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 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 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 advisors will listen to every concern, can translate the lingo into simpler terms, and offer suggestions when better options are available.
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. We love serving our community and couldn’t imagine being anywhere else.
Our staff has been with us for a long time — many over a decade. Having a dedicated 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.
Connect with an advisor
Want personalized guidance from an insurance advisor about protecting your business?