General Liability Insurance
Protects businesses from third-party bodily injury, property damage, and personal/advertising injury claims.
Business Owners Policy (BOP)
Bundled commercial property and general liability for small to mid-size businesses.
Commercial Property Insurance
Covers business buildings, equipment, inventory, and contents against fire, theft, and other perils.
Workers' Compensation Insurance
Mandatory NY coverage for employee work-related injuries, illness, and lost wages.
Commercial Auto Insurance
Liability, physical damage, and no-fault coverage for business-owned and fleet vehicles.
Commercial Umbrella / Excess Liability
Additional liability limits above underlying commercial policies for catastrophic loss events.
Professional Liability (E&O;)
Errors & Omissions coverage for professionals against claims of negligence or inadequate service.
Medical Malpractice Insurance
Liability protection for healthcare providers against patient claims of negligent treatment.
Directors & Officers Liability (D&O;)
Protects corporate directors and officers from personal liability for management decisions.
Employment Practices Liability (EPLI)
Coverage for wrongful termination, discrimination, harassment, and related employment claims.
Cyber Liability Insurance
Data breach response, network security liability, and business interruption from cyber events.
Inland Marine — Commercial
Equipment floaters, contractor's tools, installation floaters, and goods in transit coverage.
Builders Risk / Course of Construction
Coverage for buildings and materials during new construction or renovation projects.
Boiler & Machinery / Equipment Breakdown
Covers sudden mechanical or electrical breakdown of boilers, HVAC, and production equipment.
Crime / Fidelity / Employee Dishonesty
Protection against employee theft, forgery, computer fraud, and money & securities loss.
Surety Bonds
Contract bonds, license & permit bonds, court bonds, and performance bonds for NY businesses.
Product Liability Insurance
Covers businesses against claims arising from bodily injury or damage caused by their products.
Commercial Flood Insurance
NFIP commercial policies and private flood options for business properties in flood zones.
Environmental / Pollution Liability
Coverage for cleanup costs and third-party claims from pollution or environmental contamination.
Ocean Marine Insurance
Hull, cargo, freight, and protection & indemnity coverage for ocean-going vessels and cargo.
Farm & Agribusiness Insurance
Property, liability, equipment, and crop coverage tailored for farms and agricultural operations.
Aircraft / Aviation Insurance
Hull and liability coverage for privately owned aircraft, charters, and aviation businesses.
Liquor Liability (Dram Shop)
Liability coverage for bars, restaurants, and events serving alcohol — required by NY law for licensees.
Garage / Auto Dealer Insurance
Dealers open lot, garagekeepers liability, and service operations coverage for auto businesses.
Management Liability Package
Combined D&O;, EPLI, and Fiduciary Liability for comprehensive management risk protection.
Fiduciary Liability Insurance
Covers employee benefit plan trustees against breaches of fiduciary duty under ERISA.
