Business insurance in Rochester, Buffalo, Syracuse, Albany and NYC.

In today’s ever-changing world, risk is constant and your business insurance needs to keep up. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

As a business owner you might be looking for advice on your workers’ compensation program or want to be sure you don’t have any commercial insurance gaps.  Our advisors are here to provide you with guidance so you can make the best choice for your business.

Workers’ Compensation Insurance

Workers’ compensation insurance covers employees injured on the job.  Whether you are only in New York or have operations in multiple states, our experts can tailor a program for your specific needs.

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General Liability Insurance

No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.

Business Auto Insurance

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.

Commercial Property Insurance

Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.

Cyber Liability Insurance

Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.

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Commercial Umbrella Insurance

Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.

Errors & Omissions Liability Insurance (E&O)

Errors & omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.

Employment Practice Liability Insurance (EPLI)

As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.

Directors & Officers Liability Insurance (D&O)

Directors & officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.

Business Owners Insurance (BOP)

A business owners policy combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.

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Crime Insurance

Every company, regardless of size, is a potential target for white collar crime. We’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.

Surety Bonds

A surety bond is a great way to guarantee that a large investment in a project is not lost—whether or not the work gets done. This type of insurance is especially common in the construction industry, and is often utilized for government contracts.

Inland Marine Insurance

Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.

Systems Breakdown Insurance

Systems breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. We’ll design comprehensive coverage to protect your business against a financial disaster.

Fiduciary Liability Insurance

Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mismanagement of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled responsibly and your trustees are protected.

Captive Insurance Management

Captive insurance is a unique way for a business to insure itself. In many cases it can improve a business’ tax position and help to avoid legal pitfalls. Could captive insurance be an option for your business?

Paid Family Leave

Paid Family Leave is a mandatory benefit that is added as a rider to your NY Statutory Disability Policy. Our experts can guide you through the maze of payroll deductions, recordkeeping, and employee communication.

NY Statutory Disability Insurance

Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We’ll implement a plan structured just for you.

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Pro-Active License Monitoring

Our license monitoring services will stay on top of all of the changes, updates or notifications regarding your motor vehicle; giving you peace of mind when you’re on the road. 

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Every business presents its own set of unique risks.  Our insurance advisors have in-depth knowledge and experience with a variety of industries, including our vertical markets featured below.

Nursery & Landscape Insurance

Nursery and landscape businesses face unique risks associated with pesticide application, using leased equipment, snow plowing operations and greenhouses. We have green industry solutions to provide both the commercial lines and workers’ compensation coverage you need.

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Real Estate Insurance

Real estate owners and managers face many challenges when developing a workers compensation program.  No matter the size or complexity of your portfolio, we have a team of advisors armed with insurance know-how to design a perfect program to reach your business goals.

Dealership Insurance

The risks associated with owning a dealership are diverse, no matter what you sell. Our exclusive workers’ comp insurance program will help you protect your business and your employees.

Manufacturer Insurance

Manufacturers come in all shapes, sizes and product lines. Our exclusive workers’ comp insurance program is tailored to be sure the correct classifications are applied and that your experience modification factor is reviewed so you don’t overpay.

Refuse and Recycling Insurance

Our team will do a thorough analysis of your refuse business, identify your exposure to risk and advise you of any potential gaps.

Marina and Boat Dealer Insurance

Boat dealers and marinas need to work with workers’ compensation experts to protect them from a variety of risks. As the exclusive provider of workers’ comp insurance to the Empire State Marine Trades Association, we have earned their trust to be sure their members don’t overpay.

Garage Repair Shop Insurance

Garage repair shops looking for workers’ compensation experts come to The Flanders Group to insure their risks are being controlled and their employees well-being is paramount.

Non-Profit Insurance

Even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that you can face. We’ll help you design a non-profit workers’ compensation insurance policy that covers your organization’s unique needs.