New York businesses face unique risks — from crowded Manhattan storefronts to busy Brooklyn job sites. Soma delivers fast, affordable general liability insurance tailored to your operations, protecting you from third-party bodily injury, property damage, and advertising claims. With access to hundreds of top-rated carriers, we place coverage others won't, including hard-to-insure businesses, with one simple application.
Comprehensive liability coverage solutions for New York businesses of every size, industry, and risk profile.
Core general liability coverage protecting your business from third-party bodily injury, property damage, and personal and advertising injury claims. Soma places coverage across all industries, including hard-to-insure businesses throughout New York.
Errors and omissions coverage for service-based businesses and professionals. Protects against claims of negligence, missed deliverables, or professional mistakes that cause financial harm to clients.
Tailored liability programs for retail, construction, hospitality, healthcare, tech, and more. One application delivers competitive quotes customized to your specific operations and New York regulatory requirements.
Soma's expert Risk Management Team analyzes your business exposures, identifies the right liability coverage, and gets you insured at the right price — replacing the slow, traditional broker model with a smarter approach.
Bundled or standalone commercial property coverage protecting your New York business premises, equipment, inventory, and fixtures against damage, theft, and unexpected losses.
Cyber liability protection for businesses handling sensitive customer data. Covers breaches, ransomware, regulatory defense, and notification costs — essential for New York businesses operating under state data privacy laws.
Operating a business in New York means navigating one of the most litigious environments in the country — a single slip-and-fall or property damage claim can threaten everything you've built. Soma connects you with hundreds of top-rated carriers including Chubb, Liberty Mutual, and Nationwide to secure general liability coverage that matches your exact operations. From startups in the Flatiron District to contractors working across the five boroughs, we bind coverage fast with one straightforward application.
See how New York businesses across every industry secured the right coverage fast with Soma.
Soma redefines what a commercial insurance brokerage can do for New York businesses — faster, smarter, and more thorough than traditional brokers.
Access to hundreds of top-rated carrier partners means we find competitive general liability rates for any New York business, regardless of industry or risk complexity.
Skip the paperwork marathon. Our single streamlined application delivers multiple quotes across carriers, getting New York businesses insured faster than any traditional broker.
Our dedicated Risk Management Team analyzes your specific business exposures and structures coverage that truly protects you — not just the cheapest policy that checks a box.
Declined by other brokers? Soma specializes in placing liability coverage for complex, high-risk, and hard-to-insure New York businesses that standard markets routinely turn away.
Experienced insurance professionals dedicated to protecting your business.
Soma was built to solve a real problem: businesses — especially complex, hard-to-insure ones — were being underserved by slow, generalist brokers who lacked the carrier relationships and industry expertise to place the right coverage. We set out to change that by creating the fastest, most reliable commercial insurance brokerage in the market. Today, Soma serves businesses across New York and beyond, from Manhattan retailers and Brooklyn contractors to multi-state manufacturers and tech startups, processing thousands of accounts with a single-application model that delivers speed, accuracy, and competitive pricing. Backed by carrier partners including Chubb, Liberty Mutual, Markel, Kinsale, and Nationwide, our team brings deep vertical expertise and a relentless commitment to getting every business insured at the right price.
General liability insurance in New York State protects businesses from financial losses arising from third-party claims of bodily injury, property damage, and personal or advertising injury. For example, if a customer slips and falls at your business premises or you accidentally damage a client's property while performing work, your general liability policy covers legal defense costs, settlements, and judgments up to your policy limits.
Talk to a Soma insurance specialist for a fast, no-obligation consultation tailored to your New York business.
Recognized for trustworthy business practices and customer commitment.
Authorized to place coverage through one of the world's top-rated carriers.
A verified network of industry professionals serving businesses nationwide.
Fill out our quick form and a Soma specialist will reach out with competitive general liability options tailored to your business — no waiting weeks, no chasing brokers.