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Compare Commercial Insurance Agents in Smithtown, NY
Compare commercial insurance agents in Smithtown. Review contact information and insurance categorys before you decide.
16 agents listed
Updated May 2026
Smithtown, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 16 commercial insurance agents in Smithtown, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Jennifer O'Brien - State Farm Insurance Agent
550 Smithtown Bypass 2nd Fl Suite 114, Smithtown, NY 11787
(631) 724-0002
insurewithjenn.com
Joe Aguirre - State Farm Insurance Agent
61 W Main St, Smithtown, NY 11787
(631) 265-3880
smithtownagent.com
Lynne Barnhardt - State Farm Insurance Agent
58 N Country Rd, Smithtown, NY 11787
(631) 265-5030
lynnebarnhardt.com
Philip Forte: Allstate Insurance
310 Maple Ave, Smithtown, NY 11787
(631) 346-6400
agents.allstate.com
Platinum Insurance Group
111 E Main St, Smithtown, NY 11787
(516) 621-2436
platinuminsgroupny.com
Jeff Troiano: Allstate Insurance
25 Manor Rd, Smithtown, NY 11787
(631) 724-2100
agents.allstate.com
Zachary Millian: Allstate Insurance
360 E Jericho Tpke, Smithtown, NY 11787
(631) 656-7856
agents.allstate.com
Takach & Associates, Inc
112 Terry Rd, Smithtown, NY 11787
(631) 366-2774
takachinsurance.com
Antos Agency Inc
158 Terry Rd, Smithtown, NY 11787
(631) 360-3737
antosagencyinc.com
Central Insurance Agency
93 E Main St, Smithtown, NY 11787
(877) 242-9600
ciainsures.com
Navigators Insurance
550 Smithtown Bypass STE 202, Smithtown, NY 11787
(631) 724-4989
insnavigator.com
Schaefer Agency Inc. (The)
201 E Main St, Smithtown, NY 11787
(631) 979-7474
Nationwide Insurance: Bagatta Associates Inc.
823 W Jericho Turnpike Suite 1A, Smithtown, NY 11787
(631) 864-1111
bagatta.com
BGR Insurance Services
22 Lawrence Ave Suite 308, Smithtown, NY 11787
(631) 647-8488
Island Agency Inc.
2 Redan Dr, Smithtown, NY 11787
(516) 256-2300
islandagencyinc.com
Gallagher Insurance, Risk Management & Consulting
1 E Main St, Smithtown, NY 11787
(860) 426-6200
assuredpartners.com
Commercial insurance agents in Smithtown New York help business owners secure coverage for liability property and workers compensation. New York requires all employers to carry workers compensation insurance under the New York Workers Compensation Law. An agent can guide you through state-specific requirements and find policies that fit your business size and risk profile.
What Does a Commercial Insurance Agent in Smithtown Cost?
Typical costs for commercial insurance in New York vary widely by industry and business size. A small retail shop might pay 500 to 1 500 per year for general liability while a construction contractor could pay 5 000 to 15 000 annually for combined coverage. Workers compensation premiums are calculated per 100 dollars of payroll and rates are set by the New York State Insurance Fund. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What types of commercial insurance do businesses in Smithtown need?
Common coverages include general liability commercial property workers compensation and commercial auto. New York law mandates workers compensation for most employers and disability benefits coverage. Your agent can also recommend professional liability or cyber insurance based on your industry.
How does New York law affect commercial insurance requirements?
New York requires businesses with employees to carry workers compensation insurance under Section 50 of the Workers Compensation Law. The state also mandates disability benefits coverage under the Disability Benefits Law. Commercial auto policies must meet New York minimum liability limits of 25 000 per person and 50 000 per accident.
Can a commercial insurance agent help me lower my premiums in Smithtown?
Yes an agent can review your operations to identify eligible discounts such as bundling policies or implementing safety programs. They can also adjust deductibles and coverage limits to balance cost and protection. Premiums vary by industry revenue and claims history so a tailored approach is important.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.