About the agency
A small agency that knows commercial risk.
Kim's Insurance Agency works from an office on West 32nd Street, a block from Herald Square, with the wholesalers, contractors, restaurants, and professional practices that operate around it.
Our work is narrow on purpose. Commercial coverage is decided by details — how payroll is classified, whether a landlord is named correctly, how long a business income period should run. Those details are the whole job here, which is why a business owner gets a straight answer rather than a quote generated by a form they filled in alone.

How we work
Four commitments we hold to on every account.
- Independent by design
- We hold appointments with multiple carriers rather than representing one. That means a renewal can be re-marketed when a carrier’s appetite shifts, instead of simply being accepted.
- Commercial only
- We do not write auto or homeowners policies. Staying inside commercial lines is what lets us move quickly on class codes, additional insureds, and contract requirements.
- Plain language, in writing
- Every quote comes with a summary of what changed from the last policy and what the exclusions mean for your operation. If a policy is thinner than the one it replaces, we say so.
- Available when it matters
- Certificates, endorsements, and claim reporting are handled by the same people who wrote the policy. You are not routed to a service centre that has never seen your file.
- Focus
- Commercial lines exclusively
- Core products
- General liability · Workers' comp · Commercial property
- Structure
- Independent agency, multiple carrier appointments
- Licensed
- Insurance producer, State of New York
- Clients
- Owner-operated businesses in New York City and the metro area
- Office
- 16 W 32nd St. Suite 802, New York, NY 10001
- Office hours
- Monday – Friday, 9:00 AM – 5:00 PM · Eastern Time
Bring us your renewal before you sign it.
A second set of eyes on a commercial renewal costs nothing and often finds a limit set too low or a class code set too high.