Business Insurance That Protects What You Have Built
As a licensed insurance broker, we shop multiple carriers to find the right coverage at competitive rates. General liability, workers compensation, and disability — the policies every New York business needs.
Why Get Insurance Through Advantage?
Broker, Not Agent
An insurance agent represents one company. A broker represents you. We compare policies across multiple carriers to find the best coverage and price for your situation.
Bundled with Compliance
We handle your licensing, formation, and tax — so we know exactly what coverage your business requires. No gaps, no over-insuring.
Audit Support
When your workers comp audit arrives, we do not disappear. Our audit defense team fights to reduce overcharges and penalties.
Coverage We Provide
General Liability Insurance
Protects your business against claims of bodily injury, property damage, and personal injury. Required by most commercial leases, contracts, and licensing agencies. We shop multiple carriers to find competitive rates for your industry.
Who needs it: Every business — especially contractors, restaurants, and retail stores
What it covers:
- ✓Bodily injury to third parties
- ✓Property damage claims
- ✓Personal and advertising injury
- ✓Medical payments
- ✓Legal defense costs
Workers Compensation Insurance
New York State requires workers compensation coverage for virtually all employers — even those with just one employee. This policy covers medical expenses and lost wages if an employee is injured on the job. Failure to carry workers comp is a criminal offense in New York.
Who needs it: Any business with employees (required by NYS law)
What it covers:
- ✓Employee medical expenses from work injuries
- ✓Lost wages during recovery
- ✓Disability benefits
- ✓Death benefits
- ✓Employer legal defense
Disability Insurance (DBL)
New York State Disability Benefits Law requires employers to provide disability insurance covering off-the-job injuries and illnesses. This is separate from workers compensation and covers situations where employees cannot work due to non-work-related conditions.
Who needs it: Any business with employees (required by NYS law)
What it covers:
- ✓Off-the-job injury or illness
- ✓Pregnancy-related disability
- ✓Partial wage replacement
- ✓Up to 26 weeks of benefits
- ✓Paid Family Leave (PFL) integration
New York State Requirements
If you have employees in New York, you must carry:
Workers Compensation Insurance
Failure to carry workers comp is a criminal misdemeanor in New York. Penalties include fines of $2,000 per 10-day period of non-compliance and potential jail time.
Disability Benefits (DBL)
Required for all employers with one or more employees. Covers off-the-job injuries and illnesses, including pregnancy-related disability.
General Liability Insurance
Not legally required in all cases, but required by most commercial leases, contracts, and licensing agencies. Effectively mandatory for operating businesses.
Get the Right Coverage at the Right Price
Tell us about your business and we will shop multiple carriers for competitive quotes. Free consultation, no obligation.