The top-rated business insurance agent in Saratoga Springs, New York is Kyle Magne - State Farm Insurance Agent, rated 5.0 stars across 372 reviews. Other highly rated options include Bob Fitch - State Farm Insurance Agent, Dione Ramsdill - State Farm Insurance Agent, Jenks Family Insurance Agency, LLC. This directory lists 20 business insurance agents serving Saratoga Springs.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kyle Magne - State Farm Insurance Agent | 120 West Ave Apartment 102 | (518) 633-1010 |
| 2 | Bob Fitch - State Farm Insurance Agent | 440 Maple Ave | (518) 409-8685 |
| 3 | Dione Ramsdill - State Farm Insurance Agent | 4286 NY-50 | (518) 581-7010 |
| 4 | Jenks Family Insurance Agency, LLC | 11 Ballston Ave | (518) 581-1111 |
| 5 | Lubica Mills - State Farm Insurance Agent | 8 Circular St Suite 3 | (518) 587-6483 |
| 6 | Todd Harvey Farmers Insurance | 2 Smith Bridge Rd | (518) 693-6893 |
| 7 | Armor Group Insurance Agency | 340 Broadway Ste 301 | (518) 952-4296 |
| 8 | AAA Saratoga | 26 West Ave | (518) 587-8529 |
| 9 | Cote Insurance Agency | 68 Weibel Ave | (518) 587-3303 |
| 10 | Robert J. Hoy Agency, Inc. | 538 Maple Ave Suite C | (518) 583-2025 |
Kyle Magne - State Farm Insurance Agent serves Saratoga Springs, New York, and the surrounding county as a business insurance agent. The agency works with local companies to assess their unique operational risks and offers coverage plans designed to protect their assets and liability. It assists business owners with policies that address general liability, property damage, and income interruption from unexpected events. The agency also manages commercial auto policies and workers' compensation coverage for employees in this area.
As a business insurance agent serving commercial clients in Saratoga Springs and surrounding areas, Bob Fitch of State Farm provides a broad range of protection, including general liability, property, and workers’ compensation coverage. The agency offers policy reviews and risk assessment consultations throughout the year to help ensure coverage remains aligned with changing business operations. It also assists clients in managing claims and can recommend adjustments to business owners’ policies during scheduled check-ins. The agency services properties such as single-family homes, apartments, retail stores, and restaurants.
Dione Ramsdill - State Farm Insurance Agent serves commercial property owners, small business operators, and landlords in Saratoga Springs, New York by helping them obtain coverage for general liability, commercial property, and business interruption risks. The office works directly with clients to review policy options that can protect their financial interests and operational assets. It also offers guidance on bundling business auto or workers’ compensation policies. This agency additionally serves business owners in Wilton and throughout the broader Saratoga County area.
Serving Saratoga Springs and the surrounding communities of upstate New York, Jenks Family Insurance Agency, LLC handles commercial insurance policies for local businesses. It manages coverage needs such as liability, property, and workers’ compensation to protect companies from common operational risks. By first reviewing each client’s specific industry exposures and operational scale, the agency constructs a tailored insurance plan that balances adequate protection with practical budget constraints. This methodical assessment guides the selection of appropriate policy limits and deductible options for each engagement.
Lubica Mills, a State Farm Insurance Agent serving Saratoga Springs, NY, offers business insurance on either a one-time policy purchase or a recurring monthly premium basis for ongoing coverage. This business insurance agent provides general liability, property, and commercial auto coverage tailored to local small and mid-sized enterprises. Clients may schedule an initial consultation to assess their specific risks, with service thereafter running on an as-needed basis for policy adjustments or claims support.
As a business insurance agent serving Saratoga Springs, NY, Todd Harvey Farmers Insurance provides liability coverage and commercial property protection tailored to local enterprises. It also helps small business owners secure workers’ compensation policies and professional liability solutions. The agency addresses general needs like risk assessment for shops, contractors, and service providers. As winter brings icy parking lots and slip hazards, it assists companies in reviewing general liability limits to stay adequately protected against seasonal accident claims.
Farmers and small business owners in Saratoga Springs often reassess their coverage as winter gives way to spring. Armor Group Insurance Agency provides local commercial insurance policies designed to protect retail shops, restaurants, and service companies from property damage or liability claims. The agency helps clients navigate New York’s specific business insurance requirements and seasonal risks like snow load or frozen pipes. After an initial discussion of risk exposure, an agent schedules a thorough on-site inspection of the business premises and operations.
AAA Saratoga works with businesses in Saratoga Springs to identify and manage their insurance risks. The agency provides commercially focused coverages that protect companies from common operational liabilities. Available policies can include property protection for workspace damage, general liability for accidents on site, and professional liability for errors in services. These plans address the distinct needs of local industries such as corporate offices, busy warehouses, and restaurants involved in food service preparation and customer dining.
Cote Insurance Agency serves businesses, commercial property managers, and local entrepreneurs in Clifton Park, New York. They offer business insurance policies designed to protect assets, manage liability risks, and support operational continuity. The agency assists clients with coverage evaluations and policy adjustments to meet evolving needs. By understanding regional business exposures, they help secure appropriate protection plans. Cote Insurance Agency also extends its services to businesses in the greater Saratoga Springs metropolitan area.
What Does a a Business Insurance Agent in Saratoga Springs Cost?
Typical costs for a small business insurance policy in New York range from 500 to 3,000 dollars per year for general liability. Workers compensation premiums vary by payroll and industry class code often starting at 1 to 2 dollars per 100 dollars of payroll. Commercial auto insurance adds additional cost. Actual premiums depend on your specific business location revenue and claims history. This is general information not insurance advice.
About business insurance agents in Saratoga Springs
Business insurance agents in Saratoga Springs New York help local companies secure coverage that meets state requirements. New York law mandates workers compensation insurance for most employers and disability benefits for private sector workers. Agents guide businesses through these regulations and offer general liability and property insurance tailored to the Saratoga Springs market.
Frequently Asked Questions
What types of business insurance are required in New York?
New York requires workers compensation insurance for nearly all employers and disability benefits insurance for private sector employees. Commercial auto insurance is also required if you use vehicles for business. Agents can help you understand these mandates and add optional coverages.
How do I choose a business insurance agent in Saratoga Springs?
Look for an agent licensed in New York with experience in your industry. Ask about their knowledge of local risks such as seasonal tourism or construction in Saratoga Springs. Check their reputation with the New York State Department of Financial Services.
Can a business insurance agent help with a New York specific risk like a liquor license?
Yes. Agents can help you obtain liquor liability insurance which is often required by the New York State Liquor Authority for bars and restaurants in Saratoga Springs. They can also advise on coverage for events and festivals common in the area.
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