Coverage
What we write, and what each policy actually pays for.
Three lines carry most of the exposure a New York business runs. Below is a plain summary of each, including the gaps owners are most often surprised by.
General Liability
Covers third-party bodily injury, property damage, and the legal defense costs that follow — the policy your landlord and your customers will ask to see.
Read the detail
Workers' Compensation
Required by New York State for essentially every employer. Pays medical care and lost wages for work-related injury, and shields the business from most injury lawsuits.
Read the detail
Commercial Property
Protects the building, tenant improvements, stock, and equipment you depend on — and replaces the income you lose while the space is unusable.
Read the detailAlso placed
The rest of a commercial program.
Liability, comp, and property are the core. These fill the gaps around them, and we place them for clients as the business grows.
- Business Owner's Policy (BOP)
- Property and liability bundled, usually the best fit for a small retail or office operation.
- Commercial Umbrella
- Additional limits layered over liability and comp when a contract demands $5M or more.
- Commercial Auto
- Owned, hired, and non-owned vehicles, including employees running errands in their own cars.
- Professional Liability (E&O)
- For advice, design, and service work where a mistake causes a client financial loss.
- Cyber Liability
- Breach response, notification costs, and extortion for businesses holding customer data.
- Crime & Employee Dishonesty
- Theft of money or property by employees, plus funds-transfer fraud.
Not sure which of these you already have?
Send us your current policies and we will map what you carry against what your leases and contracts require. Reach us Mon–Fri 9–5.