Small business insurance in NY and NJ.
Business insurance from Kelly Qu Agency covers the four-policy stack most NYC and NJ small businesses actually need: a Business Owners' Policy (BOP), commercial auto, workers' compensation, and umbrella liability — all written through Allstate and adjacent commercial carriers, by a local agent who speaks your team's language.
Industries we write most often in NYC and NJ
- Restaurants, bakeries, cafés, food trucks
- Construction subcontractors and general contractors (Scaffold Law–aware policies)
- Home health, in-home care, and adult day services
- Professional services (CPAs, attorneys, consultants) — including E&O
- Retail storefronts, salons, and boutique fitness
- E-commerce warehouses across Queens, Bronx, and northern NJ
- Trucking, livery, last-mile delivery — TLC compliance and DOT filings
Frequently asked questions
What's a Business Owners' Policy (BOP)? +
Do I need workers' comp in NY or NJ? +
What does general liability NOT cover? +
Can you insure a home-based business in NYC? +
What about NYC's Scaffold Law for contractors? +
Business coverage, from the Notebook.
Workers' comp in NY and NJ: when you need it, what it costs
New York and New Jersey trigger workers' comp differently, and the owner-exemption rules are opposite. Here's what a small business actually needs in 2026.
LIRR and Metro-North commuters: the auto insurance break most miss
If you commute by rail, your car sits in a driveway all day. Most policies never get repriced for that. Here's the garaging and mileage math for NY rail commuters.
What your Manhattan co-op board's insurance rider actually requires
Waiver of subrogation, primary and non-contributory, all-risk — the clauses in a Manhattan co-op board's rider that a standard HO-6 can't always satisfy.
Want a real local agent on the phone?
We answer the phone, in English, Mandarin, and Spanish.