The top-rated business insurance agent in Utica, New York is Scott Grates - State Farm Insurance Agent, rated 5.0 stars across 291 reviews. Other highly rated options include Matt Nimey Insurance Agency, AAA Utica, Dan Meehan - State Farm Insurance Agent. This directory lists 13 business insurance agents serving Utica.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Scott Grates - State Farm Insurance Agent | 430 Trenton Rd | (315) 797-7763 |
| 2 | Matt Nimey Insurance Agency | By appointment Only, 2001 Bleecker St | (315) 737-6099 |
| 3 | AAA Utica | 430 Court St | (315) 797-5452 |
| 4 | Dan Meehan - State Farm Insurance Agent | 2023 Sunset Ave | (315) 735-4494 |
| 5 | BEACH AGENCY INC | 1111 Oriskany St W | (315) 793-7626 |
| 6 | Scalzo Zogby & Wittig Inc | 120 Lomond Ct | (315) 792-0000 |
| 7 | Farmers Insurance - Michelle Santillo-Romano | 2400 Genesee St | (315) 765-6531 |
| 8 | Michael Garcia: Allstate Insurance | 2046 Genesee St | (315) 793-3322 |
| 9 | premium plan Insurance NY | 266 Genesee St | (332) 334-6798 |
| 10 | Success Insurance Utica | 106 Genesee St | (315) 230-0287 |
Scott Grates - State Farm Insurance Agent serves the greater Utica, New York area and focuses on business insurance. The agency works with local enterprises to structure coverage policies that address common commercial risks. They guide business owners through the process of selecting appropriate property and liability protection tailored to their specific industry needs. Their consultations help clients understand how policies respond to unexpected events such as property damage or lawsuits. This agency routinely handles business liability insurance and commercial property insurance for companies in the Utica region.
Matt Nimey Insurance Agency serves local businesses, homeowners, and commercial property managers throughout the Utica area. The agency provides tailored business insurance policies that help protect companies from common operational risks and liability concerns. Agents work closely with each client to review coverage options and explain policy details clearly. This careful approach assists business owners in securing the right protection for their specific needs. The agency also extends its services to neighboring communities within Oneida County and the greater Mohawk Valley region.
AAA Utica provides a full spectrum of business insurance products, including general liability, property, and workers' compensation coverage tailored to local operations. It also offers ongoing policy reviews and claim assistance to help maintain proper protection. The agency serves a variety of commercial properties throughout the Utica area, including single-family homes converted to rental use, apartment buildings, retail storefronts, and local restaurants.
Serving Utica, New York, and the surrounding communities, Dan Meehan - State Farm Insurance Agent handles business insurance needs for local companies. The agency works with owners to address common commercial exposures, such as liability, property, and income protection. For each client, the agency typically begins by reviewing specific operational risks. It then recommends appropriate coverage options designed to fit the particular nature and size of the business being protected.
BEACH AGENCY INC in Utica, NY provides business insurance both as a single-purchase policy for a specific term and as a renewable service for ongoing coverage. Their agents help local enterprises protect assets, manage liability exposure, and meet legal requirements for property, general liability, and workers’ compensation. While individual policies address immediate needs annually, recurring services ensure continuous protection as a business grows. Service operates on a scheduled basis, typically renewing each policy term to avoid coverage gaps.
Scalzo Zogby & Wittig Inc provides business insurance agent services, specializing in commercial property, liability, and workers’ compensation coverage. It also serves local Utica enterprises with general risk assessment and policy management. The firm helps clients navigate complex insurance regulations affecting regional industries. During the winter months, it particularly assists businesses in reviewing snow removal liability and seasonal property protection needs.
As the harsh Utica winter recedes, local businesses begin assessing storm damage to roofs and parking lots, ensuring their commercial property policies offer adequate replacement-cost coverage. Farmers Insurance agent Michelle Santillo-Romano reviews each client’s unique liability and equipment risks inherent in upstate New York’s economy, from Main Street retail to regional construction firms. She tailors general liability, workers’ compensation, and commercial auto plans accordingly. The process begins with a complimentary on-site inspection of the business premises and a detailed review of current coverage limits.
Michael Garcia at Allstate Insurance assists local business owners with their commercial insurance needs, helping them manage risk through generalized liability and property coverage. Specialized options can include policies for equipment breakdown and business interruption, which protect daily operations. The firm serves a variety of commercial sectors, including professional offices requiring general liability, warehouses needing robust property and inventory protection, and food service operations requiring coverage for premises liability and specialized kitchen equipment.
Success Insurance Utica serves residential customers in Utica, NY, with insurance for homes and personal property. For commercial clients, the agency provides general liability, property, and workers’ compensation coverage tailored to local businesses across the region. Their agents assess each client’s specific liability risks and recommend appropriate policy limits. After policy placement, the team conducts regular follow-ups to review coverage needs and assists with renewals between routine annual visits.
What Does a a Business Insurance Agent in Utica Cost?
The cost of business insurance in New York varies widely by industry and location. A small retail shop in Utica might pay between $500 and $1,500 per year for general liability. A construction company could pay $5,000 to $20,000 or more for a package including workers compensation. Premiums are influenced by payroll revenue and claims history. This is general information and not insurance advice.
About business insurance agents in Utica
Business insurance agents in Utica New York help local companies find the right coverage for their unique risks. New York law requires most businesses to carry workers compensation insurance and disability benefits. An agent can guide you through these state mandates and help protect your assets.
Frequently Asked Questions
What types of business insurance are required in New York?
New York law requires workers compensation insurance for most employers. Disability benefits coverage is also mandatory. General liability and commercial property insurance are not required by law but are often needed by lenders or landlords.
How do I choose a business insurance agent in Utica?
Look for an agent who is licensed in New York and has experience with your industry. Check their reputation with the New York State Department of Financial Services. Ask about their claims process and how they handle local risk factors like winter weather.
Can a business insurance agent help with New York specific compliance?
Yes a good agent can explain New York specific requirements such as the state disability insurance program and paid family leave. They can also help you understand the New York Labor Law that affects liability coverage for construction and other industries.
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