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Protecting the property you, or your business owns

Starting from

$ 10/MO


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Get Choco Property Insurance for Your New York Business Insurance Needs

New York State is the country of small businesses with approximately 220,000 businesses located in New York City only, and 2.1 million more small businesses across New York State. 

New York business owners should consider several types of insurance to protect against risks associated with daily operations, employees, and business property. 

One of the fundamental insurance coverages for businesses in New York is property insurance. This type of business insurance, also known as commercial property insurance, helps protect your business property, whether you own or rent it. It provides coverage for commercial buildings and portable property owned by your business. 

The things property insurance in new york protects from:

  • Personal property located at your business

  • Tools and equipment you use for business

  • Inventory stored at your office or warehouse

  • Furniture, such as couches, desks, chairs, and tables

  • Computers you use to run your business

  • Accounts receivable and other important documents

  • Outdoor landscaping, like fences

The type of risks property insurance in new york covers:

  • Theft

  • Loss

  • Fire 

  • Collision

What does business property insurance cover?

A couple walking in the park with a small dog. The man is taking a selfie

Business property insurance covers the costs to repair or replace your property building, personal property, equipment such as furniture, computers, documents, and inventory stored at your office, store, or warehouse. Most of the business property policies will also cover outdoor items such as landscaping, garden equipment and furniture, fences and more.    

What does business property insurance cover?

If you own a business in New York, and you have any physical location, whether it’s a store, restaurant office, manufacturing space, or a storage facility for your inventory - you probably need business property insurance. 

There are types of insurance that are legally required in New York, such as Workers’ Compensation. In many cases, a hiring company will require you to purchase liability insurance. Purchasing a package of insurance policies may benefit your New York business since you can get a discounted premium on a bundle. In addition, having a single point of contact for your New York business insurance can make your life easier. 

Choco offers an insurance package for businesses that combines business property insurance, business liability insurance, and Workers’ Compensation into one package at a discounted rate. Choco can help protect your physical location in New York,  

Whether you own or lease your location, commercial property insurance can help you protect your business, so if a fire destroys your store or inventory or your office staff has been stolen, this insurance should cover the repairs or replacement costs.

How can I customize my property insurance coverage?

Choco is built to help you get tailored, personalized business property insurance. You can customize your policy to meet your business's specific needs and include protection for valuable papers or records.

How much does New York business property insurance cost?

The cost of business property insurance in New York state depends on various factors, including the business’s size, location, activities, and the amount of coverage needed for the policy. The average cost of business property insurance in New York State is around $700 annually. In contrast, a business in a highly-populated area like New York City may bury different risk premiums than one located in less populated cities like Buffalo or Albany.

Learn more about the factors that affect your business insurance prices. You can get a customized quote online to find out your business property insurance rate.




Digital Agent will ask you to enter your business details and get covered in less than five minutes.



In most casees you'll receive an instant quote. If your case is complex, it may take a few more days.



We’re 100% digital. It couldn’t be easier, or faster.



Your personal AI agent is available at your service 24/7, to help you with anything you need.

Abigail, our AI, is the most experienced appointed agent. She will walk you through the buying process and help you understand the various laws, class codes, and underwriting involved with property insurance.


Why Choco?

At choco - your peace of mind is our top priority. We consider ourselves as the #1 Insurer in America for small businesses. You can trust our technology and vision to address your commercial insurance needs. We’ll help you build a customized policy that matches your New York business needs.

Digital Native – Your new york business property insurance policy with all the possible coverage combinations will be crafted online by our AI and tailored to your business needs. We are the first digital native insurer in the world, and our mission is to make it easy for you to get your policy online, get service from anywhere at any time, and have your AI agent available at your service 24/7.

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