Kim’s Insurance AgencyCommercial Lines · New York

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.

Advisors reviewing policy documents with a business owner in a Manhattan office

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.

At a glance

The agency on one page.

Visit the office
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.