New York has 19,852,366 residents. We list 32 agencies for commercial umbrella insurance in New York. Here is what the local numbers say about the cover people here need.

New York at a glance

32commercial umbrella insurance agencies listed
45.7%of households rentRenters insurance
$423,800median home valueHome insurance
1959median year homes were builtRebuild cost calculator
29.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across New York

How many of New York’s 62 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Lightning20 of 62 counties
Very High in Kings County, Westchester County, Suffolk County and 1 more.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in New York
Winter weather18 of 62 counties
Very High in Kings County, Queens County, Erie County and 7 more.
Ice storm17 of 62 counties
Very High in Nassau County, Onondaga County, Suffolk County.
Strong wind15 of 62 counties
Very High in Kings County, Queens County, New York County and 3 more.
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in New York
Inland flooding11 of 62 counties
Very High in Kings County, Queens County, New York County.
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in New York
Hurricane7 of 62 counties
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in New York

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in New York

New York requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($50,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident). New York is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in New York How much liability cover do you need?

Source: dfs.ny.gov. Checked 2026-10-24.

Insurance companies New York agencies work with

Of the 32 New York agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

RLI32 agencies
Travelers24 agencies
The Hartford18 agencies
AmTrust16 agencies
Employers16 agencies
Great American16 agencies
Chubb14 agencies
Chubb (ACE)14 agencies
Nationwide14 agencies
Philadelphia Insurance14 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Commercial Umbrella insurance in New York

All insurance agencies in New York · Commercial Umbrella insurance in every state

Where can I find commercial umbrella insurance in New York?

Pick your city in the list on this page to see every agency there that offers commercial umbrella insurance, or search by name or ZIP code.

What does commercial umbrella insurance cover?

Extra liability limits above your general liability and commercial auto policies.

Which insurance companies do New York agencies work with?

Among the 32 New York agencies whose appointments we hold, the companies they are most often appointed with are RLI (32), Travelers (24), The Hartford (18), AmTrust (16), Employers (16). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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