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Toedt Insurance Agency LLC

17 Wendell Dr
Albany, NY 12205

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New York Commercial/Business Insurance Coverage

Commercial/Business Insurance in New York

If you reside in New York and own a business, we offer many options here at Toedt Insurance Agency LLC. Protecting your business should be your number one priority. We offer various coverage options, from business owners' policies to property damage coverage. We can tailor your policy depending on your needs. We are located in Albany, NY.

Commercial/Business Insurance Requirements

Did you know that not having any business insurance or the correct type of insurance for your business would put both you and your employees at risk? This is why you should make sure you have the necessary required coverage. Workers’ compensation insurance is required for every New York business with full-time or part-time employees. This will cover medical expenses for illnesses and injuries that are work-related.

Additionally, if you have any commercial automobiles, you will be required to obtain commercial auto insurance with the minimum requirements:

  • Bodily injury coverage per person for $25,000
  • Bodily injury coverage per accident for $50,000
  • Liability for death per person for $50,000
  • $10,000 in property damage coverage

Commercial/Business Insurance Coverage

You can choose from any of the following coverage options to protect your business:

  • General liability coverage- This will cover your business for third-party risks and is typically required for all commercial leases.
  • Professional liability coverage- This coverage is also known as errors and omissions coverage and protects your business against lawsuits related to work performance.
  • Cyber liability coverage- This will protect your business against data breaches and cyberattacks. This is highly recommended if your business deals with sensitive data such as credit card numbers.
  • Business owner’s policy- This is a combination of general liability and property damage coverage in one plan.


To obtain a quote for Commercial/business insurance, please reach out to us here at Toedt Insurance Agency LLC. You can also visit our office. We are located in Albany, NY.

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Servicing States

  • New York
  • Tennessee - Call for details
  • South Carolina - Call for details


Partner Carriers

  • American Modern
  • AM Trust
  • CNA
  • Foremost
  • Hagerty
  • Lancer Insurance Company
  • Lemonade
  • Liberty Mutual
  • Main Street America
  • Midstate Mutual
  • National Benefit Life
  • National General
  • NYCM
  • Progressive Commercial
  • RLI
  • Safeco
  • Shelter Point Life Insurance Company
  • Standard Security Life
  • Utica First