Small Business Insurance New York

Our insurance products are specifically designed to meet
the needs of New York small businesses. Connect with an
AmTrust-appointed agent to get a quote.

Choose AmTrust for Small Business Insurance in New York

Over two million small businesses make up 99.8% of all businesses in New York. These companies employ more than four million employees throughout the state. AmTrust is here to help New York small business owners get the insurance coverage they need to protect their business, their property and their employees from a variety of risks.

Featured Businesses: Astoria, New York

Astoria, New York, is full of life, people and cafes, a true “United Nations of Queens.” This unique area is home to AmTrust’s appointed agents and insureds. Learn more about one local agent, Stavros Vouyiouklakis, president of Stratford Insurance Agency, who considers his insureds as friends and not just clients, and why AmTrust is their partner for the long term.

Types of New York Business Insurance from AmTrust

AmTrust is an industry-leading provider of small business insurance solutions. We offer a wide array of robust commercial insurance coverage for New York small businesses, including:

Workers' Compensation

Workers' Compensation insurance protects your most valuable asset – your workforce. Should an employee suffer job-related injuries or accidents, workers' comp covers the cost of medical expenses, lost wages and retraining costs or compensation for permanent disability.

Businessowners Policy (BOP)

A Businessowners Policy, or BOP, combines basic required coverages normally purchased separately into one bundle for a lower premium. BOP policies include general liability, commercial property and business interruption, and you can add other coverages, like crime, cyber, employee benefits coverage and others as needed.

Cyber Insurance

Companies of all sizes are at risk for a cyber event, and cyber liability insurance provides your business comprehensive financial protection and expert assistance to navigate a broad range of cyber threats to your company's data, operations, and reputation.

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) is designed to protect your business in the event of an employment-related claim, such as wrongful termination, sexual harassment and retaliation and more. EPLI includes management liability products such as directors and officers (D&O) and excess management liability coverage.

New York Business Insurance Requirements and Laws

The state of New York requires all businesses with any number of employees, full or part-time, to have workers’ compensation insurance, which includes disability benefits. Commercial auto insurance is also required for businesses that utilize work vehicles to cover the cost of any accidents on the road.

According to the Bureau of Labor Statistics, New York recorded 129,000 nonfatal occupational injuries and illnesses in 2020. It’s recommended that New York small businesses be covered not only with workers’ compensation insurance but also have general liability insurance, professional liability insurance, cyber insurance and commercial property insurance.

Top Industries in New York

AmTrust offers a variety of small business insurance coverage to top industries in New York that can be customized to your individual needs. Some of the leading types of New York small businesses we cover include:

How Much Does Business Insurance in New York Cost?

The cost of business insurance for small businesses in New York depends on several factors. The size and location of the company, the specific industry, coverage limits and the various risks facing the employees all have an impact on the cost of coverage.

To get a quote, connect with an AmTrust-appointed agent today.

Resources for New York Small Business Owners

AmTrust is here to help small businesses in New York with a variety of resources to help protect the company and keep employees safe.

Helpful Links for New York Small Business Owners