NYC small business insurance

Most NYC small businesses end up in a Business Owner's Policy (BOP) — a bundle of general liability and commercial property at a price point built for businesses under roughly $5M in revenue. It's the right starting point for retailers, service businesses, professional offices, and small storefronts in the five boroughs.

On top of the BOP, NYC operators typically need workers compensation (required if you have any employees in New York), commercial auto if you use vehicles for business, cyber liability if you process customer data, and an umbrella to lift your liability above the standard $1M.

Asured connects you with one independent broker who builds the whole stack — BOP, workers comp, auto, umbrella — and shops it across 200+ carriers so you're not stuck with whatever your bank's affiliate quoted you.