Co-Op / Condo Insurance

Customized insurance to help protect your business
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A Comprehensive and Flexible Solution

GNY understands the unique needs of the condo insurance / insurance coop industry. Our commercial package combines property and general liability insurance with coverage enhancements specific to your industry – all in one convenient policy. Optional coverages are available to further customize your insurance program.


  • Property Insurance - Covers damage to a building and its contents due to a covered event, such as a fire. Also insures against losses associated with mechanical and electrical system breakdowns, a business interruption, and more.

  • General Liability Insurance - Provides legal defense and coverage for claims of bodily injury caused by accident, associated medical costs, and for certain Personal and Advertising Injuries.

  • Limits up to $1 million per occurrence
  • $2 million aggregate
  • Medical payments available up to $10,000
  • Umbrella limits up to $15 million
  • Industry-related enhancements - More than 20 enhancements are added to the policy to address the unique insurance needs associated with condos and co-ops. Enhancements include but are not limited to:

  • Backup of sewer drains
  • Debris removal
  • Elevator collision (for personal property of others)
  • Employee Dishonesty, Forgery, Money and Securities
  • Newly acquired real and personal property 
  • Ordinance or Law
  • Outdoor signs
  • Pollution cleanup

Optional coverages:

Your business is unique. That’s why we offer additional coverages to further customize your insurance program, including:

Please refer to the insurance policies themselves for a complete description of the coverages, limits, conditions, and exclusions. 

Not all products are available in all states and not all products are available in all multi-peril packages offered by GNY Insurance Companies. Please consult with your GNY affiliated broker for further information


Coverage & Benefits

Understanding coverage and benefits is an important first step to protecting your business.



One Program, Many Choices - Condominiums and Co-Operatives

Our package policy includes standard property and general liability coverages along with industry-specific enhancements. Working with your insurance professional, you decide what additional coverages are needed. You also have access to a variety of risk management services to help you control costs.

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Why GNY?

  • Expert in providing industry-specific commercial insurance since 1914
  • Consistently rated A+ (Superior) by A.M. Best Company
  • Disciplined underwriting matches price to risk
  • Strong, personalized policyholder service
  • Industry leading claims service
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