Commercial Insurance Upstate NY – Contractors & Fleets

Commercial insurance

Commercial coverage for the businesses that keep Upstate New York running

Contractors, restaurants, retail shops, landlords, haulers and service companies across Washington, Warren and Saratoga County trust The Kinney Agency with their commercial insurance — many after starting with us for their personal policies and seeing first-hand how we treat customers. We write commercial lines with more than a dozen carriers, so we can place difficult risks and keep competitive accounts competitive.

Business car & fleet insurance

Every business with a car requires physical damage coverage. Vehicle insurance protects your business’s assets. You need collision, comprehensive, and liability coverage for a fleet — plus hired & non-owned auto for employees driving their own vehicles, and cargo or motor truck coverage for haulers.

Commercial general liability (CGL)

Too many firms lack adequate CGL coverage. Mistakes can arise when selling or offering a service. Procedure errors might vary. You may potentially face a faulty product claim. CGL protects you — and it is what your general contractors, landlords and customers are asking for when they request a certificate of insurance.

Commercial property insurance

Your firm needs property insurance if you own or lease real estate. It protects against fires, vandalism, and theft. What if your inventory was suddenly destroyed? Could your company withstand such a loss? Commercial property insurance eliminates that anxiety, and business interruption coverage keeps payroll going while you rebuild.

New York workers’ compensation

New York mandates all employers to have workers’ comp. This insurance covers injured workers’ medical expenditures and time off. It helps company owners, too: you have no long-term financial responsibility to your employee’s medical expenditures following an accident. We also handle NYS disability (DBL) and Paid Family Leave.

Industries we insure

Contractors & trades

Electricians, plumbers, HVAC, roofers, excavators, remodelers and GCs. GL, tools & equipment, commercial auto, workers’ comp, surety bonds through CNA Surety.

Restaurants, bars & hospitality

Property, liquor liability, spoilage, equipment breakdown and business interruption — including seasonal Lake George and Saratoga operations.

Retail & professional offices

Business owner policies (BOP) that bundle property, liability and income in one affordable package, with cyber and EPLI add-ons.

Landlords & real estate

Single rentals to mixed-use blocks: dwelling fire, commercial property, loss of rents, umbrella.

Trucking & delivery

Commercial auto, motor truck cargo, hired & non-owned, and the filings your operation requires.

Farms & agribusiness

Farm packages through Countryway, Central Co-op and Claverack Co-op for dairy, crop, equine and hobby farms across the region.

Certificates of insurance — in minutes

“We often need a certificate of insurance for contractors general liability, and they take care of this in minutes for us.” — David Ripley, President, Overhead Door. For commercial clients, call the office that holds your policy during business hours and we will send the certificate to you or directly to the requesting party.

Request a commercial quote

Frequently asked questions

What insurance does a contractor need in New York?

At minimum: general liability, commercial auto for any business vehicle, and workers’ compensation plus disability/PFL the moment you have an employee. Most general contractors and municipalities will also require specific limits and additional-insured wording on your certificate — we set the policy up so certificates are routine.

Can I bundle my business and personal insurance with you?

Yes, and most of our commercial clients do. One agent, coordinated renewals, and multi-policy credits where carriers allow.

How quickly can you get me a certificate of insurance?

For existing clients, typically within minutes during office hours. New accounts can usually be bound and certificated the same day once underwriting is complete.

Do you write liquor liability for restaurants and bars?

Yes, as part of a restaurant package or stand-alone, including seasonal operations in Lake George and Saratoga Springs.

What is a BOP and is it right for my shop?

A business owner policy bundles property, general liability and business income for small to mid-size businesses at a lower combined price than buying each separately. If you have a storefront, office or small warehouse, it is usually the right starting point.

Do you handle workers’ compensation audits and payroll reporting?

We help you prepare for the annual audit, explain class codes, and work with the carrier on any disputes so you are not overcharged.

Where we write commercial insurance

From Hudson Falls and Galway we serve all of Washington, Warren, Saratoga, Fulton and Schenectady County — and anywhere in New York State.

Commercial insurance for Upstate NY contractors, restaurants & fleets