Commercial coverage that’s built for business—and backed by real people.
From startups to legacy operations, we help businesses across Western New York protect what they’ve built, plan for the unexpected, and keep moving forward.
Protect your people, property, and reputation.
General Liability Insurance
Covers injuries, damages, or legal claims tied to your business operations.
Commercial Property Insurance
Protects your buildings, equipment, and inventory from damage or loss.
Workers’ Compensation Insurance
Required coverage for employee injuries and workplace accidents.
Professional Liability (E&O)
Covers service-based businesses against errors, omissions, and negligence claims.
Directors & Officers (D&O) Insurance
Shields your leadership team from personal liability tied to business decisions.
Employment Practices Liability (EPLI)
Covers legal claims related to hiring, firing, harassment, and discrimination.
Shop 70+ top-rated carriers to find the right coverage for you.
No guesswork.
No sales pitch.
We’ll review your current policy and explain what’s missing—or what’s too much.
FAQs
Can you help me figure out what coverage I actually need?
Yes. We’ll assess your operations, industry, and risks—then walk you through options that make sense for your business.
What if my business grows or changes?
We schedule regular reviews and stay available year-round to make sure your policy evolves with your needs
Do you offer bundled policies?
Yes. We can combine coverage to simplify your program and potentially lower your costs.
Can I get coverage for cyber risks or lawsuits?
Absolutely. We offer policies that address data breaches, professional errors, employee claims, and more.
Fetter Agency 