If you’re a New York business owner, you’re required by law to purchase certain types of commercial insurance. If your business is in the Albany, NY, area, we invite you to visit our office and speak with one of our experienced agents. Our team at NY Twin Bridges Insurance Agency will take the time to help you determine which types of commercial insurance your business needs. We’ve been providing insurance services since 2011.

New York’s Commercial Insurance Requirements

There are many types of commercial insurance available, and as a business owner, you may wonder which ones are legally required. Two of the most important types are property and liability insurance. Liability insurance helps cover your expenses if you’re sued by a client, while property insurance covers damage to your buildings or equipment.

Employers are also required to carry workers’ compensation insurance to protect their employees. If your business owns any vehicles, you’ll need commercial auto insurance, and companies with a significant online presence often benefit from cyber insurance. It’s worth noting that health insurance isn’t required under New York state law for most small businesses; under the federal Affordable Care Act, only employers with 50 or more full-time equivalent employees are required to offer coverage. Additional types of insurance that could benefit your company include business interruption, key person, and errors and omissions insurance.

Call Us Today for Your Appointment

With so many insurance options to consider, you may be glad to know that our team at NY Twin Bridges Insurance Agency is independent. Being independent means we can offer a wide range of policies. You’ll find that we provide excellent customer service for companies in the Albany, NY, area. Contact our office today to schedule your appointment.