Commercial Property
Commercial property coverage can help a business recover when physical assets are damaged by a covered event. Values, causes of loss, deductibles, and recovery time should be evaluated together.
Explore Commercial Property in New York →General Liability
General liability can respond to common allegations involving bodily injury, property damage, products, completed work, and personal or advertising injury, subject to the policy.
Explore General Liability in New York →Business Owner's Policy (BOP)
A Business Owner's Policy commonly combines commercial property, general liability, and certain business income features in one contract. Eligibility, available endorsements, limits, and excluded operations vary by insurer.
Explore Business Owner's Policy (BOP) in New York →Professional Liability (E&O)
Professional liability, often called errors and omissions coverage, is designed around the services a business provides and allegations of financial harm arising from those services.
Explore Professional Liability (E&O) in New York →Cyber Liability
Cyber policies can combine first-party response expenses with third-party liability protection. Coverage varies materially in its treatment of ransomware, social engineering, business interruption, vendors, and security controls.
Explore Cyber Liability in New York →Workers' Compensation
Workers' compensation helps employers address medical costs, lost wages, and statutory obligations following covered workplace injuries. Classification, payroll, states, and actual employee duties drive the review.
Explore Workers' Compensation in New York →Commercial Flood
Commercial property policies commonly exclude or restrict flood. Eligible applicants can use the Cox & Associates online flood platform to evaluate available building, contents, business-interruption, private flood, FEMA, and excess options based on the property and requested terms.
Explore Commercial Flood in New York →Commercial Auto
Commercial auto policies can address liability and physical damage risks when vehicles are owned or used by a business. The vehicle, driver, radius, use, and property transported all matter.
Explore Commercial Auto in New York →Business Income & Extra Expense
Business income coverage can help replace lost operating income and continuing expenses when a covered property loss interrupts operations. The restoration period and operational dependencies are central to selecting a limit.
Explore Business Income & Extra Expense in New York →Liquor Liability
Businesses in the alcohol trade generally need liquor liability rather than relying on host liquor provisions. Sales, hours, service practices, entertainment, security, and applicable law shape the exposure.
Explore Liquor Liability in New York →Garage Liability
Garage liability addresses covered liability arising from garage operations and, depending on the form, covered autos. The review should distinguish premises, products, completed work, drivers, dealer plates, and customer interactions.
Explore Garage Liability in New York →Dealers Open Lot
Dealers open lot coverage is designed for covered loss or damage to dealership inventory. Peak values, locations, weather, theft controls, transit, valuation, and deductibles should be evaluated carefully.
Explore Dealers Open Lot in New York →Garagekeepers
Garagekeepers coverage can address covered damage to customers' autos while they are being serviced, repaired, parked, stored, or test-driven. Legal liability and direct coverage forms respond differently.
Explore Garagekeepers in New York →Commercial Umbrella & Excess Liability Insurance
Commercial umbrella and excess liability coverage can add a layer of protection above scheduled underlying policies, commonly including general liability, commercial auto liability, and employers liability. It is designed for severe covered claims that exhaust applicable underlying limits. An umbrella is not a replacement for complete primary insurance, and it does not automatically extend over every policy or fill every exclusion.
Explore Commercial Umbrella & Excess Liability Insurance in New York →Surety Bonds
A surety bond is a three-party agreement supporting a principal's obligation to an obligee. Underwriting may evaluate credit, experience, financial strength, and the obligation being guaranteed.
Explore Surety Bonds in New York →Directors & Officers (D&O) Liability
Directors and officers liability coverage can address specified claims arising from governance and management decisions, subject to the insured-person, organization, claim, wrongful-act, exclusion, retention, limit, and reporting provisions of the policy. Nonprofits should evaluate entity coverage, individual protection, employment-related allegations, fiduciary exposure, prior acts, and defense arrangements.
Explore Directors & Officers (D&O) Liability in New York →Employment Practices Liability Insurance (EPLI)
Employment practices liability insurance can address specified claims alleging discrimination, harassment, retaliation, wrongful termination, or other covered employment wrongful acts. Claims-made reporting, defense costs, retentions, wage-and-hour treatment, third-party coverage, volunteers, independent contractors, and the definition of insured persons require careful review.
Explore Employment Practices Liability Insurance (EPLI) in New York →