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Specialty Insurance

Restaurant | Nonprofit | Contractors | More

Higgins Insurance Agency offers specialized insurance advice to a wide range of industries. We excel in providing complete restaurant, nonprofit, contractors, technology, brewery & distillery, campground and marina, tow truck operators, tree service contractors, welders, and winery insurance solutions.

The agents at Higgins Insurance Agency understand the complexities of Baldwinsville business insurance. Contact us today to schedule a comprehensive insurance review and find out what we can do for you.

No two restaurants are exactly alike. A trendy downtown bar has very different insurance needs from a fast-food franchise, and a coffee shop has different liability concerns than a bar and grill. Higgins Insurance Agency has insurance solutions for all types of Baldwinsville restaurants, bars, cafes, food trucks and more.

Our professional insurance agents will take the time to learn about your business and recommend a tailored insurance policy to address the needs of your unique operations. Contact us today to find out more.


If you operate a nonprofit, you need the assistance of qualified insurance agent that understands the needs of 501(c)3 organizations.

Higgins Insurance Agency works with insurance companies who offer specialized coverage to insure you, your board of directors, your volunteers and the people you serve.

The good work perpetuated by your nonprofit can be endangered by a number of risks. With the right insurance coverage, you can keep up the good fight without losing sleep over a disaster or potential lawsuit.

Whether you focus on a single trade, such as plumbing or electrical maintenance, or provide a wide menu of services, our experienced agents will take the time to learn your unique business and recommend contractors insurance solutions that fit your needs.

We focus on building long-term relationships, and as your company grows and changes, we’ll provide rate and coverage reviews to help you protect your bottom line. Contact us to find out how we can help your business succeed.


Your IT company faces different risks than companies in other industries. Higgins Insurance Agency offers policies to address the specific concerns of technology companies — whether you operate a sole proprietorship out of your basement or an IT firm in a downtown office.

As your Baldwinsville IT business expands and the landscape of corporate technology evolves, our experienced insurance agents will review your policy with you and provide recommendations for new or updated coverage. Contact us to find out more about how we can help.

Need insurance for your brewery or distillery? The insurance professionals at Higgins Insurance Agency can help you create a customized insurance program with comprehensive coverage for your brewery or distillery. With access to unique and competitive insurance programs for breweries and distilleries, Higgins Insurance Agency can assemble a cost competitive insurance program to fit the exact needs of your brewery or distillery.

Campground and Marina

Higgins Insurance Agency located in Baldwinsville New York has competitive insurance programs for campgrounds and marinas. We insure a variety of campgrounds, RV parks, and marinas in New York State with comprehensive coverage at competitive premiums. Our campground operator and marina insurance programs can be customized to accommodate of variety of activities including insurance coverage for boat rentals, boat sales, boat repair & winterization, boat storage, boat mooring, and boat slip rentals.

Looking for comprehensive and competitive insurance protection for your tow truck company or auto repair garage? Higgins Insurance Agency in Baldwinsville, New York has relationships with multiple “A” rated companies that can insure independent tow truck operators, auto repossession companies, roadside assistance companies and auto repair and collision repair shops of all types and sizes.

Tree Service Contractors

Higgins Insurance Agency offers comprehensive insurance solutions for arborists and tree service contractors who want confidence that their insurance program will respond properly in the unfortunate event of a claim. Higgins Insurance Agency insures many arborists and tree service contractors in New York State through our relationships with multiple “A” rated insurance companies. Call the insurance professionals at Higgins Insurance Agency in Baldwinsville, New York for a professional insurance proposal for your tree service business.

Insurance for welders can be costly and difficult to obtain at a reasonable cost. Higgins Insurance Agency has relationships with multiple “A” rated insurance companies who specialize in comprehensive general liability insurance for both on-site welding and mobile welding contractors. Contact the insurance professionals at Higgins Insurance Agency in Baldwinsville, New York to obtain a professional insurance proposal for your welding business.


Our program includes unique coverages not offered in many other winery and vineyard programs:

  • Selling price valuation for bottled and bulk wine.
  • Product recall expense.
  • Outdoor Property (vines, poles, wires, sheds, etc.)
  • Equipment Breakdown