New York Small Business Insurance
Insurance built for your small business in the Empire State
As Featured In
Rated 5 stars
As Featured In
Rated 5 stars
What makes Foxquilt different?
Tailored To Your Business
Create Your Policy In Just A Few Taps
Only Pay For What You Need
Rated 5 stars by business owners
See why other business owners, just like you, love Foxquilt's smarter coverage, 5-star service and insurance built for them.
Purchasing my small business insurance policy through Foxquilt was a BREEZE! My documents were sent to my email within minutes of my purchase. Thank you for making insurance easy for me!read more
Super impressed. Very user friendly site/application. Had my insurance policy within an hour! Super happy with the price, policy, coverage and overall serviceread more
Best customer service ever! Fair prices. Easy to understand and easy to access and navigate. Hands down, LOVE Foxquilt!read more
Insurance for New York Small Business Owners
What Insurance Coverages Should New York Small Businesses Have?
Like many small business owners in the country, New York entrepreneurs start with Commercial General Liability (or CGL insurance) as the core of their insurance policy. That's because it provides some of the most basic coverage for your business, like property damage or third-party injury. Think breaking client's equipment or the classic slip-and-fall scenario.
While it's not required by law for you to carry Commercial General Liability insurance in the state of New York, you'll very quickly hit a wall without it - especially if you're trying to grow your business. Landlords, equipment rentals, online marketplaces, trade shows, and more will very likely request proof of insurance.
Some other insurance coverages to consider for your small business: Commercial Property, Professional Liability (E&O), Cyber Insurance, Commercial Auto Insurance, and Mobile Equipment.
Although Commercial General Liability insurance is not a legal requirement in the state of New York, one insurance coverage that you likely will be required to carry is Workers' Compensation (or Workers' Comp). Almost every state in the US requires most business owners to have Workers' Compensation by law, and New York is no exception. Workers' Comp helps provide a protection plan and financial support in the case of an employee getting hurt or sick while on the job. From medical cost assistance to lost wages, Workers' Compensation is a critical way to protect your team. Learn more about Workers' Comp here.
Commercial General Liability
Commercial Property Insurance
Workers’ Compensation
How Foxquilt Insurance is Built for Small Businesses in New York
Let’s face it—traditional business insurance can be a hassle and complicated. That’s why Foxquilt is changing the game. We’ve made it super simple for small business owners like you to customize and buy your insurance completely online - no headaches, no waiting.
Just answer a few quick questions, and our platform will build a policy that actually fits your business (without tacking on stuff you don’t need). You can get a quote, lock it in, and have your policy docs delivered to your inbox - all in just a few minutes.
Insurance in New York is getting even trickier for business owners as more and more providers and solutions drop out of the state. Foxquilt is doing the opposite; we're all in for New York! We even offer insurance coverage for interior contractor work in all 5 boroughs - seriously!
Plus, we get that cash flow is key when you’re running a small business, so we offer flexible payment plans and accept credit cards to let you have more purchasing power.
Got questions or need help? Just click “Need Help” and one of our friendly team members will be right there to support you.
Commercial General Liability Insurance Claim Examples
Client Injury
Property Damage
Workplace Injury
While on a handyman service call, your client trips over your equipment and sprains their ankle. Your CGL insurance coverage helps with their medical costs.
Frequently Asked Questions
How Long Does It Take to Get Business Insurance in New York?
With all the back-and-forth emails and never-ending phone calls, getting business insurance from other providers can be a total hassle and time-suck. Foxquilt makes things way easier. Just hop online, answer a few quick questions, and you’ll get an instant quote. Like what you see? You can buy your policy right away and we’ll email your documents immediately - no waiting around. If your business needs more complex coverage, our team will immediately reach out to double-check a few things. But no stress - we’ll keep things moving fast to get you covered as quickly as possible.
Do you Need Business Experience to Get Insured in New York?
Some insurers won’t even look at you unless you’ve got business experience or previous coverage - bummer. Not Foxquilt. Whether you’re brand new or a seasoned pro, we’re here for it! We believe every business owner deserves solid insurance coverage, no matter where you're at in your journey.
Where Can You Get Business Insurance in New York?
In New York, there are a few ways you can get small business insurance -through a local agent, a bank, or by going online with a digital insurer. Each has its ups and downs, so it really depends on what works best for you. Think about things like how quickly you want coverage, whether you like handling things online, and what payment options fit your budget.
How Do You Become a New York Foxquilt Partner?
Our Foxquilt partnership team loves working with agents, wholesalers, and enterprises in New York! Think your clients would benefit from Foxquilt's services? Let's chat: https://www.foxquilt.com/partnerships.html
