Apartment buildings or garden apartment complexes. Condominiums, co-ops or even active adult communities. No matter what types of habitational properties you own, consider insuring them with GNY—one of the leaders in protecting real estate owners. Based on our extensive experience insuring this marketplace, we've customized an array of coverages to protect property owners from an array of potential risks.
Review the highlights of our solutions below or click here for an online needs assessment you can review with your insurance advisor.
Click any tab for highlights of our Commercial Insurance solutions:
- Workers' Comp
- Excess & Surplus
Core Property Coverages. In addition to protecting your buildings and its contents, our total package provides other coverages particularly valuable to real estate owners, including protection against mechanical, electrical or pressure system breakdown, and improvements and betterments.
Enhanced Habitational Real Estate Coverages. Our package extends protection in six areas that are critically important to real estate owners, including:
|Backup of sewer and drains||Debris removal||Environmental impairment|
money and securities
|Elevator collision for
personal property of others
|Newly acquired real
and personal property
|Pollution cleanup||Ordinance or law coverage|
Core Liability Coverages. This comprehensive solution can also protect you from lawsuits related to claims that you damaged others' property, caused medical injuries and more.
Optional Coverages. Our Employment Practices Liability option protects against financial loss for claims related to hiring and firing practices and sexual harassments, just to name a few.
If you insure your business or property with GNY, we may also be able to complement that coverage with insurance for any vehicles your business owns or leases. Your GNY producer can tailor a commercial auto policy that addresses your specific needs for protection against medical injuries, property damage, collisions and liability resulting from auto accidents.
Your organization's leadership, both its senior executives as well as the members of its board of directors, face unique risks relative to their management responsibilities. GNY can provide financial protection in case they are ever sued for the performance of their duties as they relate to the company.
If you insure your business through GNY, you may also be able to secure your workers’ compensation insurance through us. This type of insurance can help pay for legal services related to a workers’ compensation claim as well as the medical care and lost wages of employees who are injured on the job or become ill because of a work-related disease. Not only do we offer an array of attractively priced dividend plans and other options, we also strive to limit our clients’ losses by helping them get their injured workers back to work as soon as prudently possible.
Given our litigious society, more and more businesses are subject to larger and larger lawsuits. Consider securing more peace of mind by adding umbrella liability coverage that extends beyond the liability protection included in your base package. Through GNY’s Brite Insurance Agency, we offer umbrella liability coverage ranging from $5-50 million for many types of business—at very competitive pricing.
For those businesses with unique risks, GNY has established a subsidiary to address their specialized needs for insurance protection. Through GNY Custom, we have the expertise and the capacity to underwrite a diverse array of property and casualty risks. Just a few of the types of businesses we serve through GNY Custom include food processors, retailers, schools and other public entities, and many different types of product manufacturers.