OTHER BUSINESS INSURANCE
Every Business Has a Story.
We’ll Help Protect Yours.
No business is cookie-cutter — and your coverage shouldn’t be either. We provide insurance solutions for a wide range of industries, tailored to the unique needs of your business.
BUSINESSES WE CAN HELP PROTECT
Coverage for Businesses of All Kinds.
No two businesses operate exactly the same way. We work with a wide range of industries and can help you explore coverage based on what your business actually does.
RESTAURANTS & HOSPITALITY
Restaurants • Cafés • Coffee Shops • Bars & Taverns • Bakeries • Caterers • Food Trucks • Hotels • Motels • Event Venues
RETAIL & SHOPPING
Retail Stores • Boutiques • Shopping Centers • Malls • Convenience Stores • Specialty Shops • Florists • Furniture Stores • Online Retailers
CONTRACTORS & TRADES
General Contractors • Electricians • Plumbers • HVAC • Carpenters • Painters • Landscapers • Roofers • Handymen • Other Skilled Trades
TRANSPORTATION & DELIVERY
Truckers • Delivery Businesses • Couriers • Taxi & Livery Services • Rideshare/Uber/Lyft Drivers • Commercial Fleets • Other Transportation Businesses
PROFESSIONAL & OFFICE-BASED BUSINESSES
Consultants • Accountants • Real Estate Professionals • Financial Services • Technology Businesses • Marketing & Creative Firms • Administrative Offices • Other Professional Services
HEALTH, BEAUTY & FITNESS
Salons • Barbershops • Spas • Fitness Studios • Gyms • Wellness Businesses • Healthcare Offices • Other Health & Personal-Care Businesses
FARMS & AGRIBUSINESS
Farms • Agricultural Operations • Farm Markets • Agribusinesses • Nurseries • Greenhouses • Other Agriculture-Related Businesses
PROPERTY & REAL ESTATE BUSINESSES
Landlords • Rental Properties • Commercial Property Owners • Office Buildings • Shopping Centers • Mixed-Use Properties • Property Management Businesses
AUTOMOTIVE & SERVICE BUSINESSES
Auto Repair Shops • Body Shops • Service Businesses • Cleaning Companies • Maintenance Businesses • Other Local Service Providers
MANUFACTURING, WAREHOUSING & MORE
Manufacturers • Warehouses • Distributors • Wholesalers • Light Industrial Businesses • Nonprofits • Home-Based Businesses • Specialty Operations
DON’T SEE YOUR BUSINESS LISTED?
Have a Unique Business? Start With a Conversation.
If your business isn’t listed above, you have a unique operation, or you simply aren’t sure what type of insurance you need, that doesn’t mean we can’t help. Tell us what you do, and our team can help you work through your exposures and identify the types of coverage worth considering.
You don’t need to know the name of the policy before you call us. Start by telling us how your business works, and we’ll help you tease out the coverage conversation from there.
THE COVERAGE MAY LOOK DIFFERENT FOR EVERY BUSINESS
Your Industry Is Only the Starting Point.
The right insurance package depends on how your business actually operates. Depending on your needs and carrier eligibility, the conversation may include one policy or several types of coverage working together.
GENERAL LIABILITY
Protection for certain third-party bodily injury, property damage, and personal or advertising injury claims.
BUSINESS OWNERS POLICY (BOP)
For eligible businesses, a BOP can combine general liability, commercial property, and other commonly needed protections in one policy.
COMMERCIAL PROPERTY
Coverage for eligible buildings, business personal property, equipment, inventory, and other insured property.
COMMERCIAL AUTO
Coverage for eligible business-owned vehicles and business driving exposures.
WORKERS’ COMPENSATION
Coverage designed to address eligible employee work-related injuries and illnesses, subject to New York requirements and policy terms.
PROFESSIONAL LIABILITY / E&O
Coverage for certain claims alleging errors, omissions, negligence, or failures in professional services.
CYBER LIABILITY
Protection for certain data breaches, cyberattacks, privacy events, and other covered technology-related exposures.
UMBRELLA / EXCESS LIABILITY
Additional liability limits may be available above certain underlying business policies.
INLAND MARINE / TOOLS & EQUIPMENT
Coverage may be available for eligible tools, equipment, property in transit, or property that regularly moves away from a fixed location.
EMPLOYMENT PRACTICES LIABILITY (EPLI)
Coverage for certain employment-related claims, which may include allegations such as wrongful termination, discrimination, harassment, or other covered workplace practices.
BONDS / SURETY
Depending on the business or contract, surety bonds may be required for licensing, permits, contracts, construction work, or other obligations.
LIQUOR LIABILITY
Coverage may be available for eligible businesses with alcohol-related exposures, including certain restaurants, bars, taverns, caterers, and event operations.
PRODUCT LIABILITY
Coverage for certain claims involving bodily injury or property damage allegedly caused by products a business manufactures, distributes, sells, or supplies.
BUSINESS INCOME / BUSINESS INTERRUPTION
Coverage may help with certain lost business income and continuing expenses after a covered loss, subject to policy terms and applicable waiting periods.
EQUIPMENT BREAKDOWN
Coverage may be available for certain sudden and accidental mechanical, electrical, or pressure-system breakdowns involving covered business equipment.
CRIME / FIDELITY
Coverage may be available for certain losses involving employee dishonesty, theft, forgery, fraud, or other covered crime-related exposures.
DIRECTORS & OFFICERS (D&O)
Certain businesses and nonprofit organizations may need coverage for eligible claims involving management decisions or alleged wrongful acts by directors and officers.
FIDUCIARY LIABILITY
Coverage may be available for certain claims involving the administration or management of employee benefit plans and related fiduciary responsibilities.
HIRED & NON-OWNED AUTO
Coverage may be available for certain liability exposures involving vehicles rented, hired, or used for business purposes but not owned by the business.
OTHER SPECIALTY COVERAGE
Depending on your industry, contracts, operations, property, employees, and other exposures, additional policies, bonds, endorsements, or specialty-market coverage may be worth considering.
A SMARTER BUSINESS INSURANCE REVIEW
What We Look at Beyond the Premium.
A catch-all business page should not mean catch-all coverage. We start with the business itself and work outward from there.
WHAT YOU DO
The products you sell, services you provide, work you perform, and the industry you operate in.
WHERE YOU DO IT
Whether you operate from an office, storefront, restaurant, farm, warehouse, jobsite, customer location, vehicle, home, or multiple locations.
WHO WORKS FOR YOU
Employees, owners, subcontractors, drivers, seasonal staff, and other people connected to the operation.
WHAT YOU OWN OR USE
Buildings, inventory, tools, equipment, vehicles, technology, and other property that keeps the business running.
WHO YOU SERVE
Customers, clients, tenants, passengers, vendors, and members of the public can create different liability exposures.
WHAT YOUR CONTRACTS REQUIRE
Landlords, clients, lenders, municipalities, vendors, and other parties may require certain policies, limits, certificates, endorsements, or bonds.
BUSINESS TYPES CAN COME WITH SPECIAL QUESTIONS
A Few Examples of Why the Details Matter.
RESTAURANTS & HOSPITALITY
Property, general liability, equipment, food-related exposures, employees, liquor exposure where applicable, and business interruption can all affect the insurance conversation.
RETAIL, BOUTIQUES & SHOPPING CENTERS
Inventory, customer foot traffic, property, signage, tenants or common areas, and liability exposures can vary widely between a single shop and a larger retail property.
TRUCKERS & TRANSPORTATION
Vehicle type, radius, cargo, ownership, drivers, filings, and the exact transportation operation can affect eligibility and the coverage required.
RIDESHARE, TAXI & FOR-HIRE DRIVING
Personal auto insurance should not automatically be assumed to cover commercial or app-based driving. Coverage needs can change based on whether the vehicle is used for rideshare, taxi, livery, delivery, or other for-hire activity and on carrier eligibility.
FARMS & AGRIBUSINESS
Farm property, buildings, equipment, livestock, vehicles, products, operations, and liability exposures can require a more specialized insurance conversation.
PROFESSIONAL & SPECIALTY BUSINESSES
Businesses built around advice, expertise, technology, or specialized services may need professional liability, cyber, or other coverage beyond a standard general liability policy.
The NY Insurance Hub Difference
Tell Us About the Business. We’ll Help You Sort Through the Insurance.
You should not have to walk into an insurance conversation already knowing every policy name, endorsement, or coverage form your business needs. Our job is to ask the questions that help uncover the exposures and then explain the available options in plain language.
As an independent insurance agency, NY Insurance Hub works with multiple insurance carriers and markets. That gives us the ability to explore available options for many different types of businesses rather than trying to fit every client into the same box.
MORE THAN ONE CARRIER
We can explore available options through the carriers and markets we work with, subject to underwriting and eligibility.
A CONVERSATION BUILT AROUND YOUR BUSINESS
We start with what you do, how you operate, what you own, who works for you, and where your exposures may be.
HELP IDENTIFYING THE COVERAGE
If you are unsure whether you need general liability, property, commercial auto, workers’ compensation, cyber, professional liability, EPLI, bonds, or something more specialized, we can help you work through those questions.
PEOPLE YOU CAN COME BACK TO
Businesses change. New locations, vehicles, employees, services, equipment, contracts, and questions happen. Our team is here when they do.
HOW IT WORKS
From “I’m Not Sure What I Need” to a Clearer Plan.
1. TELL US WHAT YOUR BUSINESS DOES
2. WE HELP IDENTIFY THE EXPOSURES
3. WE EXPLORE AVAILABLE OPTIONS
4. WE’RE HERE AS THE BUSINESS CHANGES
OTHER BUSINESS INSURANCE FAQS
Questions for Businesses That Don’t Fit Neatly in a Box.
My business isn’t listed on this page. Can you still help?
I don’t know what type of business insurance I need. Is that okay?
Can you insure restaurants, retail stores, or shopping centers?
Do you write farm or agribusiness insurance?
Can you help trucking or transportation businesses?
What about Uber, Lyft, taxi, livery, or delivery drivers?
Can one business need several different insurance policies?
What if my business has several different operations?
Can NY Insurance Hub review the business insurance I already have?
What information should I have ready when I call?
STILL NOT SURE WHERE YOUR BUSINESS FITS?
That’s Exactly What We’re Here For.
Whether you run a restaurant, a farm, a retail shop, a trucking operation, a professional office, a specialty service business, or something that is harder to categorize, start with a conversation. Tell us what you do and we’ll help you work through the insurance questions from there.
READY WHEN YOU ARE
Your Business Is Unique. Your Insurance Conversation Should Be Too.
Connect with a local NY Insurance Hub agent and tell us about your business. We’ll help you identify the coverage worth considering, explore available options, and take the next step with a clearer understanding of what your business may need.