Business Insurance in Western NY

Manage Risk Wisely

Managing risk is a critical part of running a business. With access to a broad portfolio of commercial insurance solutions, we help businesses in Rochester, Buffalo, and across Western NY protect their assets and liabilities with the right coverage and carriers for their unique needs.

One Call To Manage Them All

We can also provide coverage to safeguard the people and property that are most important in your life. That means our insurance advisors can help you find the best coverage for your business and personal insurance needs.

General Liability

Protects business assets in the event of business or property damage.

Disability Insurance

Insurance providing income to a policyholder who is disabled and cannot work.

Employee Practices Liabilities Insurance (EPLI)

Insurance against claims of discrimination of a protected class, sexual harassment, wrongful termination, infliction of emotional distress, and breach of contract by an employee.

Crime

Protects businesses in case of employee theft, robbery, burglary, forgery, or embezzlement.

Directors & Officers (D&O)

Financial protections for directors & officers in the event they are sued in conjunction with the performance of their duties.

Property

Protection for business owners in the event of unforeseen circumstances, such as natural disasters, fires, criminal theft, and other perils that could damage property.

Errors and Omissions (E&O)

Protects companies and individuals against claims made by clients for inadequate work or negligent actions (also known as Professional Liability Insurance).

Cyber Liability

Addresses the first-party and third-party risks associated with e-business, the internet, networks, and informational assets.

Workers’ Compensation

Coverage for employees who have suffered injury or illness resulting from job-related duties.

Pay-As-You-Go Workers’ Comp

Workers’ Comp insurance premiums are collected based on actual payroll wages. For businesses in Rochester, Buffalo, and across Western NY, we streamline the process by providing real-time payroll data to your insurance carrier each pay period—helping you avoid overpayments and reducing audit time at policy year-end.

Need something a bit more personal?

View our home and auto insurance offerings in Rochester, NY.

Educational Resources

Why Businesses Choose Bene-Care

      EXCELLENT  
   Based on 136 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   Mackenzie H 
 81 days ago
 
 
 Trustindex verifies that the original source of the review is Google. They are great here, They are always ready to help!
  
 
     Posted on Google  
   
   Michael M 
 347 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Rob Mertel and his team at Bene-Care have handled our business's  health insurance needs for over 10 years.  Whether routine or non-routine, both my inquiries and my employees' inquiries are handled promptly and professionally.  Rob personally audits our account annually to ensure that we have the carriers and coverage that best suits our business.  Without hesitation, I confidently recommend Bene-Care.
  
 
     Posted on Google  
   
   Mary F 
 347 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent experience with Bene-Care.  Our company receives health insurance services and has run smoothly for several years.  Personnel is very responsive to our needs.
  
 
     Posted on Google  
   
   Miss J 
 347 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We use Benecare,  I cannot tell you how helpful they are.  Whenever I need help or information they get back to me promptly and have helped me with everything from payroll, insurances, and reports for our audits. Great customer care! Highly recommend
  
 
     Posted on Google  
   
   Kathy W 
 347 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Ever since we switched to this insurance company, our agent has saved us money.  She has been so helpful on coverage not only for ourselves but for our son as well.  Great group to work with.   She also continues to watch our plans and notifies us of any changes.  Highly recommend giving them a call.
  
 
     Posted on Google  
   
   Michael O 
 347 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Bene-Care is awesome!!  Everyone there is so friendly, nice, and most of all responsive and helpful.  Their knowledge and expertise are far above anything we've ever had in the past.  Rob is so wonderful to work with and he literally handles everything!  He encourages our employees to contact him or anyone at Bene-Care if they have any issues.  The help you navigate the pesky insurance industry  from open enrollment to provider billing issues.  I highly recommend Bene-Care!
  
 
     Posted on Google  
   
   Mohammed Y 
 348 days ago
 
 
 Trustindex verifies that the original source of the review is Google. This is a great company to work with. I have all my personal and business insurance needs covered, payroll and they handle everything you’re looking for. They will help you with whatever you need, and I want to give a special thanks to Megan Tamayo — she goes above and beyond. Ron Stade and Skyler Bowman also try to help as much as they can! Great people to work with!
  
 
     Posted on Google  
   
   Joe S 
 350 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I can't say enough good things about Bene-Care. They are friendly and most professional Insurance Company that have worked with. Phone calls are answered quickly. I highly recommended Bene-Care Inc.
  
 
     Posted on Google  
   
   Colleen S 
 353 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We were referred to Bene-Care from a friend three years ago, and we could not be happier with their service.
Every year I reach out to Anthony Allocco-Angell to ask questions about our insurance options for the upcoming year. Every year I am so impressed with his knowledge of the products offered, his patience with my questions, the efficiency of anything he needs to assist us with and most importantly his kindness. He makes you feel like you are his only client. Thank you Anthony for always bringing us such peace of mind year after year.
  
 
     Posted on Google  
   
   Suzanne M 
 353 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from Rob Mertel and his team in navigating health insurance options and setting up an effective plan for our team.
  
 
     Posted on Google  
   
   Kate J 
 353 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Bene-care provides excellent service to its clients in both insurance benefits and payroll services. Their agents and customer service representatives go above and beyond.  Highly recommend !
  
 
     Posted on Google  
   
   Peter B 
 1038 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding!
Bene-Care is everything you want from an insurance agency. Excellent customer support always. The latest technology like as Docusign makes transactions convenient.
We have been a customer for many years.  Most insurance agencies get complacent and simply forward the updated policy they receive each year rom the insurance company - its so easy to do this. But Megan there actively shopped our policy around and came up with an alternate provider that saved us thousands!  Why would I think about going anywhere else?
  
 
 
  
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Business and Commercial Insurance FAQs

What business insurance is required in New York?

Most New York businesses with employees must carry Workers’ Compensation, New York State Disability Benefits, and Paid Family Leave coverage, subject to applicable exemptions. Businesses with vehicles registered in the company’s name also need auto insurance. General Liability and Commercial Property insurance aren’t required by state law, but landlords, customers, and vendors often require them. General Liability helps protect against covered third-party injury and property damage claims, while Commercial Property helps protect buildings, equipment, and inventory. A Business Owners Policy (BOP) combines both and may include Business Income coverage. Bene-Care can help you identify the coverage your business needs.

From required coverage to added protection, let Bene-Care help with your business insurance needs.

Is Workers’ Compensation insurance required for small businesses in New York?

Yes. Most New York businesses with employees must carry Workers’ Compensation, even with only one employee, and requirements can apply to part-time and seasonal workers. It provides benefits for work-related injuries and illnesses, including eligible medical expenses and lost wages. Pay-as-you-go Workers’ Compensation lets eligible businesses pay premiums based on actual payroll instead of an annual estimate, which can help businesses with seasonal or changing staff. Policies are still subject to audits. Ask Bene-Care about payroll-based billing options.

Looking for Workers’ Compensation or a more flexible way to pay? Let our team help you explore your options, including pay-as-you-go billing.

Does my business need Commercial Auto insurance if I use my personal vehicle for work?

If a vehicle is registered in your business’s name, commercial auto coverage is generally needed. Even with a personal vehicle, regularly using it for business may create coverage gaps under a personal auto policy. The right coverage depends on who owns the vehicle, how it’s used, who drives it, and the insurance company’s guidelines. Bene-Care can help determine what coverage your business needs.

Not sure your personal or business vehicles are properly insured? Connect with our team to review your options.

Does my small business really need Cyber Liability insurance?

Cyber threats aren’t limited to large companies. Small businesses can also face phishing scams, ransomware, email compromises, and data breaches. Cyber Liability insurance can help protect against certain losses from covered cyber incidents and, depending on the policy, may include data recovery, incident response, legal expenses, business interruption, and some cyber fraud losses. If your business uses email, takes electronic payments, or stores customer information, it’s important coverage to consider.

Think your business is too small for cybercrime? Think again. Connect with our team to explore Cyber Liability protection.

What is Professional Liability insurance, and how is it different from General Liability?

General Liability primarily covers certain third-party bodily injury and property damage claims. Professional Liability, also called Errors and Omissions (E&O) insurance, helps protect against covered claims from professional mistakes, negligence, or failing to deliver services as expected, such as a client claiming a consultant’s or accountant’s advice caused them financial harm. Businesses with General Liability may still need separate Professional Liability coverage.

Already have General Liability? You may still have gaps. Let our team help you explore Professional Liability coverage.

What is Employment Practices Liability Insurance (EPLI), and why would my business need it?

EPLI helps protect businesses against certain employment-related claims, such as wrongful termination, discrimination, harassment, and retaliation. These claims can affect businesses of any size, even those with only a few employees. EPLI may help cover eligible legal defense costs, settlements, and judgments, subject to policy terms. If your business has employees, it’s important coverage to consider.

Whether you have one employee or a full team, employment claims can happen. Let our team help you explore EPLI coverage.

Business & Commercial Insurance Insights

Stay informed on business insurance trends, coverage considerations, and practical strategies to help manage risk and protect what you’ve built.

Let’s Go There, Together

Get in touch today so we can start finding the solutions to help you manage your people and transform your business.