Our Flexible and Affordable Commercial Insurance Offers

Discover insurance solutions designed with your flexibility and budget in mind. Our offerings are tailored to meet your unique requirements, ensuring you get the coverage you need at a price that works for you.

4.6/5 on Google

PRODUCT

Fuel Your Aspirations with Our Competitive Commercial Insurance Rates

Unlock Affordable Protection for Your Business with Our Premium Commercial Insurance Rates

FEATURES

Protect Your Business with Our Affordable Commercial Insurance Solutions

Steer Towards Stability and Growth with Financial Confidence with Our Budget-Friendly Commercial Insurance Coverage

Easy application process

Flexible payment options

Competitive rates

FEATURES

Seize Command of Your Financial Destiny with Our Customized Commercial Insurance Offerings

Our streamlined and hassle-free application procedure, along with competitive rates and adaptable coverage options, simplifies acquiring the insurance you need for your business while ensuring peace of mind.

Competitive rates to help you save money on your Commercial Insurance

If you’re looking for inclusive commercial insurance, we hold the expertise and solutions to assist you in achieving tranquility for your business fleet.

Business liability insurance

Also called general liability insurance, this coverage protects your business from property damage claims or bodily injury claims which can happen during your usual business operations.

Commercial auto insurance

Insurance that pays for medical expenses and property damage resulting from an accident caused by the company car.

Commercial property insurance

This covers buildings, inventory, tools, and equipment from various risks like fire, theft, or vandalism.

Workers compensation insurance

If one of your employees suffers a work-related injury, workers’ compensation insurance covers medical expenses, lost wages, and disability benefits.

Commercial Crime Insurance

Commercial crime insurance provides protection from financial losses related to business-related crime, including theft by employees, forgery, robbery, and electronic crime.

Business Owners Policy Insurance (BOP)

A Business Owner’s Policy (BOP) combines business property and business liability insurance into one business insurance policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters.

Commercial Insurance Company You Can Trust

Kinowski Agency Inc Reviews

Chloe Smith-Sweet

2023-08-26

I have been working with Nancy and Brenda at the Johnstosn Kinowski Agency since I was eight teen years old. Through moves, accidents, and getting new cars they have always been helpful and there. Truly two of the best people around. Grateful for them ❤️💕

Jennifer Cox

2023-06-24

I was looking for car insurance for my daughter and by far this is the best place I have ever come across for car insurance. These folks are amazing! The atmosphere is amazing, the agents are amazing! Definitely come to them to get your insurance needs covered. They are A+

John Lennon

2023-04-26

We were under pressure to find a last minute replacement for our current insurance. Our present agent didn't seem to be trying to get us a better deal on homeowners & auto. We contacted Craig at Kinowski only 3 days prior to our policy lapsing, on a (Sunday) and he went above and beyond to get us a policy that was better than we had and saved us $600. to boot by Saturday. We highly recommend this agency if you want to be treated like they care...because they do. JDL Sr.

Nancy Kosinski

2023-03-02

I approached Kinowski Agency when the premium increased by 16% with the carrier that I had been with for 23 years. Roberta at Kinowski was able to secure comparable coverage at very significant savings. I highly recommend using this agency for all your insurance needs.

Michael Young

2023-02-24

Craig was very helpful and professional. ******

Marv A

2023-02-22

Excellent experience, knowlegeable people, friendly and very helpful.

FAQS

Frequently asked questions

Why is commercial insurance important for businesses in New York?

Commercial insurance is vital for businesses in New York because it provides essential financial protection against unexpected risks and liabilities. Business operations can face property damage, accidents, lawsuits, and other unforeseen events. Commercial insurance safeguards your business assets, helps cover medical expenses, legal fees, and compensates for losses, ensuring your business remains resilient and financially secure.

What is general liability insurance and how does it safeguard my business?

General liability insurance, often referred to as business liability insurance, offers coverage for property damage or bodily injury claims that may arise during your regular business activities. If someone is injured on your premises or if your business activities cause harm to others, this insurance covers legal defense costs, medical expenses, and property damage payments, shielding your business from substantial financial burdens.

Why should I consider getting commercial auto insurance for my company-owned vehicles?

Commercial auto insurance is crucial for protecting your company-owned vehicles and mitigating potential liabilities arising from accidents. In case of an accident involving your business vehicle, this insurance covers medical expenses, property damage, and legal costs, ensuring that your business assets and finances are safeguarded.

What does commercial property insurance cover and how can it benefit my business?

Commercial property insurance is designed to protect your business assets, including equipment, inventory, furniture, and even the building itself. It offers coverage against risks like fire, theft, vandalism, and other covered perils. If any covered event leads to damage or loss of business property, this insurance provides financial compensation, allowing you to recover and continue operations.

What is workers' compensation insurance, and how does it protect both business owners and employees?

Workers’ compensation insurance is a vital protection for both business owners and employees. If an employee experiences a work-related injury or illness, this insurance covers medical expenses, lost wages, and disability benefits. It not only helps employees receive necessary care but also shields employers from potential lawsuits by providing a structured and fair system of compensation.

How can Kinowski Agency Inc. assist New York business owners in selecting the right commercial insurance?

Kinowski Agency Inc. offers expert guidance and personalized assistance to New York business owners in selecting appropriate commercial insurance coverage. Our knowledgeable agents in Amsterdam and Johnstown work closely with you to understand your specific business needs, risks, and goals. We tailor insurance solutions that align with your requirements, ensuring comprehensive protection for your business.

Are the types of commercial insurance mentioned the only options available for protecting my business?

The types of commercial insurance mentioned in the content are just a selection of the available options. Depending on your business’s nature, size, and industry, there might be additional insurance solutions that could be beneficial. Our experienced agents can provide insights into a wider range of insurance options to ensure a customized and robust protection plan for your business.

Do I need to visit your Amsterdam or Johnstown offices in person to get coverage, or can I do it remotely if I'm located elsewhere in New York?

While our offices are located in Amsterdam, NY, and Johnstown, NY, we serve clients across New York and can assist you remotely. Our agents are equipped to communicate, consult, and facilitate insurance solutions through various digital channels, ensuring that you can access our expertise and coverage options conveniently, regardless of your location in New York.