BOP / GL / WC · Commercial Lines
Business.
From the storefront on Lefferts to the fleet, the payroll, and the lease you signed — commercial coverage structured to survive an audit, a claim, and a growth year. Written for the business you built, not a category code.
What the policy carries
General liability
Third-party injury and property damage — the coverage every lease, contract, and client will ask you to prove. Certificates issued same-day.COIs same-day
Commercial property
Building, build-out, inventory, and equipment at replacement cost, with business income coverage so a closed month doesn't become a closed business.
Business owners policy (BOP)
Property and liability packaged for eligible businesses — broader coverage, one policy, one premium, usually less than the pieces bought separately.
Workers' compensation
Mandatory in New York from your first employee. Classified correctly so you're not overpaying on payroll audits — and covered when it counts.
Commercial auto
Vans, trucks, and vehicles titled to the business, with hired and non-owned auto for everything in between.
Professional liability (E&O)
When your advice, design, or service is the product, this is the policy that answers for it.
Cyber liability
Breach response, ransomware, and funds-transfer fraud — sized for small business reality, not enterprise theater.