Family-owned independent agency · Chappaqua, NY · Since 1929 info@nicolaysenagency.com  ·  Hours: Mon–Fri, 9am–5pm
Nicolaysen Agency Insurance · Since 1929

Home / Business Insurance

Business Insurance

Commercial insurance, a focus of ours since 1929

We insure everything from small family businesses to middle-market companies with $100mm+ in annual revenue.

Our Commercial Insurance Division has been a focus of ours since our inception in 1929. From off-the-shelf small business liability policies to custom-built insurance policies designed specifically for clients and underwritten through Lloyd's of London, our commercial clients have unfettered access to everything they need.

We safeguard business operations with tailored solutions covering property damage, liability, workers' compensation and interruptions due to unforeseen events. We work with a variety of industries to provide robust protection that minimizes risks and supports your company's growth.

Commercial Property

Protection for the buildings, equipment, inventory and other property your business depends on, including coverage for income lost when a covered loss interrupts operations.

  • Buildings & improvements
  • Equipment & inventory
  • Business interruption / income
  • Equipment breakdown options

General Liability

Coverage for claims of bodily injury or property damage to others arising from your premises, operations or products, from simple small-business policies to larger programs.

  • Premises & operations
  • Products & completed operations
  • Personal & advertising injury
  • Contractual requirements

Workers' Compensation

Workers' compensation covers employees' medical costs and lost wages for job-related injuries and illnesses, and is required for most New York employers.

  • Statutory NY coverage
  • Employer's liability
  • Disability & Paid Family Leave (NY)
  • Payroll audit support

Commercial Auto

Coverage for vehicles your business owns, leases or uses, from a single work van to a fleet, plus hired and non-owned auto liability.

  • Company vehicles & fleets
  • Hired & non-owned auto
  • Liability & physical damage
  • Driver & vehicle schedules

Real Estate / Lessor's Risk

Coverage for building owners, landlords and investors who lease space to others, including mixed-use and lessor's-risk-only properties.

  • Lessor's risk only
  • Mixed-use buildings
  • Rental income coverage
  • Umbrella & excess liability

Specialty & Lloyd's

For risks that don't fit a standard policy, we build custom coverage through specialty and excess & surplus lines markets, including Lloyd's of London.

  • Custom-built policies
  • Lloyd's of London access
  • Excess & surplus lines
  • Hard-to-place risks

Let's review your business coverage

From a small family business to a $100mm+ company, we'll find the right fit.