Insurance Products in New York

Insurance policy providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.

Commercial auto policy for difficult or unique risk types that are usually categorized as hard to place due to lack of experience, poor claim frequency/severity, prior cancellation/nonrenewal or lack of market availability. List of Business Types: * Extra Heavy Trucks * Fleets * Land Recreational Vehicles * Long Haul Tracking * Non Hired/Hired/Drive Other Car * Non-Owned Hired Auto * Rental and Leasing Vehicle Companies * Tow Trucks * Waste Garbage Carrier

An inland marine form covering property in the course of transit, either by common carrier or by the insured’s owned vehicles.  Protects carriers from legal liability as a result of loss, theft or destruction of cargo in transit including loading and unloading.

A BOP policy bundles property, liability and other coverages a business owner may need all under one package policy. It is usually sold at a lower premium than the cost of all the individual coverage is sold separately.

A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.

A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.

A type of policy that provides limits that exceed the underlying liability policy.

Builders risk insurance, also referred to as course of construction insurance, is designed to protect and cover an individual’s or business’ insurable interest from loss and damage to materials, fixtures and equipment used or installed during new construction or remodeling (renovation) of a building or structure should those items sustain loss from a covered peril.

An insurance policy for businesses and other organizations that insures against damage to their buildings and contents due to a covered cause of loss.