, policy limits, and exclusions.
Learn moreGeneral Liability
Covers the everyday risk of your business causing bodily injury or property damage to someone else, plus the cost of defending those claims.
Learn moreBusiness Owners Policy (BOP)
Bundles your general liability and commercial property coverage into one convenient policy built for small and mid-sized businesses.
Learn moreCommercial Property
Protects the physical things your business owns and uses, from the building itself to the equipment and inventory inside it.
Learn moreWorkers' Compensation
Pays for medical care and lost wages when an employee is hurt or becomes ill on the job, and in New York it is required by law for most employers.
Learn moreCommercial Auto
Covers the vehicles your business owns, leases, or uses for work, along with the drivers behind the wheel.
Learn moreProfessional Liability (E&O)
Also called errors and omissions, it protects you when a client claims your professional advice, service, or work caused them a financial loss.
Learn moreCyber Liability
Helps your business respond and recover when a data breach, hack, or other cyber incident hits, including the costs that follow.
Learn moreCommercial Umbrella
Adds an extra layer of liability protection on top of your existing policies when a large claim exceeds their limits.
Learn moreHow it works
Simple, and built around you.
A short conversation
Tell us what you do, how you run it, and what questions you have about your coverage.
Understand your options
We help you compare coverage from The Hartford, Hanover, Security Mutual, Progressive, and more, so you can decide what fits.
Get help as things change
Your local agent can help with certificates, renewals, coverage changes, and questions when you have a claim.
FAQ
Business insurance: common questions
How do I get a commercial insurance quote?
Start with a short consultation. Tell us what you do and how you run it, and a local agent will help you compare coverage options from our carriers, including The Hartford.
How fast can I get a certificate of insurance?
Once you are a client, usually the same business day. If a job or a lease is waiting on it, tell us and we will prioritize it.
How can an independent agency help my business?
We represent many carriers, so we can help you compare coverage, limits, and costs and review your options at renewal. Your agent explains the differences so you can make an informed choice.
Do you cover businesses outside Buffalo?
Yes. We are based in Buffalo and licensed across all of New York State, serving businesses throughout Western New York and beyond.
What do you need to quote my business?
Usually your industry, revenue, payroll or employee count, and any current policies. We will guide you through it in the consultation.
Can you bundle my business and personal insurance?
Often yes. We handle both, so we can review them together and help you compare coverage and costs before deciding whether to combine them.
Let's protect what you've built.
Talk through your business's needs with a local agent and get help understanding your coverage options.