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Business Insurance

NBT-Mang partners with highly-respected insurance carriers in order to meet the wide range of coverage needed to protect our business and public entity clients.  These entities have very unique insurance needs and no two are alike.    For that reason, our sales process encompasses a detailed review of the risks each client or potential client faces so we can best design an insurance program for them.  We draw on the products offered by over 100 insurance carriers to ensure we can provide the most complete coverage at the best price.  Our licensed sales and service representatives are located in over 19 offices throughout central New York State. 

Our commercial insurance teams provide the products you need to ensure every aspect of your business is covered.  Protect what you have built.  Protect your livelihood.  Let us review your coverage and make sure your program is as comprehensive as possible.  Don’t be fooled by low price alone; we will assess your risks and find the right coverage at the right price.

Supporting Specialized Businesses

We recognize not all businesses are structured the same nor have the same daily challenges.  Businesses have unique coverage requirements.  Therefore, we have established the following specialty teams in order to provide you with devoted sales and service support to find solutions to your ever-changing needs.

Contractor Services: This team of sales and service professionals are devoted to clients in the construction industry.  They work with insurance carriers to find creative solutions to meet the particular needs of contractors.  Our contractor team has worked with insurance carriers to design unique coverage forms not available to any other agency.  On a daily basis they review contracts to ensure certificates of insurance are issued in compliance with contract requirements.  They understand the need to meet last minute deadlines to ensure your business bids are in compliance with contract requirements. 

Our team can build a program to meet all of your coverage needs including:

  • Workers Compensation
  • Liability (General, Environmental, Umbrella)
  • Builders Risk
  • Inland Marine
  • Employment Practices Liability
  • Surety
  • Owners and Contractors Protective (OCP) Liability
  • Commercial Umbrella

Click here to learn more about our team.

Public Entity:   Public entities face unique challenges of having to protect the public entity itself, its wide variety of assets as well as the employees and elected officials.  Our public entity practice includes municipalities, schools, fire departments and other related entities.  Our team of experienced sales and service personnel deal with these entities every day and are experts in the coverage needs and the products offered by our insurance carriers to meet those needs.  In some counties we are the exclusive servicing agent for the leading insurance carrier of public entities in New York State.

Our team can build a program to meet all of your special coverage needs including:

  • Liability
  • Property
  • Equipment & Auto
  • Flood
  • Fiduciary & Crime
  • Underground tanks
  • Airports
  • Dams
  • Elected Officials & Police
  • Commercial Umbrella

Click here to learn more about our team.


We also have programs to fit industry-specific needs such as the following:

National Carwash Program – NBT-Mang Insurance Agency’s National Car Wash Insurance Program® is a Property/Liability and Workers Compensation plan designed to meet the needs of all car wash operators - single locations as well as multiple locations.  Click here to learn more about this program.

Energy Distribution and Transportation Program - NBT-Mang Insurance Agency’s Energy Distribution and Transportation Program has been designed to offer creative and competitive insurance and risk management solutions to wholesale and retail distributors (including retail gasoline stations with convenience stores) and transporters of oil, gasoline, propane, kerosene, diesel, and lubricants. We also provide coverage for businesses that offer sales, service, and installation of HVAC equipment.  Click here to learn more about this program. 

Business Benefits Coverage

In addition to the commercial products, our benefit specialist can craft a comprehensive package of employee benefits including health, dental, life and disability.  Click the Life & Health Insurance link above for a complete description of our benefit solutions. 

Services Available

Your Service Center
At NBT-Mang Insurance Agency, we understand you may need information outside our regular office hours.  Therefore, we’re pleased to offer Your Service Center.  Click on the Your Service Center link on the left tab today to read more about the features available to you.

MyWave Elements, On-Line Technology-Enabled Solutions
With both time and resources a precious premium, it’s become increasingly difficult to do your job—let alone manage insurance costs and stay informed on legislative developments.  NBT-Mang Insurance Agency brings our business customers relevant and important information through our partnership with a leading provider of technology-enabled solutions, Zywave, Inc.  Click on the MyWave link on the left tab or Click here to learn more about this resource available to you.

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