Your business is your livelihood. We protect it with commercial coverage built for the realities of running a business in New York.
Running a business comes with real risks — property damage, liability claims, employee injuries, vehicle accidents, and more. The Beach Agency works with business owners throughout New York to build commercial insurance programs that protect what you've built without breaking the budget.
We're an independent agency, which means we shop multiple commercial carriers to find the right coverage for your specific industry, size, and risk profile.
General liability insurance is the foundation of any business insurance program. It protects your business from third-party claims of bodily injury, property damage, personal injury, and advertising injury. Without it, a single lawsuit could threaten everything you've built.
Most businesses need general liability to operate — it's often required by contracts, landlords, and licensing bodies. We make sure you have the right limits for your industry and exposure.
Get a Business QuoteA Business Owners Policy — or BOP — bundles general liability and commercial property coverage into a single, cost-effective package. For most small to mid-sized businesses, a BOP is the smartest starting point because it covers the most common exposures at a competitive price.
BOPs are available for a wide range of businesses including retail stores, offices, restaurants, service businesses, contractors, and more. We'll determine whether a BOP is right for you, and customize it with the endorsements your business actually needs.
Get a BOP QuoteIn New York, workers' compensation is required for virtually all businesses with employees. We make the process simple and find competitive rates that work for your payroll.
New York State requires workers' compensation coverage for all employers with one or more employees — including part-time workers, family members, and day laborers. Failure to carry coverage can result in fines, stop-work orders, and personal liability.
We work with multiple workers' comp carriers including the NY State Insurance Fund (NYSIF) and private insurers to find the most competitive rate for your classification and payroll. We also help with audits, renewals, and claims management.
If you use vehicles for your business — even occasionally — you likely need commercial auto coverage. Personal auto policies typically exclude business use, which means a single work-related accident could leave you personally on the hook for thousands of dollars in damages.
We cover everything from a single pickup truck used for your contracting business to an entire fleet of delivery vehicles. We'll make sure every vehicle in your business is properly insured.
Get a Commercial Auto QuoteCoverage for equipment, tools, and property in transit or at job sites that wouldn't be covered under standard commercial property. Essential for contractors, landscapers, and mobile businesses.
Errors and omissions (E&O) insurance for professionals who provide advice or services. Protects against claims that your work, advice, or service caused a client financial harm.
Protection for your building, equipment, inventory, and business personal property — covering losses from fire, theft, vandalism, windstorm, and other covered perils.
Data breaches and cyber attacks can cripple a small business. Cyber coverage helps pay for breach notification, credit monitoring, legal defense, and data recovery costs.
If a covered loss forces you to temporarily close, business income coverage replaces lost revenue and pays for extra expenses so you can get back up and running faster.
Adds a broad layer of excess liability protection above your underlying commercial policies — essential for businesses with significant assets or high-exposure operations.
We offer free policy reviews for existing business owners. We may find gaps you didn't know existed — or savings you didn't know were possible.