ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Business Insurance Agents Near You in Buffalo, NY

Browse business insurance agents serving Buffalo, New York. Updated 2026-07-14.

The top-rated business insurance agent in Buffalo, New York is Willoughby Insurance, rated 4.8 stars across 1,003 reviews. Other highly rated options include Austin Czaja - State Farm Insurance Agent, Dan Schmidt - State Farm Insurance Agent, Freeway Insurance. This directory lists 28 business insurance agents serving Buffalo.

Showing 28 business insurance agents in Buffalo, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Willoughby Insurance1523 Main St(716) 885-8100
2Austin Czaja - State Farm Insurance Agent765 Wehrle Dr(716) 748-8942
3Dan Schmidt - State Farm Insurance Agent615 Elmwood Ave(716) 783-9460
4Freeway Insurance1526 Walden Ave Suite 500(716) 250-9472
5Lawley361 Delaware Ave(716) 849-8618
6New Buffalo Insurance Agency, Inc.686 Main St Suite 201(716) 332-1570
7The Decker Agency, Inc.37 Elmwood Ave(716) 883-1455
8Niagara National Insurance5001 Genesee St(716) 684-6000
9Walsh Insurance726 Exchange St Ste 200(716) 853-3820
10NYCM Insurance Agency - Home, Auto & Business1840 Clinton St(716) 404-0300
WI
1523 Main St
Willoughby Insurance
Business Insurance Agent · Buffalo, NY

Willoughby Insurance serves the Buffalo, New York, metro area as a business insurance agent. The agency helps local companies secure essential coverage to protect their operations and assets. It guides clients through policies tailored to regional industries and common commercial risks. Its work includes assessing liability exposures and structuring property insurance packages. In this area, the firm handles general liability policies and commercial property coverage for Buffalo enterprises.

AC
765 Wehrle Dr
Austin Czaja - State Farm Insurance Agent
Business Insurance Agent · Buffalo, NY

Austin Czaja - State Farm Insurance Agent in Buffalo, NY, provides a full range of business insurance services, including general liability, property, and commercial auto coverage. It offers ongoing account maintenance to adjust policies as business needs change and provides risk management guidance to help prevent common claims. The company services a variety of commercial properties, such as single-family homes used for business, apartment buildings, retail stores, and restaurants.

DS
615 Elmwood Ave
Dan Schmidt - State Farm Insurance Agent
Business Insurance Agent · Buffalo, NY

Dan Schmidt – State Farm Insurance Agent in Buffalo, NY, serves homeowners, businesses, and property managers throughout the area. The agency offers business insurance policies that help protect commercial property, liability coverage, and income interruption needs. Customized plans are developed to match each client’s specific risk profile. Commercial auto and workers’ compensation options are also available to support local enterprises of all sizes. The office additionally provides coverage to residents and business owners in the neighboring community of Tonawanda within the greater Buffalo metro region.

FI
1526 Walden Ave Suite 500
Freeway Insurance
Business Insurance Agent · Buffalo, NY

Freeway Insurance specializes in business insurance agent services in Buffalo, New York, offering policies that protect local companies against liability and property damage claims. It also helps businesses navigate general coverage needs like workers compensation and commercial auto insurance for their fleets. During the harsh Western New York winters, the agency assists with risk management plans that address potential losses from snow damage or temporary closures due to severe storms.

LA
361 Delaware Ave
Lawley
Business Insurance Agent · Buffalo, NY

Serving Buffalo, NY, and the surrounding Western New York communities, Lawley handles business insurance needs for a range of local enterprises. It works with clients to assess their operational risks, property exposures, and liability concerns specific to the region’s commercial landscape. By carefully reviewing each company’s unique activities and asset values, the agent ensures appropriate coverage levels are recommended. To complete a typical job, it conducts a thorough evaluation of the client’s existing policies and business operations to identify potential gaps and propose tailored solutions.

NB
686 Main St Suite 201
New Buffalo Insurance Agency, Inc.
Business Insurance Agent · Buffalo, NY

New Buffalo Insurance Agency, Inc. in Buffalo, NY provides business insurance coverage tailored to local enterprises. Clients can choose between one-time policies for specific projects or recurring options for ongoing operational protection. The agency structures general liability, property, and other commercial coverage based on each business’s distinct requirements. Service runs on an as-needed basis, with agents available to adjust policies or provide new quotes whenever a client’s situation changes and demands updated protection.

DA
37 Elmwood Ave
The Decker Agency, Inc.
Business Insurance Agent · Buffalo, NY

The Decker Agency provides specialized commercial insurance solutions for local businesses, including general liability and property coverage for retailers and professional services firms. Based in Buffalo, NY, it additionally assists with the ongoing risk management needs of area entrepreneurs and growing companies. The agency emphasizes adapting coverage to match changing operational exposures. During winter months, it commonly helps ice cream shops and landscapers manage seasonal coverage adjustments, such as suspending liability for equipment storage or extending roof collapse protection.

NN
5001 Genesee St
Niagara National Insurance
Business Insurance Agent · Buffalo, NY

When winter storms hammer Buffalo, businesses in Niagara County often face property damage or liability claims that require immediate attention. Niagara National Insurance provides business insurance agency services to local companies navigating these risks. Agents in this area regularly help clients secure coverage for storefronts, warehouses, and service vehicles against seasonal hazards like ice dam damage or slip-and-fall lawsuits. Every policy begins with a thorough on-site inspection of the business premises to assess structural vulnerabilities and operational exposures before any coverage is recommended.

WI
726 Exchange St Ste 200
Walsh Insurance
Business Insurance Agent · Buffalo, NY

Walsh Insurance in Buffalo, New York provides businesses with comprehensive commercial coverage tailored to local operational needs. The company offers additional specialty endorsements that address unique regional risks, such as severe weather protection and liability extensions for seasonal fluctuations. These policies safeguard against common property damage and legal exposures found throughout Western New York commerce. Walsh Insurance supports a diverse range of commercial sectors, including offices, warehouses, and food service establishments.

NI
1840 Clinton St
NYCM Insurance Agency - Home, Auto & Business
Business Insurance Agent · Buffalo, NY

As Buffalo winter storms bring treacherous roads and frozen pipes, local businesses require robust protection against property damage and liability claims. NYCM Insurance Agency - Home, Auto & Business provides comprehensive business insurance coverage tailored to the unique needs of companies in the Buffalo area. They work closely with commercial clients to assess general liability, property, and workers’ compensation exposures. A typical engagement begins with an on-site inspection of the business premises to evaluate existing risks and determine appropriate policy limits for the operation.

FI
1832 Main St Apartment 1
Freeway Insurance
Business Insurance Agent · Buffalo, NY
(716) 588-0715
locations.freeway.com/buffalo-car-insurance-14208-ny
AI
333 International Dr
Amherst Insurance Agency, Inc.
Business Insurance Agent · Buffalo, NY
(716) 580-1200
amherstinsurance.com
CC
735 Delaware Ave
Clauss & Company Insurance Agency
Business Insurance Agent · Buffalo, NY
(716) 886-6600
claussinsurance.com
JJ
137 Summer St
John J Grimaldi & Associates Inc
Business Insurance Agent · Buffalo, NY
(716) 636-1355
grimaldiinsurance.net
NI
1926 Clinton St
Nationwide Insurance: Cynthia Woltz Insurance Agency Inc.
Business Insurance Agent · Buffalo, NY
(716) 822-6874
woltzinsurance.com
HH
500 Seneca St Suite 303
Hoffman Hanafin & Associates
Business Insurance Agent · Buffalo, NY
(716) 842-0700
hoffmanhanafin.com
TD
1439 Main St
Toni DuBois Agency, LLC
Business Insurance Agent · Buffalo, NY
(716) 931-5200
toniduboisagency.com
HI
2333 Elmwood Ave
Hoch Insurance Agency
Business Insurance Agent · Buffalo, NY
(716) 881-1975
hochinsuranceagency.com
VI
1459 Kensington Ave
VitalGuard Insurance, New York
Business Insurance Agent · Buffalo, NY
(716) 577-9159
CI
1274 Bailey Ave
Centinello Insurance Agency LLC
Business Insurance Agent · Buffalo, NY
(716) 893-4332
centinelloinsurance.com
LA
2476 William St
Lelonek Agency Inc
Business Insurance Agent · Buffalo, NY
(716) 893-8188
lelonekagency.com
ON
500 Corporate Pkwy Suite 216
OneGroup
Business Insurance Agent · Buffalo, NY
(716) 631-2404
onegroup.com
QI
454 Franklin St
QuickWard Insurance NY
Business Insurance Agent · Buffalo, NY
(716) 666-4006
AI
1798 Main Rd
Able Insurance Agency
Business Insurance Agent · Buffalo, NY
(716) 883-5212
HS
1940 Eggert Rd
Houck Seward Agency
Business Insurance Agent · Buffalo, NY
(716) 835-2525
fhsgroup.net/contactus.php
UI
90 Bryant Woods S
United Insurance Agency, Inc.
Business Insurance Agent · Buffalo, NY
(716) 632-6118
WC
3625 Seneca St
William Coppola Agency Inc
Business Insurance Agent · Buffalo, NY
(716) 675-9403
WI
2477 Union Rd
Wny Insurance Agency Llc
Business Insurance Agent · Buffalo, NY
(716) 771-0012

What Does a a Business Insurance Agent in Buffalo Cost?

Typical costs for a small business insurance package in Buffalo New York range from 500 to 1500 dollars per year for general liability. Workers compensation premiums vary by payroll and industry class code often starting at 1 to 3 dollars per 100 dollars of payroll. Professional liability insurance for a small firm may cost 600 to 2000 dollars annually. These estimates depend on your business type location and claims history. This is general information and not insurance advice.

About business insurance agents in Buffalo

Business insurance agents in Buffalo New York help local companies find coverage that meets state requirements. New York law mandates workers compensation insurance for most employers and disability benefits coverage. A local agent can guide you through these mandates and help protect your business from common risks in the Buffalo area.

Frequently Asked Questions

What types of business insurance do Buffalo agents offer?

Agents in Buffalo offer general liability commercial property workers compensation and professional liability insurance. They also provide commercial auto and cyber liability policies to meet New York state requirements and protect local businesses.

Is workers compensation insurance required for a Buffalo business?

Yes New York law requires almost all employers to carry workers compensation insurance. Failure to provide it can result in fines and stop-work orders. A Buffalo agent can help you secure the correct policy for your business size and industry.

How do New York state laws affect business insurance costs in Buffalo?

New York has specific minimum coverage requirements for workers comp and disability benefits. These mandates can increase base premiums compared to states with fewer requirements. A local agent can explain how these laws apply to your specific business in Buffalo.

Business Insurance Agents in Other New York Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each business insurance agent's credentials and current standing with your state Department of Insurance.