Commercial Property Insurance in New York

From retail shops in Brooklyn to warehouses in Buffalo, New York businesses count on their physical spaces to stay productive and profitable. At F&T Insurance Agency, we help business owners across the Empire State find commercial property insurance NY companies rely on—coverage that matches your space, your city, and your industry.

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Made for New York Business

Business Property Coverage That Fits NY

Whether you're operating in the heart of Manhattan or running a storefront in Rochester, your space needs to be protected against everything from vandalism to severe weather. We tailor business property coverage NY companies need to stay resilient, offering affordable commercial property insurance NY-wide that’s backed by real people and reliable guidance.

Property Damage Protection

Our policies cover damage from fire, storms, burst pipes, or vandalism—so you can repair, rebuild, and reopen without missing a beat.

Contents & Asset Coverage

We help protect your equipment, inventory, and furnishings—from Point of Sale systems in Queens to machinery in Yonkers.

Business Interruption Support

If damage forces you to temporarily shut down, we help you recover lost income and manage expenses during the rebuild.

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Questions New York Business Owners Ask

  • What does commercial property insurance cover in NY?

    Coverage typically includes the building, business contents, upgrades to leased spaces, and lost income due to interruptions.

  • Is it required by New York law?

    Not by state law, but most commercial leases, lenders, and franchise contracts require it. It’s also essential for business continuity.

  • Can I insure properties in multiple NY locations?

    Yes. We design policies that scale with your business—whether you operate in one borough or statewide.

  • Does my coverage include flood or hurricane damage?

    Not automatically. We’ll assess your risk—especially in coastal or flood-prone areas—and add those protections where needed.

  • How do I get affordable commercial property insurance in NY?

    We shop the market for competitive rates and structure your policy based on your property’s value, location, and exposure.

Here for NY Business Owners

Let’s Protect Your New York Property

At F&T Insurance Agency, we know that running a business in New York means being ready for anything. We help you choose coverage that’s built for your location, stay compliant with your lease or lender, and recover quickly when the unexpected hits.

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