11/04/2026
Don't buy business insurance... until you avoid these 6 mistakes NYC owners make 👇
❌ Picking the cheapest quote
✅ Cheap usually means low limits, high deductibles and a long exclusions list. Compare coverage, not just price
❌ "I have an LLC, I'm covered"
✅ An LLC protects your personal assets. It doesn't pay for a lawsuit, an injury or a fire
❌ Not knowing what NY requires
✅ Have even 1 employee? Workers' comp + DBL/PFL are mandatory. No comp = fines up to $2,000 every 10 days
❌ Never reading the exclusions
✅ Ask your broker one question: "What's NOT covered?"
❌ Buying policies one by one
✅ A BOP bundles property, liability and lost income, often for less
❌ Setting it and forgetting it
✅ Hired staff, added a truck or grew revenue? Your policy needs to change too
💡 Most denied claims start the day the policy was bought, not the day of the loss.
We compare 12+ carriers and explain it in plain English.
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