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Find Commercial Insurance Agents Near You in Smithtown, NY

Browse commercial insurance agents serving Smithtown, New York. Updated 2026-07-14.

The top-rated commercial insurance agent in Smithtown, New York is Jennifer O'Brien - State Farm Insurance Agent, rated 4.9 stars across 780 reviews. Other highly rated options include Joe Aguirre - State Farm Insurance Agent, Lynne Barnhardt - State Farm Insurance Agent, Philip Forte: Allstate Insurance. This directory lists 16 commercial insurance agents serving Smithtown.

Showing 16 commercial insurance agents in Smithtown, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Jennifer O'Brien - State Farm Insurance Agent550 Smithtown Bypass 2nd Fl Suite 114(631) 724-0002
2Joe Aguirre - State Farm Insurance Agent61 W Main St(631) 265-3880
3Lynne Barnhardt - State Farm Insurance Agent58 N Country Rd(631) 265-5030
4Philip Forte: Allstate Insurance310 Maple Ave(631) 346-6400
5Platinum Insurance Group111 E Main St(516) 621-2436
6Jeff Troiano: Allstate Insurance25 Manor Rd(631) 724-2100
7Zachary Millian: Allstate Insurance360 E Jericho Tpke(631) 656-7856
8Takach & Associates, Inc112 Terry Rd(631) 366-2774
9Antos Agency Inc158 Terry Rd(631) 360-3737
10Central Insurance Agency93 E Main St(877) 242-9600
JO
550 Smithtown Bypass 2nd Fl Suite 114
Jennifer O'Brien - State Farm Insurance Agent
Commercial Insurance Agent · Smithtown, NY

Jennifer O'Brien - State Farm Insurance Agent serves the Smithtown, New York area and surrounding Suffolk County as a commercial insurance agent. The agency helps local business owners protect their operations with customized commercial policies tailored to various industry needs. Common coverages include property insurance for storefronts and equipment, along with general liability protection against workplace incidents. Specific services handled include commercial auto insurance for company vehicles and workers compensation coverage for employees.

JA
61 W Main St
Joe Aguirre - State Farm Insurance Agent
Commercial Insurance Agent · Smithtown, NY

Joe Aguirre - State Farm Insurance Agent in Smithtown, NY provides a comprehensive range of commercial insurance services, including general liability, property, and workers' compensation coverage. The agency offers ongoing policy reviews and tailored risk management guidance to help local business clients adjust their coverage as their operations evolve. It serves a variety of properties in the area, including single-family homes, apartment buildings, retail spaces, and restaurants.

LB
58 N Country Rd
Lynne Barnhardt - State Farm Insurance Agent
Commercial Insurance Agent · Smithtown, NY

Lynne Barnhardt - State Farm Insurance Agent in Smithtown, NY serves local homeowners, businesses, and property managers with commercial insurance policies tailored to their specific operational needs. The agency handles liability coverage, property protection, and business interruption insurance for small and medium-sized enterprises throughout the area. Their office provides professional guidance on risk management and policy selection for a range of industries. This agency also extends its commercial insurance services to clients in nearby Hauppauge and the greater Suffolk County metro region.

PF
310 Maple Ave
Philip Forte: Allstate Insurance
Commercial Insurance Agent · Smithtown, NY

Philip Forte: Allstate Insurance serves Smithtown, New York, and the surrounding communities of Suffolk County. It handles commercial insurance policies for local businesses, including general liability and property coverage. The company addresses risks common to area enterprises, such as storm damage and liability claims. For a typical job, it reviews the business’s specific operations, estimates coverage needs, and then matches those needs with available policy options from its carrier offerings.

PI
111 E Main St
Platinum Insurance Group
Commercial Insurance Agent · Smithtown, NY

Platinum Insurance Group in Smithtown, NY works with businesses on both one-time commercial policies and ongoing coverage packages. Their one-time options can address single-event liability or specific project needs, while recurring service plans provide year-round protection for general business operations, property, and liability concerns. Coverage is built around the unique risk profiles common to local commercial enterprises in the area. Service runs entirely on an as-needed basis in addition to scheduled policy reviews and annual renewals.

JT
25 Manor Rd
Jeff Troiano: Allstate Insurance
Commercial Insurance Agent · Smithtown, NY

Jeff Troiano: Allstate Insurance offers commercial insurance policies tailored to local business operations in Smithtown, NY. It provides general liability and property coverage for small to mid-sized enterprises in the area. The agency also works with local contractors and retail stores to address standard commercial risks through Allstate’s usual underwriting guidelines. For businesses facing seasonal weather patterns on Long Island, it helps adjust coverage ahead of the winter storm and coastal storm seasons.

ZM
360 E Jericho Tpke
Zachary Millian: Allstate Insurance
Commercial Insurance Agent · Smithtown, NY

As Smithtown businesses prepare for seasonal shifts and changing liability exposures, Zachary Millian: Allstate Insurance assists commercial clients with tailored coverage options. Their agency focuses on protecting local enterprises from common risks like property damage, general liability, and business interruption. Every commercial insurance agent in the area helps business owners understand policy specifics and regulatory requirements. Zachary Millian’s team begins by reviewing current operations and listing unique exposures during a thorough on-site inspection.

TA
112 Terry Rd
Takach & Associates, Inc
Commercial Insurance Agent · Smithtown, NY

Takach & Associates, Inc works with businesses in Smithtown, NY to secure commercial insurance coverage tailored to their specific operational risks. As an independent agency, it can compare policies from multiple carriers to find appropriate protection for property, liability, and workers compensation needs. The agency serves a variety of commercial sectors, including professional offices, warehouses, and food service establishments, ensuring each client receives focused attention on their unique exposures.

AA
158 Terry Rd
Antos Agency Inc
Commercial Insurance Agent · Smithtown, NY

Antos Agency Inc in Smithtown, NY supports residential clients with their home insurance needs while also offering commercial coverage for local businesses. As a commercial insurance agent, the company helps enterprises manage property, liability, and other operational exposures common to the area. Coverage and service extend to surrounding communities within Suffolk County. After each policy review or claim assistance, the agency follows up to ensure continued suitability and will provide repeat service between regularly scheduled visits as circumstances change.

CI
93 E Main St
Central Insurance Agency
Commercial Insurance Agent · Smithtown, NY

Central Insurance Agency, based in Smithtown, NY, is known for providing comprehensive commercial coverage solutions to local businesses. Its service range includes general liability, property, and workers' compensation policies tailored to protect against everyday operational risks. The agency works with companies across various industries, helping them navigate complex insurance requirements. By analyzing each client’s specific exposures, it recommends appropriate limits and deductibles. This agency can further support clients with specialized commercial auto coverage for fleets or individual vehicles.

NI
550 Smithtown Bypass STE 202
Navigators Insurance
Commercial Insurance Agent · Smithtown, NY
(631) 724-4989
insnavigator.com/home
SA
201 E Main St
Schaefer Agency Inc. (The)
Commercial Insurance Agent · Smithtown, NY
(631) 979-7474
BI
22 Lawrence Ave Suite 308
BGR Insurance Services
Commercial Insurance Agent · Smithtown, NY
(631) 647-8488
NI
823 W Jericho Turnpike Suite 1A
Nationwide Insurance: Bagatta Associates Inc.
Commercial Insurance Agent · Smithtown, NY
(631) 864-1111
bagatta.com
IA
2 Redan Dr
Island Agency Inc.
Commercial Insurance Agent · Smithtown, NY
(516) 256-2300
islandagencyinc.com
GI
1 E Main St
Gallagher Insurance, Risk Management & Consulting
Commercial Insurance Agent · Smithtown, NY
(860) 426-6200
assuredpartners.com/Smithtown

What Does a a Commercial Insurance Agent in Smithtown Cost?

Typical costs for commercial insurance in New York vary widely by industry and business size. A small retail shop might pay 500 to 1 500 per year for general liability while a construction contractor could pay 5 000 to 15 000 annually for combined coverage. Workers compensation premiums are calculated per 100 dollars of payroll and rates are set by the New York State Insurance Fund. This is general information not insurance advice.

About commercial insurance agents in Smithtown

Commercial insurance agents in Smithtown New York help business owners secure coverage for liability property and workers compensation. New York requires all employers to carry workers compensation insurance under the New York Workers Compensation Law. An agent can guide you through state-specific requirements and find policies that fit your business size and risk profile.

Frequently Asked Questions

What types of commercial insurance do businesses in Smithtown need?

Common coverages include general liability commercial property workers compensation and commercial auto. New York law mandates workers compensation for most employers and disability benefits coverage. Your agent can also recommend professional liability or cyber insurance based on your industry.

How does New York law affect commercial insurance requirements?

New York requires businesses with employees to carry workers compensation insurance under Section 50 of the Workers Compensation Law. The state also mandates disability benefits coverage under the Disability Benefits Law. Commercial auto policies must meet New York minimum liability limits of 25 000 per person and 50 000 per accident.

Can a commercial insurance agent help me lower my premiums in Smithtown?

Yes an agent can review your operations to identify eligible discounts such as bundling policies or implementing safety programs. They can also adjust deductibles and coverage limits to balance cost and protection. Premiums vary by industry revenue and claims history so a tailored approach is important.

Commercial Insurance Agents in Other New York Cities

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