New York Business Insurance
Information By County

Or call for your free quote:

Get the best NY small business insurance quotes online & info on cost, coverage, minimum requirements, certificates & more.

NY Counties Business Insurance Information

New York Business Insurance Information By County

Are you looking for business insurance information for a county in New York?

Business insurance requirements vary both by state, counties and cities and that state. For example - workers compensation is virtually required in every state, but there are different rules on what constitutes and employee, and how many employees are needed to mandate coverage.

Also New York counties, cities and municipalities might require specific coverages to do business in their jurisdiction. Below you will find every county in NY that you can use to start researching the business insurance policies, endorsements and limits that may be required.

Looking for New York business insurance information in a county? Find commercial insurance info - including costs, coverages and requirements - from all counties in NY.

Where Can I Find Business Insurance Information For Counties In New York?

Finding NY business insurance information by county is simple - just by searching our New York Directory of Counties - you can find the business insurance policy information you are looking for - including costs, coverages, minimum requirements and more.

New York Business Insurance Information Results By County:

New York - Small Business Insurance Information By County

How Are New York State, County And Municipal Governments Organized?


The entire area of the state of New York is encompassed by county governments with the exception of the city of New York. The five county areas comprising the city of New York (Bronx, Kings, New York, Queens, and Richmond) are substantially consolidated with the city for governmental purposes and are not counted as separate operating governments.

The city of New York is counted as a municipal government, rather than as a county government, in U.S. Census Bureau statistics on governments. The county governing body is called the board of supervisors, the county legislature, the board of representatives, the legislative board, or the board of legislators. County governments in New York have broad home-rule powers.


The subcounty general purpose governments in New York consist of municipal (city and village) governments and town governments. These two types of governments are distinguished primarily by the historical circumstances surrounding their incorporation. City, town, and village governments have similar powers and perform similar functions.

Municipal Governments

In New York, the municipal governments, as defined for Census Bureau statistics, are the cities and villages. Towns, which are treated as municipalities in New York statutes, are counted for Census Bureau statistics as towns, rather than municipal governments.

Unlike cities, which exist outside the area of any town, villages are included within town areas and are subject to town taxes for general government functions. City and village governments have broad home-rule powers. There is no longer any effective size classification of cities or villages.

Town or Township Governments

Although not differing in legally authorized powers from cities and villages, units designated as "towns" are counted in Census Bureau statistics as a separate type of government. The entire area of the state is encompassed by town governments, except for areas within the boundaries of cities and American Indian reservations. Towns are divided under general law into two classes according to population, but there are numerous exceptions:

  • First-class towns have a population of 10,000 or more.
  • Second-class towns have fewer than 10,000 inhabitants.
  • However, a town with a population between 5,000 and 9,999 and meeting assessed valuation of real property requirements may choose to become a town of the first class.
  • Under general law, all towns in Westchester County are specified as towns of the first class.
  • Also under general law, all towns in the counties of Suffolk and Broome, the town of Potsdam in St. Lawrence County, and the town of Ulster in Ulster County are specified as towns of the second class, although these towns all have the option of changing their classification to towns of the first class.
  • New York laws also provides for "suburban towns," which must have a population of at least 25,000, or a minimum population of 7,500 and are located not more than 15 miles from a city with a minimum population of 100,000.

New York town governments have broad home-rule powers. Under general law, an elected town supervisor is the administrative officer of the town, except in towns with an appointed town manager.

Find more information on the state of New York website.

Note: Some of this info was provided by the U.S. Department of Commerce, Economics and Statistics Administration and the U.S. Census Bureau.

How Do I Contact The New York Insurance Commissioner?

1 State Street
New York, NY 10004-1511
Phone: (212) 480-6400


Request a free County New York business insurance quote, or in these other NY counties: Albany, Allegany, Bronx, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Cortland, Delaware, Dutchess, Erie, Essex, Franklin, Fulton, Genesee, Greene, Hamilton, Herkimer, Jefferson, Kings, Lewis, Livingston, Madison, Monroe, Montgomery, Nassau, New York, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Otsego, Putnam, Queens, Rensselaer, Richmond, Rockland, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, St. Lawrence, Steuben, Suffolk, Sullivan, Tioga, Tompkins, Ulster, Warren, Washington, Wayne, Westchester, Wyoming and Yates.

Or you can also request a free commercial insurance quote for NY cities: Airmont, Albany, Albion, Amityville, Amsterdam, Auburn, Babylon, Baldwinsville, Ballston Spa, Batavia, Bath, Bayville, Beacon, Binghamton, Briarcliff Manor, Brockport, Bronxville, Buffalo, Canandaigua, Canton, Cedarhurst, Chestnut Ridge, Cohoes, Colonie, Corning, Cortland, Croton-on-Hudson, Depew, Dobbs Ferry, Dunkirk, East Aurora, East Hills, East Rochester, East Rockaway, Elmira, Endicott, Fairport, Farmingdale, Floral Park, Fredonia, Freeport, Fulton, Garden City, Geneseo, Geneva, Glen Cove, Glens Falls, Gloversville, Goshen, Great Neck Plaza, Great Neck, Hamburg, Harrison, Hastings-on-Hudson, Haverstraw, Hempstead, Herkimer, Hilton, Hornell, Horseheads, Hudson Falls, Hudson, Ilion, Irvington, Ithaca, Jamestown, Johnson City, Johnstown, Kenmore, Kingston, Kiryas Joel, Lackawanna, Lake Grove, Lancaster, Larchmont, Lawrence, Lindenhurst, Lockport, Long Beach, Lynbrook, Malone, Malverne, Mamaroneck, Manorhaven, Massapequa Park, Massena, Mechanicville, Medina, Middletown, Mineola, Monroe, Monticello, Mount Kisco, Mount Vernon, New Hyde Park, New Paltz, New Rochelle, New Square, New York, Newark, Newburgh, Niagara Falls, North Syracuse, North Tonawanda, Northport, Norwich, Nyack, Ogdensburg, Olean, Oneida, Oneonta, Ossining, Oswego, Patchogue, Peekskill, Pelham Manor, Pelham, Plattsburgh, Pleasantville, Port Chester, Port Jefferson, Port Jervis, Potsdam, Poughkeepsie, Rensselaer, Rochester, Rockville Centre, Rome, Rye Brook, Rye, Salamanca, Saranac Lake, Saratoga Springs, Scarsdale, Schenectady, Scotia, Seneca Falls, Sleepy Hollow, Solvay, Spring Valley, Suffern, Syracuse, Tarrytown, Tonawanda, Troy, Tuckahoe, Utica, Valley Stream, Walden, Wappingers Falls, Warwick, Washingtonville, Waterloo, Watertown, Watervliet, Webster, Wesley Hills, West Haverstraw, Westbury, White Plains, Williamsville, Williston Park, Woodbury, Yonkers including the neighborhoods in the Five Boroughs of New York City (Bronx, Brooklyn, Manhattan, Queens, and Staten Island):

Borough Park, Bronx Park and Fordham, Brooklyn, Bushwick and Williamsburg, Canarsie and Flatlands, Central Brooklyn, Central Harlem, Central Queens, Chelsea and Clinton, East Harlem, East New York and New Lots, Flatbush, Gramercy Park and Murray Hill, Greenpoint, Greenwich Village and Soho, High Bridge and Morrisania, Hunts Point and Mott Haven, Inwood and Washington Heights, Jamaica, Kingsbridge and Riverdale, Lower East Side, Lower Manhattan, Manhattan, Mid-Island, North Queens, Northeast Bronx, Northeast Queens, Northwest Brooklyn, Northwest Queens, Port Richmond, Queens, Rockaways, South Shore, Southeast Bronx, Southeast Queens, Southern Brooklyn, Southwest Brooklyn, Southwest Queens, Stapleton and St. George, Staten Island, Sunset Park, Upper East Side, Upper West Side, West Central Queens, West Queens and all other NY cities & New York counties near me in The Empire State.

Also find NY local small businesses by General Liability Class Code and learn about New York small business insurance requirements for general liability, business property, commercial auto & workers compensation including NY business insurance costs. Call us (212) 235-2003.