Combine property and liability insurance into one comprehensive policy. Save time and money compared to purchasing separate policies for each coverage. Additionally, BOPs can include coverage for business interruption and additional expenses, providing even more protection for your business.
Business Insurance in New York
Shopping alone for insurance can be confusing, time‑consuming, and frustrating — how can you be sure you’re getting the right type of and amount of protection when there’s so much fine print, nuances, and industry jargon?
Easy: leverage our decades of experience navigating New York’s regulations and unique risks.
A team of experts ready to guide you
Your business in New York needs a whole team — accountants, bookkeepers, lawyers, IT consultants — why do few include insurance advisors?
Insurance has a poor reputation, but that doesn’t mean it’s actually bad. To get the most out of it, think of it as an investment that is meant to keep your business running if anything should happen.
Our Manhattan-based insurance advisors can save you from headaches by making sure you:
- identify your risks and exposures
- have the right policies in place
- aren’t paying more than you need to
- keep your policies up‑to‑date
- get assistance with claims
- receive ongoing support
Get expert advice and support at no cost!
Getting your own insurance online isn’t what it’s made out to be. Our Manhattan-based advisors will listen to every concern, can translate the lingo into simpler terms, and offer suggestions when better options are available. Because of our excellent customer service, we have developed long-lasting relationships with entrepreneurs in Queens, NY and other boroughs all over NYC.
Business industries we specialize in supporting
Why choose HCP Insurance as your insurance brokerage
We’re an established business in Manhattan — have been forthree generations — and we’re not going anywhere! It means a lot to us that we are trusted by so many local businesses and families in communities like Queens, NY. We love serving our community and couldn’t imagine being anywhere else but New York City.
Our staff has been with us for a long time — many over a decade. Having a dedicated Manhattan-based team that has been here for years is important to us. They all have great relationships with our customers. Our customers love that their advisor has been with them for years.
Are you looking for specific coverage?
Any business that stores data, handles credit cards, or medical information needs to protect itself against the rising threat of cyber crime. This coverage protects your business from risks relating to information technology infrastructure and activities, and from data breaches involving sensitive customer and employee information.
Whether nonprofit or private company, if you have a board, this is an important coverage. It protects your board of directors and company officers in the event they are sued for actions or decisions made in their capacity as directors and officers.
This mandatory coverage protects your business in the event of employee injury by taking care of employee medical expenses and missed wages, as well as legal expenses if you’re sued.
Extends your liability coverage for extra protection if the cost of a claim exceeds the limits of your underlying primary insurance policies to further protect your business assets.
If you have even 1 employee, you need to protect your business against claims by workers of sexual harassment, race discrimination, wrongful termination, failure to promote, even wrongful infliction of emotional distress.
Any company that interacts with the public needs to protect their business from financial loss as a result of claims for injury, medical expenses and damage to property caused to others by you or your employees.
Coverage for claims of negligence, errors, or omissions that may arise from the services you provide to clients. It can also cover legal fees and settlements, which can be very costly without insurance.
Get coverage for damage to your buildings, equipment, and inventory due to events such as fire, theft, and vandalism. It can also include coverage for business interruption, which can help replace lost income if your business is unable to operate due to a covered loss.
Home owners insurance is something that every homeowner needs for liability. Whether you are in Queens, NY, or Manhattan, NY, our team is here to connect you with the homeowners insurance you need.
Connect with an advisor
Want personalized guidance from an insurance advisor about protecting your business?
Frequently Asked Questions:
Owning a business in New York can be your ticket to a better life for you and your family, but it also exposes you to a great deal of risk. From worker’s compensation claims to premises liability lawsuits, many situations could cost you if you don’t have the right coverage. Working for yourself can indeed help you achieve all your dreams, but operating without coverage is like walking a tightrope with no safety net. Whether you are operating in Queens, NY or anywhere else in the New York area, getting the right coverage can prevent you from losing money.
If you want to operate in the State of New York, you will be required to carry certain types of coverage. Businesses that have employees are required to carry worker’s compensation insurance. If the work you do requires vehicles, you will also have to obtain a commercial auto policy. While these are the only legally required types of coverage you will need, it is highly recommended that you look into additional policies that cover specific situations.
One of the most valuable types of policies you can purchase is known as general liability coverage, and it covers third-party bodily injury, third-party property damage, and personal and advertising injury. That means if someone is injured on your premises, your policy will cover their medical bills. If their property is damaged, your policy will cover repairs. It will also cover your legal defense if you are accused of libel, slander, or copyright infringement. This is one of the most versatile policies available, which is why we recommend it to all businesses, small and large.
You may also want to look into the following types of coverage for your company in NY:
- Commercial property coverage
- Professional liability
- Cyber liability
- Employment practices liability
You might also want to think about obtaining a business owner’s policy, which is a type of umbrella coverage that includes many of the insurances listed above. By bundling your policies together, you may be able to save money compared to purchasing each policy individually.
The cost of business coverage in NY can vary greatly depending on the specific types of policies you want to purchase and how much coverage they provide. If you want to find out more about the cost of general liability insurance in NY and other types of commercial coverage, the best thing to do is to get in touch with one of our agents. We will be happy to discuss your options with you and give you a quote.
Every business is different, which is why we offer flexible coverage to meet your needs. In many cases, one of our commercial policy bundles will be the most cost-effective. For example, if you don’t have any employees, you aren’t required to carry worker’s compensation insurance in NY, nor would it make sense for you to carry it. Your policy can easily be customized to include only the coverage you need so you won’t have to pay for commercial coverage that is not necessary.
At HCP, we make it simple to file a claim. If you ever need to use your coverage, all you have to do is call us and an agent will walk you through the process. Our mission is to provide coverage for businesses in NY without all the jargon and confusing language employed by many other companies. Whether you have made claims before or it’s your first time, we will explain your coverage to you in simple terms so you can make the best decisions about how to go forward.
In today’s fast-paced business world, protecting your enterprise is crucial. At Honig Conte Porrino Insurance Agency, we provide tailored business insurance solutions to minimize financial risk and give you peace of mind. Serving Queens, NY, Manhattan, NY, and the surrounding areas, our experienced team offers a variety of coverage options, including general liability, professional liability, and industry-specific insurance. Whether you're a small startup or an established business, we’ll assess your unique risks and create a strategy that protects your assets and operations. Trust us to navigate the complexities of insurance so you can focus on growing your business.
Call us today to find out more about professional liability insurance in NYC or any other type of commercial coverage you may need.
