Commercial Insurance

Below you will find our products for your commercial insurance needs. For more information, please fill out our form  visit  our glossary page or call our office at 718-646-7300 to speak to one of our p

Action Over

According to the International Risk Management Institute (IRMI), Action Over is defined as a type of action in which an injured employee, after collecting workers compensation benefits from the employer, sues a third party for contributing to the employee’s injury.

Bar & Restaurants Insurance General Liability:
Insures against trip/slip and fall, food poisoning, injury on premises, property damage,

Business Auto
An insurance policy that covers a company’s use of cars, trucks, vans and other vehicles in the course of carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes

Builders Risk
This is a property policy designed to provide coverage for buildings while under construction. It covers the contractor’s interest in materials at the job site before they are installed, materials in transit intended for the job and the value of the property being constructed until it is completed and accepted by the owner

Bond Insurance
A type of insurance policy that a bond issuer purchases that guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default. Bond issuers buy insurance to enhance their credit rating to ‘AAA’ in order to reduce the amount of interest that it needs to pay.

Child Daycare complete insurance program
Where young children go, accidents follow, so it’s crucial to choose the right child care insurance program for your daycare center.

Commercial Property Insurance
The commercial property policy provides coverage for direct physical loss to buildings and/or contents as described in the policy. Separate sections with distinct limits of insurance are available for both buildings and contents to account for differing needs of insured’s.

Contractors Insurance
Liability insurance is defined as an insurance policy that offers protection against third-party claims of property damage, injury or bodily harm, loss of life or limb, or negligence.

Disability Insurance
Disability Insurance also called DI or disability income insurance is insurance that insures an earned income against the risk that disability will make working impossible

Fidelity Bond Insurance
Why do I need fidelity bond insurance? That’s a common question we get from business owners. They do not believe that their business will have an incident related to employee dishonesty. However, employee fraud is more common than you might think. According to the Association of Certified Fraud Examiners (ACFE), fraud and embezzlement account for losses to the tune of $400 billion per year. This is nearly 6% of total annual revenue. For small companies, theft and fraud can prove to be a major setback, as they can’t afford extensive safeguards and aren’t large enough to absorb losses. <Read More>

General Liability Insurance
General Liability insurance covers claims of bodily injury or other physical injury or property damage.

Liquor Liability
Insures against liquor liability claims from over-serving, alcohol poisoning, etc.

Special Event Liability Insurance (also referred to as CGL, Commercial General Liability or Spectator Liability) is an insurance policy designed to provide broad protection for situations in which an event holder or concessionaire must defend itself against lawsuits or pay damages for bodily injury or property damage to third parties.

Surety Bond
A Surety Bond is an agreement subject to the Bond Form. The Bond is usually required for monetary compensation for failure to perform specified acts referenced in the Bond Form. A Surety Bond is a generic name for all bonds.

Worker Compensation Insurance
Protection which provides benfits to employees for injury or contracted disease arising out of and in the course of employement.