Your building, your equipment, your inventory: commercial property insurance covers the physical assets your business runs on against fire, theft, vandalism and storm damage. We'll shop your property across 30+ carriers, and most commercial quotes come back within one business day.
The policy protects the physical assets your business depends on every day. Here's what each piece does.
The physical structure of business property you own, protected against fire, windstorm, vandalism and other covered perils. Fixtures, permanently installed equipment and improvements count as part of the building.
Furniture, equipment, inventory, tools and the rest of the contents at your business location. Applies to property you own, lease, or hold in your care.
Replaces lost revenue if a covered loss forces you to close or cut back operations for a while. It also picks up continuing expenses like rent and payroll.
Sudden mechanical or electrical breakdown of boilers, HVAC, electrical systems and other equipment. Distinct from normal wear and tear, which isn't covered.
Business property while it's in transit or stored off premises. Contractors and any business that moves equipment between jobs usually need this one.
An optional add-on that pays hardware and data restoration costs when a covered event, like a fire or power surge, damages your computer systems.
Answered the way we'd answer them on the phone.
Yes — your landlord's policy only covers the building shell. You need your own policy to cover your business's contents, equipment, and improvements you've made to the space.
A Business Owner's Policy (BOP) bundles commercial property and general liability into one discounted package. It's usually more cost-effective for small to mid-size businesses. We'll compare both options for you.
We help you calculate the full replacement cost of your building and contents — not just market value. Underinsurance is one of the biggest mistakes NY business owners make.
No — commercial flood requires a separate NFIP or private flood policy. Given Long Island's flood exposure, this is strongly recommended for ground-floor businesses.
Send the basics through the quote form and a licensed NY agent will shop your property across 30+ carriers. Most commercial property quotes are ready within one business day.