Bohemia, NY
Insurance for Bohemia businesses and the families nearby
Bohemia mixes Connetquot neighborhoods with industrial buildings full of small companies. We insure both, and most of it happens by phone, text and email.
Where a lot of Suffolk’s small companies set up shop
Bohemia is a hamlet in the Town of Islip, right beside Long Island MacArthur Airport. Veterans Memorial Highway cuts across it, and Lakeland Avenue runs north and south through the middle. Along those roads and around the airport you will find rows of flex and industrial space rented by contractors, distributors, fabricators, service companies and small offices.
Renting one of those units usually comes with insurance homework. Most commercial leases ask the tenant to carry liability coverage at set limits, name the landlord as an additional insured and send a certificate before the keys change hands. Once you hire your first employee, New York adds workers compensation and disability benefits coverage to the list. Missing any one of these can hold up a lease or a contract.
We put those pieces together. A business owner’s policy often handles a small tenant’s property and liability in one package, while trades and larger operations may need standalone commercial general liability. Bohemia families in the Connetquot school district can quote their cars and homes with us on the same call.
Who we help in Bohemia
Bohemia clients we hear from most
Tenants signing a commercial lease
Landlords want specific limits, additional insured wording and a certificate on file. We read the insurance section of the lease with you before you sign.
Owners making their first hire
Workers comp and disability benefits coverage are required for most New York employers from the first employee. We set both up and explain how payroll affects the cost.
Connetquot households with two commuters
Many Bohemia families have two working adults on the road every day. We compare carriers for the household and look at how each car is used.
Local knowledge
Airport roads and industrial blocks
Much of Bohemia’s working day happens on Veterans Memorial Highway and the side streets around the airport, where box trucks, vans and employee cars share the road. A business that sends staff out in their own cars to pick up parts or meet customers should know that a personal auto policy may not cover every business use.
The residential side of Bohemia sits mostly away from the industrial blocks, with single-family homes on quiet streets and Connetquot schools close by. Families here often run a small company too, so it helps to have one broker who can see both the household and the business.
- Bohemia is in the Town of Islip, beside Long Island MacArthur Airport
- Veterans Memorial Highway (Route 454) is the main commercial road
- The Connetquot Central School District serves the hamlet
- Most commercial leases require a certificate of insurance naming the landlord
Coverage
Popular coverage in Bohemia
Business Owner’s Policy (BOP)
Property and liability bundled for small businesses
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Commercial General Liability (CGL)
Injury and property damage claims against your business
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Workers Compensation
New York employer coverage for your team
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Auto Insurance
Personal auto coverage for Long Island drivers
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Questions
Bohemia insurance FAQ
My Bohemia landlord wants a certificate of insurance. Can you provide one?
Yes. Once your policy is in force, we issue certificates of insurance and can add the landlord as an additional insured when the policy allows it. Send us the insurance section of your lease first so the limits and wording match what the landlord asked for.
Do I need disability coverage as well as workers comp in New York?
Yes, for most employers. New York generally requires both workers compensation and disability benefits coverage (DBL) once you have employees, and Paid Family Leave is usually provided through the DBL policy. We can quote them together so nothing is left out.
Does a business owner’s policy cover equipment in a rented unit?
Usually, yes. A BOP typically includes coverage for your business personal property, such as tools, inventory and equipment inside the space you rent. The building itself is normally insured by the landlord. Flood is excluded from most BOPs and needs separate coverage if you want it.
Turned down somewhere else? Call us before you give up.
Tell us what happened. We’ll go over your options, including the New York assigned-risk plan, and tell you honestly what it will take to get you insured.