BOP, GL, property and commercial auto for the small businesses keeping the Bronx running. We quote with your certificate-holder requirements in hand — not generic limits.
We compare these line by line across the panel — not just the bottom-line premium.
Bundles GL + property + business income. The default for most retail, restaurants and offices.
Slip-and-fall, products, completed-operations. Required by most landlords and certificate-holders.
Building, contents, signage, inventory. Replacement cost on contents is the only setting we recommend.
Lost income while you're shut down from a covered loss. Most owners under-buy this — we don't.
Owned-auto, hired and non-owned. If anyone drives for the business, you need this — personal auto won't pay.
Increasingly required. We add when sensible, skip when overkill — depends on staff count and data flow.
A short list of the situations we write most. If you're not on the list, ask anyway — we shop the panel either way.
Specific to this line. Personal & commercial panels overlap but aren't identical.
If yours isn't here, call. Estefani picks up.
A Certificate of Insurance proves your coverage to landlords, GCs, clients. We file COIs free of charge, same-day, and add additional-insured endorsements where needed. Just forward the request.
BOP if you fit the eligibility (small to mid-size, low-hazard). Separate GL + property if you have unusual exposures or higher limits. We'll quote both and show the math.
None. We write startups, side-hustles, single-employee LLCs. Premium scales with revenue and headcount, not the other way around.
Almost never. Standard homeowners excludes business activity past a tiny limit. If you ship product, see clients, or store inventory at home, you need a BOP or in-home business endorsement.
Independent. Bilingual. Bronx-based. We shop ten carriers so you don't have to. Hablamos español.
10 Carriers · 7 Lines · Bilingual
