The top-rated commercial 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 Freeway Insurance, Matt Nimey Insurance Agency, Dan Meehan - State Farm Insurance Agent. This directory lists 14 commercial insurance agents serving Utica.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Scott Grates - State Farm Insurance Agent | 430 Trenton Rd | (315) 797-7763 |
| 2 | Freeway Insurance | 334 Genesee St | (315) 567-4346 |
| 3 | Matt Nimey Insurance Agency | By appointment Only, 2001 Bleecker St | (315) 737-6099 |
| 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 | Adjusters International/Basloe, Levin & Cuccaro | 6 Rhoads Dr | (315) 797-1234 |
| 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 Utica, New York metro area as a commercial insurance agent. The agency works with local businesses to assess their specific risks and secure appropriate coverage for their operations. They help commercial clients select policies that address property and liability concerns common to the region. Among the services handled here are general liability policies to protect against on-site accidents and commercial property insurance for buildings and equipment.
With Utica’s harsh winter weather often forcing business closures, a local commercial insurance agent becomes essential for managing income disruption risk. Freeway Insurance responds by providing tailored policies that cover property damage from snow and ice, as well as liability for slip-and-fall accidents on commercial premises. The agency works with area retail shops and service providers to align coverage limits with seasonal revenue fluctuations. An agent inspects the business operation during the initial consultation to assess facility vulnerabilities and recommend appropriate endorsements.
Matt Nimey Insurance Agency, based in Utica, NY, offers a full range of commercial insurance policies designed to protect local businesses from financial risk. Its service includes ongoing policy reviews and claims support to ensure coverage remains appropriate as operations grow. The agency assists clients with selecting the right liability, property, and workers' compensation protection. It serves properties ranging from single-family homes and apartment buildings to retail stores and restaurants, tailoring each plan to the specific exposures of the business.
Dan Meehan - State Farm Insurance Agent in Utica, New York, serves local business owners, property managers, and homeowners seeking commercial coverage. The agency offers guidance on general liability, property insurance, and other policies that help protect companies against common operational risks. Clients with small retail shops, professional offices, or rental properties can receive tailored policy reviews and cost estimates. This agency also services customers throughout the greater Utica metro area, including neighboring communities such as New Hartford and Yorkville.
Serving Utica, New York, and its surrounding communities, BEACH AGENCY INC handles commercial insurance coverage for local businesses. The agency works with clients to secure policies that protect their operations and assets from common regional risks. It assesses each business’s unique needs to find appropriate liability, property, and related coverages from standard carriers. The agency typically manages a client’s job by first evaluating the specific exposures, then sourcing suitable protection options to match the business’s requirements and budget.
Scalzo Zogby & Wittig Inc provides both one-time consultations for specific risk evaluations and recurring service options through ongoing policy management, catering to businesses in Utica, NY. As a commercial insurance agent, the firm helps local companies secure coverage for property, liability, and other standard business exposures. Their services are available on a scheduled or as-needed basis, allowing clients to arrange appointments for renewals, claims assistance, or new policy inquiries.
With winter weather often disrupting operations in Utica, business owners seek reliable coverage for property and liability risks. Farmers Insurance agent Michelle Santillo-Romano assesses local commercial needs, tailoring policies that address everything from snow-related damage to general business interruptions. She works directly with clients to explain coverage options without unnecessary jargon. Before any policy is finalized, a thorough initial-assessment of the business premises is scheduled to identify specific exposures and ensure appropriate protection.
Adjusters International/Basloe, Levin & Cuccaro in Utica, NY delivers specialized loss assessment guidance for commercial policyholders, helping businesses accurately document property and liability damages after incidents. It also provides routine commercial insurance agent work, including reviewing coverage options, managing policy renewals, and advising on risk exposures. The firm particularly assists local companies with claims stemming from harsh Upstate New York winter storms, such as roof collapses from snow load or flooding from ice dam melt.
Serving residential clients in Utica with attention to personal property and liability needs, Success Insurance Utica also provides commercial coverage for local businesses seeking to manage their unique operational risks. Policyholders in the greater Utica area can obtain various business insurance solutions, including general liability and property protection, through this agency’s local office. After each claim or renewal review, the agent follows up to confirm satisfaction and coordinates adjustments between regular service visits.
What Does a a Commercial Insurance Agent in Utica Cost?
Typical commercial insurance costs in New York range from 500 to 3000 per year for small businesses for basic liability coverage. Larger businesses or high-risk industries like construction or manufacturing may pay 5000 to 20000 or more annually. Factors include payroll revenue location and claims history. New York specific requirements like workers compensation and disability benefits add to total costs. This is general information not insurance advice.
About commercial insurance agents in Utica
Commercial insurance agents in Utica New York help local businesses find coverage for property liability and workers compensation. New York State requires all employers to carry workers compensation insurance under Workers Compensation Law Section 10. Agents can guide you through these requirements and find policies that fit your industry and budget.
Frequently Asked Questions
What types of commercial insurance do Utica businesses need?
Common coverages include general liability property insurance workers compensation and commercial auto. New York law mandates workers comp for most employers and disability benefits under Disability Benefits Law. An agent can assess your specific risks and recommend appropriate policies.
How do I choose a commercial insurance agent in Utica?
Look for an agent licensed in New York with experience in your industry. Check their reputation with the New York State Department of Financial Services and ask about their claims support. A local agent understands Utica market conditions and regional risks.
What is the cost of commercial insurance in New York?
Costs vary widely based on business type size location and claims history. A small retail shop might pay 500 to 2000 per year for general liability while a construction firm could pay 5000 to 15000 or more. Premiums in New York are generally higher due to state regulations and litigation costs.
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