Commercial Insurance Solutions in New York’s Capital Region & Beyond

As a New York business owner, the right insurance safeguards your operations, employees, and long-term stability. From liability exposures to property damage, state requirements, and industry-specific risks, commercial insurance is essential to staying compliant and resilient. At Moore Insurance Agency, we understand the needs of Capital Region businesses — from restaurants in Albany to contractors in Troy and professional offices across Watervliet and Latham. Our goal is to help you find clear, cost-effective coverage that protects your livelihood and supports your growth.

Comprehensive Protection for Your Business

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Explore Our Commercial Insurance Services

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Business Owners Policy (BOP)

A BOP combines property and general liability coverage into one streamlined package for small and mid-sized businesses. It offers cost-effective protection against common risks so you can stay focused on running your operation.

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General Liability Insurance

General liability protects your business from lawsuits related to bodily injury, property damage, or advertising harm. It’s the foundation of a strong risk management plan for companies of every size.

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Workers’ Compensation

New York requires workers’ compensation for most employees, ensuring injured workers receive proper medical care and wage protection. We help you stay compliant while managing costs and coverage.

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Commercial Auto Insurance

Whether you operate a single vehicle or a full fleet, commercial auto coverage protects drivers, cargo, and company assets. Policies are tailored to your routes, risk exposures, and business operations.

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Cyber Liability Insurance

Cyber liability helps protect your business from data breaches, ransomware, and digital disruptions. With rising cyber threats across New York, this coverage has become essential for companies of all sizes.

Experience That Sets Us Apart

With 30+ years of experience supporting New York businesses, our independent agency provides clarity, speed, and choice across multiple top-rated commercial carriers. We help you compare policies, bundling options, premiums, and limits so you can make informed decisions with confidence. Business clients rely on us for quick certificate issuance, responsive guidance, and coverage that evolves as their operations grow.

How We Work With Business Owners

We make commercial insurance simple by providing clear options, expert guidance, and fast turnaround times.

We assess your industry, operations, and exposures to identify required and recommended coverages.

Risk Review:

As an independent agency, we compare policies across multiple leading commercial insurers.

Carrier Comparison:

We explain each option in plain language so you can make confident decisions.

Coverage Recommendations:

We bind coverage quickly and issue certificates the same day whenever possible.

Policy Placement: 

As your business changes, we update and adjust your policies to fit your growth.

Ongoing Support:

Insurance Should Be Simple

Serving Businesses Across New York’s Capital Region

Running a business in New York comes with unique challenges — from strict workers’ compensation requirements to evolving liability exposures and local industry regulations. Whether you operate a restaurant in Albany, manage a contracting crew in Troy, or run an office in Watervliet or Latham, we offer commercial insurance solutions built around your specific needs. Our deep understanding of the Capital Region helps us guide you through state mandates, policy comparisons, and long-term protection strategies. Inline Link Targets permitted for hidden location pages.

Let’s Build The Right Plan

Ready to Protect Your Business?

Whether you’re a startup or an established company, our team is here to help you understand your options and secure the right protection for your New York operations. Contact our Albany-area team to get a personalized quote today.