About
A boutique NYC risk firm.
ClearCover Advisory was built on a simple frustration: most NYC operators are sold insurance, not advised on risk. We do the second.
Why we exist.
Commercial insurance is one of the largest fixed expenses on most operators' P&L — and one of the least understood. The industry incentivizes brokers to place coverage quickly and renew it quietly. We were built to do the opposite: investigate exposure, design programs around it, and stay accountable to outcomes — not just to bind dates.
What "advisory" actually means.
Every client engagement begins with a written risk assessment — exposures, gaps, contractual obligations, and loss history. Coverage placement only happens after we agree on what the program is meant to do. Renewals begin 90 days out, with a full re-grade. Mid-year reviews are standard, not extra.
Who we serve.
Operators based in or doing business in the New York metro area: contractors, restaurants, fleet-based businesses, professional service firms, and property owners. Privately held. Usually $1M–$100M revenue. Almost always referred.
Start here
Find out where you're exposed.
Take the 4-minute assessment. An advisor reviews every result personally — no quote engine, no sales call queue.
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