New York State small business

Small Business Insurance

Starting a small business is an exciting but overwhelming endeavor. That's why we specialize in helping fellow local business owners navigate the complex world of insurance.

Our dedicated team is here to guide you through the process, ensuring you have the right coverage so that you can focus on growing your business. We're not just an insurance company; we're your neighbor, trusted fellow business owner, and dependable partner.

small business coffee shop

Arrigo Insurance provides insurance solutions to protect your small business. With years of experience, and as a NYS business ourselves, we understand your unique needs as you get your business started. Talk to us today about tailored solutions that best fit your industry and future business goals.

Tailored Coverages Offered

  • General Liability Coverage

  • Building Coverage

  • Business Property Coverage

  • Loss of Business Income

  • Owned, Borrowed or Rented Equipment Coverage

  • Equipment Breakdown Coverage

  • EPLI Coverage

  • Cyber Liability

  • Liquor Liability

  • Commercial Auto

  • Umbrella

Core Commercial Coverages

Property Coverage

What your business owns, what rights it holds and what your company is entitled to is important.

  • • Buildings, permanently installed equipment, and outdoor fixtures

    • Computer systems, electronic media, including valuables

    • Outdoor property, including signs and debris removal

    • Property in transit or temporarily off-premises

    • Accounts receivable

    • Employee dishonesty, forgery or alterations

    • Money and securities, on or off premises

Liability Insurance

Mitigate the impact of damages, lawsuits, medical expenses and anything else you're held responsible for, on or off the premises.

  • • Helps with costs to defend and settle claims against your business, including property damage and bodily injury.

    • Fire legal liability/damage to premises rented by you

    • Medical expenses

    • Hired and non-owned auto

    • Primary and noncontributory coverage

Workers Compensation

A business is only as good as its employees. Make sure yours know they're valued with an insurance plan that helps replace lost wages and pays for medical treatment should they suffer a work-related injury.