The top-rated commercial insurance agent in Baldwinsville, New York is Horan Companies - The Insurance Place, rated 5.0 stars across 140 reviews. Other highly rated options include Scott Northrup - State Farm Insurance Agent, Heritage Insurance Agency, Inc., White Harbor Group Insurance. This directory lists 10 commercial insurance agents serving Baldwinsville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Horan Companies - The Insurance Place | 63 E Genesee St Suite B | (315) 635-2095 |
| 2 | Scott Northrup - State Farm Insurance Agent | 52 Oswego St #1 | (315) 303-4426 |
| 3 | Heritage Insurance Agency, Inc. | 8 Tappan St | (315) 925-5300 |
| 4 | White Harbor Group Insurance | 26 E Genesee St #305 | (315) 352-0035 |
| 5 | State Farm Insurance | 60 1/2 Salina St | (315) 638-0247 |
| 6 | Higgins Insurance Agency | 2273 Downer St | (315) 635-0050 |
| 7 | Central Cooperative Insurance | 6 Southgate Rd | (315) 635-7606 |
| 8 | Financial Alternatives, Inc. | 7527 Woodcrest Dr | (315) 622-7000 |
| 9 | Huntington Insurance Agency | 6 Southgate Rd | (315) 635-9795 |
| 10 | Mirabito-Gresham Insurance & Bonds Agency, LLC | 16 Oswego St | (315) 635-7600 |
Horan Companies - The Insurance Place serves commercial clients in Onondaga County and the surrounding Central New York area from its Baldwinsville, NY location. It functions as a local commercial insurance agent, connecting area businesses with coverage options designed to protect their operations and assets. The agency assists local enterprises in navigating the complexities of risk management for their respective industries. Specific services commonly handled include liability coverage to address third-party claims and property insurance to protect business premises and equipment.
Scott Northrup - State Farm Insurance Agent offers commercial insurance policies designed to protect local businesses from common risks and liabilities. Ongoing account reviews help ensure coverage remains aligned with a company’s evolving operational needs. Personal consultations allow business owners to discuss policy modifications and risk management strategies. The agency provides these services to a range of properties, including single-family homes operated as home-based businesses, apartment complexes, retail storefronts, and restaurants in and around Baldwinsville, New York.
Heritage Insurance Agency, Inc. in Baldwinsville, NY serves businesses, property managers, and local enterprises with commercial insurance coverage. The agency helps clients manage risk and secure appropriate policies for their operations, assets, and liability needs. By analyzing each business’s unique exposures, professionals there aim to identify suitable protections from standard market carriers. This service supports companies in various sectors throughout the local area. Coverage offerings also extend to commercial clients in neighboring communities such as Liverpool and the broader Syracuse metro region.
White Harbor Group Insurance serves commercial clients throughout Baldwinsville, NY, and its surrounding communities in central New York. The company handles a range of commercial insurance agent needs, including policies for small businesses, contractors, and local retail operations. Each policy is carefully assessed to address the unique risks faced by these enterprises. To handle a typical job, it evaluates each client’s specific operations and risk exposures, then matches coverage options to those practical business requirements.
State Farm Insurance serves Onondaga County and the broader Baldwinsville, New York area as a Commercial Insurance Agent. It provides business owners with essential coverage designed to protect their assets and operations from common financial risks. Policies address liabilities and property damage that may arise during daily commercial activities. The agency also assists local enterprises in managing workers’ compensation requirements and securing commercial auto insurance for their vehicle fleets.
Higgins Insurance Agency in Baldwinsville, NY specializes in crafting commercial insurance policies tailored to local businesses, managing risk for properties, liabilities, and worker coverage. It works with entrepreneurs and established companies to secure appropriate plans for their specific operational exposures. As the seasons change in Central New York, it helps businesses address vulnerabilities from winter ice storms on parking lots and sidewalks that could lead to liability claims.
Central Cooperative Insurance in Baldwinsville, NY distinguishes between one-time policy placements and recurring commercial coverage adjustments tailored to evolving business needs. Their commercial insurance agent services help local enterprises secure appropriate protection against common operational risks, including liability and property exposures. Account representatives typically analyze client workflows to recommend suitable policy structures with competitive premiums. Service runs on a recurring schedule, with periodic reviews conducted as businesses expand or their risk profiles shift.
As Central New York businesses plan for the unpredictable winter season, Financial Alternatives, Inc. in Baldwinsville helps local commercial clients protect their operations with suitable insurance coverage. This agency works with area companies to assess liability, property, and other common commercial risks. They focus on understanding each business’s unique exposures and finding appropriate policies to match. To begin, an agent visits the business location for a thorough inspection and initial assessment of operations.
Huntington Insurance Agency in Baldwinsville, NY works with businesses to structure commercial coverage tailored to their risk profile. As a local commercial insurance agent, the company offers liability policies that can include specialized coverages such as cyber protection or workers compensation. General liability and property coverage form the foundation of most plans it builds for clients. The agency serves a variety of sectors including offices, warehouses, and food service operations.
Located in Baldwinsville, New York, Mirabito-Gresham Insurance & Bonds Agency, LLC handles residential insurance needs alongside its core work as a commercial insurance agent. The agency advises local businesses on property, liability, and other coverage options to help manage everyday risks. Serving clients throughout the region, the firm works to tailor policies to each commercial account’s specific operations. Between regular visits, the agency follows up with businesses to review any changes in coverage requirements or to address new concerns that may have arisen.
What Does a a Commercial Insurance Agent in Baldwinsville Cost?
The cost of commercial insurance in New York varies widely by industry, location, and coverage limits. For a small business in Baldwinsville, general liability insurance may cost between $400 and $1,500 per year. Workers compensation premiums are based on payroll and industry classification, often ranging from $0.50 to $3.00 per $100 of payroll. Commercial auto policies for a single vehicle can start around $1,200 per year. These are general estimates and your actual cost will depend on your specific business risks. This information is for general educational purposes and does not constitute insurance advice.
About commercial insurance agents in Baldwinsville
Commercial insurance agents in Baldwinsville, New York help local businesses find the right coverage to protect their assets and operations. New York state law requires businesses with employees to carry workers compensation insurance, and many industries also need general liability or commercial auto policies. An experienced agent can guide you through these requirements and tailor a policy to your specific needs.
Frequently Asked Questions
What types of commercial insurance are required in New York?
New York law requires workers compensation insurance for most businesses with employees. Commercial auto insurance is also required for any vehicles used for business purposes. Other coverages like general liability and property insurance are not required by law but are often needed by landlords or clients.
How do I choose a commercial insurance agent in Baldwinsville?
Look for an agent who is licensed in New York and has experience with your industry. Ask about their familiarity with local risks and regulations. You can verify an agents license through the New York State Department of Financial Services.
What information do I need to get a commercial insurance quote?
You will need details about your business such as the type of business, number of employees, annual revenue, and property value. Also provide information on any vehicles, equipment, and previous claims history. The agent will use this to find the right coverage and price.
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