Business Insurance in Rochester, NY

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Get Small Business Insurance in Rochester, New York

business insurance rochester nyRochester is home to a one of the nation’s most highly skilled workforces with expertise across a range of high-tech industries.1 The Flower City is a prime market for business growth and innovation. In fact, Rochester was ranked #1 in the U.S. for the greatest number of patents issued per 1,000 workers.2
Whether you already have a small business or are just starting out, it’s essential to get seguro de negocio in Rochester, NY. We’re an insurance company backed by more than 200 years of experience and we’ve helped over 1 million small business owners get the coverage they need. The best way to find out what the right amount of coverage is for your Rochester, NY business is to obtener una cotización.

Rochester, NY Business Insurance Requirements

Small businesses in Rochester, NY are required to carry certain types of business insurance. If you have any employees, your business will need to have workers’ compensation insurance as required by state law. If your small business owns any vehicles, you will need to have commercial auto insurance coverage. While not legally required, other types of insurance may be required as a condition of a lease agreement, or banks and investors may require you to maintain certain types of insurance. While these are the minimum state-required coverages for New York businesses, it’s a good idea for business owners to get additional coverage to ensure you’re fully protected.

Types of Business Insurance Coverages

small business insurance rochester nyThere are many different types of business insurance to choose from when it comes to protecting your business. The needs of every small business are unique and can differ from one another depending on the industry you’re in. The Hartford offers a wide range of small business coverages, including:
Business property insurance, also called commercial property insurance, helps protect your owned or rented building, tools and the equipment you use to operate your business.
Data breach insurance, also known as cyber insurance, helps cover liability expenses from technology-related risks such as a data breach or cyberattack. If you collect, store, send or receive customer information, it’s important to protect against cyber risks.
Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.
This helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.
Professional liability insurance helps protect you and your company if you’re found negligent in the professional services you provided to a client, even if you didn’t make a mistake.
Most state laws require you to carry this insurance to help compensate employees for expenses associated with work-related injuries or illnesses like medical bills, rehabilitation and lost wages.

What Industries Need Commercial Insurance in Rochester, NY?

The Hartford provides commercial insurance coverage for a wide variety of small businesses in Rochester, NY. Some of the industries we offer small business insurance coverage include:
  • Business Services
  • Finanzas
  • Asistencia Médica
  • Manufacturers
  • Personal Care Services
  • Servicios Profesionales
  • Restaurants
  • Al por menor
  • Seguridad
  • Tecnología
  • Wholesale and Distributors

How Much Does Business Insurance in Rochester, NY Cost?

Business insurance costs can vary in Rochester, NY because each business is unique and has different needs. Our customers paid an average of $1,248 annually, or $104 a month, for business insurance coverage in New York. For workers' compensation insurance, customers in New York paid an average of $998 annually, or about $83 a month.3
Insurance companies use numerous different factors to determine costs, including:
  • Claims history
  • Lugar
  • Industria
  • Type of coverage
The best way to find out your business’ insurance cost in Rochester is to get an online cita. You can also use your local insurance agency to get a quote.

Get a Fast and Free Quote for Business Insurance in Rochester, NY

We make it easy for you to get a cita for your small business in Rochester, NY. Get a quote for the coverage you need in just a few minutes.
We’re an insurance company backed by more than 200 years of experience. Our specialists have the expertise and knowledge to understand the unique risks that Rochester small businesses face. So, whether you have questions about business insurance or need help with a claim, we’ve got your back.

Links to Additional Cities in New York

We offer New York business insurance coverage to other cities in New York, including:
Last Updated: November 16, 2023
1 Rochester Institute of Technology, “Rochester Rising: RIT is helping to make Rochester a next-generation technology hub.”
2 Greater Rochester Enterprise, “Rochester Rankings”
3 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
Divulgaciones adicionales a continuación.
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* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.