The top-rated commercial insurance agent in Smithtown, New York is Jennifer O'Brien - State Farm Insurance Agent, rated 4.9 stars across 780 reviews. Other highly rated options include Joe Aguirre - State Farm Insurance Agent, Lynne Barnhardt - State Farm Insurance Agent, Philip Forte: Allstate Insurance. This directory lists 16 commercial insurance agents serving Smithtown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jennifer O'Brien - State Farm Insurance Agent | 550 Smithtown Bypass 2nd Fl Suite 114 | (631) 724-0002 |
| 2 | Joe Aguirre - State Farm Insurance Agent | 61 W Main St | (631) 265-3880 |
| 3 | Lynne Barnhardt - State Farm Insurance Agent | 58 N Country Rd | (631) 265-5030 |
| 4 | Philip Forte: Allstate Insurance | 310 Maple Ave | (631) 346-6400 |
| 5 | Platinum Insurance Group | 111 E Main St | (516) 621-2436 |
| 6 | Jeff Troiano: Allstate Insurance | 25 Manor Rd | (631) 724-2100 |
| 7 | Zachary Millian: Allstate Insurance | 360 E Jericho Tpke | (631) 656-7856 |
| 8 | Takach & Associates, Inc | 112 Terry Rd | (631) 366-2774 |
| 9 | Antos Agency Inc | 158 Terry Rd | (631) 360-3737 |
| 10 | Central Insurance Agency | 93 E Main St | (877) 242-9600 |
Jennifer O'Brien - State Farm Insurance Agent serves the Smithtown, New York area and surrounding Suffolk County as a commercial insurance agent. The agency helps local business owners protect their operations with customized commercial policies tailored to various industry needs. Common coverages include property insurance for storefronts and equipment, along with general liability protection against workplace incidents. Specific services handled include commercial auto insurance for company vehicles and workers compensation coverage for employees.
Joe Aguirre - State Farm Insurance Agent in Smithtown, NY provides a comprehensive range of commercial insurance services, including general liability, property, and workers' compensation coverage. The agency offers ongoing policy reviews and tailored risk management guidance to help local business clients adjust their coverage as their operations evolve. It serves a variety of properties in the area, including single-family homes, apartment buildings, retail spaces, and restaurants.
Lynne Barnhardt - State Farm Insurance Agent in Smithtown, NY serves local homeowners, businesses, and property managers with commercial insurance policies tailored to their specific operational needs. The agency handles liability coverage, property protection, and business interruption insurance for small and medium-sized enterprises throughout the area. Their office provides professional guidance on risk management and policy selection for a range of industries. This agency also extends its commercial insurance services to clients in nearby Hauppauge and the greater Suffolk County metro region.
Philip Forte: Allstate Insurance serves Smithtown, New York, and the surrounding communities of Suffolk County. It handles commercial insurance policies for local businesses, including general liability and property coverage. The company addresses risks common to area enterprises, such as storm damage and liability claims. For a typical job, it reviews the business’s specific operations, estimates coverage needs, and then matches those needs with available policy options from its carrier offerings.
Platinum Insurance Group in Smithtown, NY works with businesses on both one-time commercial policies and ongoing coverage packages. Their one-time options can address single-event liability or specific project needs, while recurring service plans provide year-round protection for general business operations, property, and liability concerns. Coverage is built around the unique risk profiles common to local commercial enterprises in the area. Service runs entirely on an as-needed basis in addition to scheduled policy reviews and annual renewals.
Jeff Troiano: Allstate Insurance offers commercial insurance policies tailored to local business operations in Smithtown, NY. It provides general liability and property coverage for small to mid-sized enterprises in the area. The agency also works with local contractors and retail stores to address standard commercial risks through Allstate’s usual underwriting guidelines. For businesses facing seasonal weather patterns on Long Island, it helps adjust coverage ahead of the winter storm and coastal storm seasons.
As Smithtown businesses prepare for seasonal shifts and changing liability exposures, Zachary Millian: Allstate Insurance assists commercial clients with tailored coverage options. Their agency focuses on protecting local enterprises from common risks like property damage, general liability, and business interruption. Every commercial insurance agent in the area helps business owners understand policy specifics and regulatory requirements. Zachary Millian’s team begins by reviewing current operations and listing unique exposures during a thorough on-site inspection.
Takach & Associates, Inc works with businesses in Smithtown, NY to secure commercial insurance coverage tailored to their specific operational risks. As an independent agency, it can compare policies from multiple carriers to find appropriate protection for property, liability, and workers compensation needs. The agency serves a variety of commercial sectors, including professional offices, warehouses, and food service establishments, ensuring each client receives focused attention on their unique exposures.
Antos Agency Inc in Smithtown, NY supports residential clients with their home insurance needs while also offering commercial coverage for local businesses. As a commercial insurance agent, the company helps enterprises manage property, liability, and other operational exposures common to the area. Coverage and service extend to surrounding communities within Suffolk County. After each policy review or claim assistance, the agency follows up to ensure continued suitability and will provide repeat service between regularly scheduled visits as circumstances change.
Central Insurance Agency, based in Smithtown, NY, is known for providing comprehensive commercial coverage solutions to local businesses. Its service range includes general liability, property, and workers' compensation policies tailored to protect against everyday operational risks. The agency works with companies across various industries, helping them navigate complex insurance requirements. By analyzing each client’s specific exposures, it recommends appropriate limits and deductibles. This agency can further support clients with specialized commercial auto coverage for fleets or individual vehicles.
What Does a 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.
About commercial insurance agents in Smithtown
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.
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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