Coverage for Hard-to-Place
Commercial Risks
When standard markets say no, surplus lines markets say yes. We specialize in placing complex, non-standard, and specialty commercial risks across New York and beyond.
What Is Surplus Lines Insurance?
Surplus lines (also called non-admitted or specialty insurance) covers risks that standard, admitted carriers won't insure — or can't insure at adequate limits. These markets are regulated differently, giving them flexibility to cover unique, high-risk, or complex exposures.
As licensed surplus lines brokers in New York, we have direct access to Lloyd's of London, major E&S markets, and specialty program carriers. We do the heavy lifting to find the right fit for your risk.
- Your business has a claims history that standard carriers decline
- You operate in a high-risk industry or location
- You need higher limits than admitted markets offer
- Your property is vacant, under renovation, or non-standard construction
- You're a new business without an established track record
- Your operations involve unique or unusual exposures
Specialty Coverage Lines
We place a wide range of commercial and specialty risks. If you don't see your industry, ask — we likely have a market for it.
Commercial Property
Buildings, equipment, inventory, and business personal property — including hard-to-place risks that standard carriers decline.
General Liability
Bodily injury, property damage, and personal injury coverage for businesses with elevated or non-standard risk profiles.
Contractors & Trades
Specialty liability and tools coverage for contractors, electricians, plumbers, HVAC, and other skilled trades.
Construction & Builders Risk
Coverage for projects under construction, renovation, or demolition — including vacant properties and wrap-up programs.
Commercial Auto & Fleet
Non-standard commercial auto, hired/non-owned, and fleet programs for businesses that standard markets turn away.
Professional & E&O
Errors & omissions and professional liability for consultants, tech firms, and service businesses with unique exposures.
Work with a Licensed Broker
Tell us about your business and we'll shop multiple surplus lines markets to find the best coverage at the best price. No obligation.
Request a QuoteSelf-Enroll Online
Small business? Get covered fast with our self-service enrollment portal — powered by Next Insurance. Instant quotes, instant coverage.
- General Liability
- Workers' Comp
- Commercial Auto
- Tools & Equipment
Powered by Next Insurance. Opens in a new tab.
Not sure which option is right for you?
Our licensed brokers can walk you through your options in minutes. No jargon, no pressure — just straight answers.