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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 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.

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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 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 general liability insurance in NY, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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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.

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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.

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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.

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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
  • 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

When is Business Insurance Crucial for New York Companies?

Having adequate business insurance coverage is vital at every stage in a company’s development.

Owners of established businesses

Owners of established businesses also rely on biBerk. They value our attentive service and the flexibility of our policies. Since they’ve been in operation for a while, these owners often have an established insurance strategy and turn to us for the tailored coverage needed to maintain adequate financial protection as their businesses grow and evolve.

Small business consultants

Small business consultants are another group of professionals that reach out to us. They view biBerk’s offerings as essential for their clients. These advisors know they can get insights from us that enable informed decision-making for their clients. They understand that we stay abreast of insurance trends and regulations and are happy to share our knowledge.

Startup founders

Startup founders turn to biBerk as they launch their businesses because they need affordable coverage that provides reliable financial protection. They also appreciate the guidance our licensed insurance experts can provide regarding the policies they need, limits they should select, and other aspects of their insurance coverage. Creating a small business is an investment. It’s critical to shield your venture from unexpected expenses.

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.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

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!

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, 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 do biBerk Customers Say?

What Coverage is Required for New York Small Businesses?

Workers' Compensation

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 for 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

  • Is small business insurance mandatory in New York?


    In New York, certain types of insurance may be required depending on your business type and the number of employees you have. For instance, workers' compensation insurance is typically required for businesses with employees, while other types of insurance like general liability may not be mandatory but are highly recommended to protect your business.

  • What types of insurance are required for small businesses in New York?


    Workers' compensation insurance is generally required for most businesses in New York that have employees, with few exceptions. Additionally, depending on the nature of your business, you may need other kinds of insurance, like general liability, professional liability, or commercial property insurance.

  • How can I obtain workers' compensation insurance in New York?


    In New York, you can purchase workers' compensation insurance through authorized private insurance carriers (like biBerk), or you can choose to self-insure if you meet certain financial requirements. The New York State Workers' Compensation Board oversees workers' compensation insurance regulations and can provide guidance on obtaining coverage.

  • What are the penalties for not having the required insurance in New York?


    Failing to carry required insurance in New York (workers' compensation, for example) can result in significant penalties. Employers who don’t provide workers' compensation coverage may be subject to fines, legal actions, and potential lawsuits by injured employees.

  • How can I get affordable small business insurance in New York?


    biBerk offers 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 and save up to 20%.