Coverage architecture

Every line we place. Every gap we close.

A standard NYC operator carries three to five of these. A well-architected program uses them as instruments, not products.

Commercial General Liability

Third-party bodily injury, property damage, and personal injury claims. The foundation of every commercial program.

Statutory NY coverage for employee injury, wage replacement, medical care, and NY DBL/PFL obligations.

Buildings, fit-outs, business personal property, inventory, equipment, and business income — bundled or standalone.

Errors, omissions, and breach of professional duty for service providers, consultants, and licensed professionals.

Brands manufacturing, distributing, or reselling physical goods — including private label and DTC.

Breach response, ransomware, regulatory fines, third-party liability, and customer notification obligations.

Take the Risk Score — we'll tell you what's missing and what's over-bought.

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Take the 4-minute assessment. An advisor reviews every result personally — no quote engine, no sales call queue.