Commercial Insurance
Your business is the biggest thing you'll insure.
Commercial insurance solutions built around how you actually work: the jobs you take on, the vehicles you run, the people you hire. We shop multiple carriers so the price matches the risk.
Same-day certificates of insurance
Who we serve
We know the exposures your industry brings with it
Contractors & Trades
Carpenters, electricians, plumbers, roofers, landscapers
Restaurants & Bars
Full service, food trucks, caterers, liquor liability
Retail & Shops
Storefronts, boutiques, e-commerce and inventory
Trucking & Logistics
Local haulers, fleet, cargo and hired autos
Auto & Equipment Repair
Garages, detailers, shops with customer vehicles
Real Estate & Property
Agents, landlords, HOAs and property managers
Professional Offices
Consultants, agencies, accountants, tech
Salons, Spas & Fitness
Studios, gyms, personal trainers, barbers
Don't see your line of work? We write for far more than this list — ask us.
Commercial coverage
The policies that keep a business open
General Liability
Third-party injury, property damage and the lawsuits that follow — the coverage most landlords, clients and municipalities ask for first.
- Certificate of insurance same day
- Per-project and annual limits
Business Owners Policy
General liability and property bundled into one affordable package for small and growing businesses.
- Bundle with commercial auto
- Customize with add-ons
Commercial Property
Your building, inventory, equipment and tools against fire, storm, vandalism and theft.
- Replacement-cost options
- Business income if you shut down
Commercial Auto & Fleet
Cars, vans, box trucks and trailers — owned, hired and non-owned drivers all covered.
- 1 vehicle to 100+
- Motor truck cargo available
Workers' Compensation
Required in most states the moment you hire. Covers medical costs and lost wages after a job injury.
- Class-code review
- payroll audits handled
Professional Liability (E&O)
Claims of negligence, errors, missed deadlines or bad advice in the services you sell.
- Contracts reviewed before signing
- Defense costs outside limits
Commercial Umbrella & Excess
A wide layer of extra limits above your underlying policies when a claim runs bigger than expected.
- $1M–$25M layers
- Sits over GL, auto and workers' comp
Bonds & Contractor Programs
License, permit, bid and performance bonds plus builder's risk and wrap-up programs for job sites.
- Surety credit guidance
- Builder's risk by project
Cyber & Inland Marine
Data breaches, ransomware, and covered tools and equipment wherever the job takes them.
- Breach response hotline
- Scheduled equipment lists
Personal service
What working with us actually looks like
No third-party administrator, no outsourced service desk, no rotating team of reps. The agent who quotes your program is the one who services it.
A closer look at your coverage
We review your operations, contracts and insurance needs with you to help identify gaps and find coverage that fits your business.
Certificates when you need them
General liability certificates issued same day, so a GC or landlord never holds up your job.
Renewal work, not a renewal notice
Sixty days out we re-market the program and fix classification and payroll issues before they cost you.
A direct line, not a queue
Call us and one of us answers. No press-1 menus, no transfers, no servicing company in the middle.
Personal lines
Bundle your home, auto and umbrella with your business policies
We help with everything, the business and the house, the fleet and the family car. One agency, one renewal calendar, one person to call.
Let's price your program.
Send your current dec pages or just tell us what you do — we'll shop it.
(516) 284-6331