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LIrisk Logo, and it says Long Island Risk Placement. It also says Insurance Brokerage Services
Homeowners insurance coverage for Long Island and New York City properties

Homeowners & Home Insurance in Suffolk & Nassau County — Affordable Coverage Near You

Protect Your Long Island Home with Custom Home Insurance

Protecting your home and family is a top priority. At LIrisk, we specialize in Long Island homeowners' insurance for properties in Suffolk and Nassau Counties, including coastal and high-value homes. Whether you own a primary residence in Sayville, a rental property in Huntington, or a vacation home in the Hamptons, our local experts help you secure the right coverage at the right price.

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We work with top‑rated New York insurance carriers that understand the unique risks of Long Island — from coastal storms to flood exposure — so you get customized protection and competitive rates.

Explore Our Personal Insurance Options

Long Island Homeowners Insurance Built for Suffolk & Nassau Properties

Protect your home and everything inside it with customized homeowners insurance from LIrisk. Our policies are designed for Long Island families in Suffolk and Nassau Counties, providing coverage for fire, water damage, theft, and personal liability. For homes near the coast, we offer windstorm and hurricane protection, and we guide homeowners through flood insurance options for high‑risk areas and FEMA flood zones.

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Whether you own a primary residence in Brookhaven, Smithtown, or Islip, a rental property in Hempstead or Massapequa, or a vacation house in the Hamptons or Fire Island, LIrisk connects you with top‑rated New York insurance carriers offering affordable, reliable coverage. Our local expertise ensures your policy is tailored to your home’s rebuild cost, location, and unique risks, including coastal exposures in Sayville, Patchogue, Freeport, and Long Beach.

Why Long Island Homeowners Need Specialized Insurance

Owning a home in New York — especially on Long Island — comes with unique risks. Coastal storms, flood zones, and high rebuild costs in Suffolk and Nassau Counties mean that a standard homeowners policy isn’t always enough. At LIrisk, we provide customized homeowners insurance that protects your property, belongings, and family while meeting lender requirements and local regulations.

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Our tailored approach ensures your policy covers fire, water damage, theft, and personal liability, with specialized options for coastal properties in Sayville, Freeport, Long Beach, and the Hamptons. We also guide you through flood insurance options, FEMA compliance, and coverage for high-value homes, so you can feel confident your biggest investment is protected.

Get More Information or Request a Business Insurance Quote

Long Island Risk Placement
LIrisk.com
 
Call us:
516-8-LIRISK

Email:
info@lirisk.com

Start Your Insurance Quote Application Today

Complete our quick and secure online application to receive a customized insurance quote for your business. Most quotes are delivered within 24 hours, and same-day Certificates of Insurance (COIs) are available when you need them. Click the button below to get started.

Specialized Coverage for Every Type of Property

Primary Residences: Full coverage for your family home in Brookhaven, Huntington, Islip, Smithtown, or Babylon

Vacation & Secondary Homes: Seasonal and summer properties in the Hamptons, North Fork, Montauk, Fire Island, and Shelter Island

Landlord & Rental Properties: Coverage for income‑producing homes in Hempstead, Massapequa, Freeport, and Patchogue

High‑Value & Coastal Homes: Specialized protection for unique or high‑risk properties in Long Beach, Sayville, Port Jefferson, and Rocky Point

Flood Insurance Options: Expert guidance with FEMA flood maps, elevation certificates, and compliance for properties in Riverhead, Bay Shore, and Mastic Beach

Why Long Island Families Choose LIrisk

When you partner with LIrisk, you get local insurance expertise and personalized service designed to protect what matters most for Long Island homeowners in Brookhaven, Huntington, Hempstead, and Islip.

We provide:

Fast proof of insurance for closings and lenders in towns like Smithtown, Massapequa, and Patchogue

Multi‑policy discounts for home, auto, and umbrella bundles for families in Babylon, Freeport, and Port Jefferson

Coverage reviews to prevent gaps or underinsurance for homes in Riverhead, Sayville, and Long Beach

Guidance on flood zones, deductibles, and optional endorsements, especially for Montauk, Fire Island, and Mastic Beach coastal properties

Support for first‑time buyers and growing families throughout Suffolk and Nassau Counties

Bundling home, auto, and umbrella insurance can save Long Island families — from North Fork to the South Shore — up to 10% on premiums.

Protect Your Suffolk County Home with LIrisk Insurance

From Brookhaven and Islip to Huntington and Babylon, Suffolk County offers some of Long Island’s most desirable neighborhoods for families and coastal living. LIrisk provides tailored homeowners insurance that protects your property, personal belongings, and liability. Whether you own a colonial in Smithtown, a ranch in Patchogue, a waterfront home in Sayville or Bay Shore, or a vacation house in the Hamptons or Montauk, we’ll help you secure affordable coverage from top‑rated carriers.

Affordable Homeowners Insurance for Nassau County Families

Nassau County homeowners in Hempstead, Oyster Bay, and North Hempstead face unique insurance needs, from suburban neighborhoods to waterfront properties. LIrisk helps protect your family, home, and personal assets with insurance explicitly designed for Long Island.

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Whether you reside in Freeport, Long Beach, Massapequa, Garden City, or Rockville Centre, our experts ensure you receive comprehensive homeowners coverage and multi‑policy discounts for home, auto, and umbrella insurance. We also assist homeowners in Merrick, Baldwin, and Seaford, including those with coastal or flood‑zone properties, to secure reliable and affordable protection.

Specialized Coverage for Long Island Coastal Homes

If your home is near the Long Island Sound, Great South Bay, or Atlantic Ocean, you need homeowners insurance that addresses coastal and flood risks. LIrisk specializes in protecting properties in Long Beach, Freeport, Sayville, Bay Shore, Montauk, and the Hamptons, where storm surge, wind damage, and hurricane exposure are common concerns.

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We also help homeowners in Fire Island, Mastic Beach, and Port Jefferson secure high‑value coastal property coverage, including flood insurance guidance, elevation certificate support, and policies tailored to waterfront and high‑risk locations.

Insurance for Vacation, Rental & Secondary Homes

Long Island is home to thousands of seasonal and rental properties, especially in the Hamptons, Fire Island, North Fork wine country, and Shelter Island. LIrisk offers landlord and secondary home insurance that safeguards your investment against damage, liability, and rental income loss.

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From Port Jefferson and Rocky Point to Massapequa and Montauk, our team helps property owners protect vacation homes, rental cottages, and multi‑family residences in communities like Greenport, Riverhead, and Westhampton Beach. With flexible coverage options and local expertise, we ensure your property is properly insured for Long Island’s unique coastal and seasonal risks.

  • Why do towing companies need Tow General Liability if they already carry Commercial Auto?
    Commercial Auto covers accidents involving insured tow trucks. Tow General Liability covers premises and operations exposures, such as a customer injury on your property or damage caused by non-vehicle business activities.
  • Are flatbeds, wreckers, and heavy-duty tow trucks insured differently?
    Yes. Premiums depend on truck type, gross vehicle weight, use (roadside assistance vs. heavy recovery), and driver records. Flatbeds and integrated heavy-duty trucks usually require higher coverage limits.
  • Do you provide Hired and Non-Owned Auto coverage?
    Yes. This protects your business if employees use personal vehicles for company errands or if you temporarily rent a vehicle for towing operations.
  • Is repossession towing covered under tow truck insurance?
    Yes, repossession work can be insured. Because it carries higher risks, specialized endorsements are available for recovery operations, including wrongful repossession coverage.
  • How fast can I get proof of insurance for DMV, landlords, or contracts?
    Most certificates of insurance can be issued the same day, including endorsements for additional insureds and waiver wording required by contracts.
  • What is the difference between On-Hook and Garagekeepers coverage?
    On-Hook covers damage to a customer’s vehicle while it is being towed. Garagekeepers covers vehicles that are parked or stored at your lot, yard, or repair facility. Most towing companies in New York need both.
  • Do you insure new towing businesses or those with prior cancellations?
    Yes. Coverage can be arranged for new ventures and businesses with past insurance challenges, provided driver qualifications, equipment standards, and safety protocols are in place.
  • How much On-Hook coverage should I carry?
    The limit depends on the types of vehicles you tow. Many companies carry $50,000 to $100,000 per vehicle, though higher limits may be required for contracts or luxury vehicles.
  • What is Dealer Errors & Omissions (E&O)?
    Dealer E&O covers title errors, odometer misstatements, Truth-in-Lending/Leasing violations, and prior damage disclosure mistakes. This protects your dealership from costly paperwork disputes and lawsuits.
  • What about Workers’ Compensation for dealership employees?
    We provide access to NY workers’ compensation programs with upfront discounts, dividend potential, and audit support — covering sales staff, service techs, and lot attendants.
  • Do you provide Dealer Plate Insurance?
    Yes. We offer NYS DMV-compliant dealer plate and transporter tag coverage, protecting liability and physical damage when operating vehicles with dealer plates.
  • What is Dealer’s Open Lot (DOL) coverage?
    DOL protects your vehicle inventory against theft, vandalism, hail, fire, and collision while on your lot or in transit. It’s often required by floorplan lenders.
  • Why do auto dealers need specialized insurance?
    Dealerships face risks beyond a standard business — from test drives and demo rides to high-value inventory, title paperwork, and floorplan lender requirements. Specialized dealer insurance ensures you meet DMV rules, protect your lot, and cover dealer-specific exposures.
  • Do you offer bonds for New York dealers?
    Yes. We provide fast issuance of title bonds and dealer surety bonds required by the NYS DMV for licensing, lost titles, or ownership guarantees.
  • How quickly can I get proof of insurance for DMV or my lender?
    In most cases, we can issue same-day certificates of insurance (COIs) to meet DMV licensing, lease agreements, or floorplan lender requirements.
  • What types of dealerships do you cover?
    We insure independent used car dealers, franchised new car dealers, light truck dealers, and franchised motorcycle dealerships across NYC, Nassau, and Suffolk.
  • Are playgrounds, gyms, and equipment covered?
    Yes. Our programs include facility and equipment coverage for playgrounds, fences, gyms, and classrooms — protecting against both accidents and property damage.
  • How quickly can we get proof of insurance for licensing?
    Most certificates of insurance (COIs) are issued the same day. This helps you meet state licensing and landlord requirements without delay.
  • What types of facilities do you cover?
    We insure licensed daycare centers, Montessori schools, charter schools, private & parochial schools, after-school programs, and nonprofit educational organizations across NYC, Nassau, and Suffolk County.
  • Is workers’ compensation required for staff?
    In New York, workers’ compensation is mandatory for employees. We cover teachers, aides, and support staff to ensure compliance and protect against workplace injury claims.
  • Why do child care centers and schools need specialized insurance?
    Because caring for children comes with unique risks — from playground injuries to staff allegations. Standard business insurance isn’t enough. Specialized programs include abuse & molestation coverage, educators liability, and property protection for classrooms and playgrounds.
  • Do you insure school vans or buses?
    Yes. Commercial auto coverage protects vehicles owned or leased by your school or daycare, covering liability and physical damage.
  • Can special events like field trips or fundraisers be insured?
    Yes. We provide event coverage for school plays, fundraisers, festivals, retreats, and field trips, ensuring your activities are fully protected.
  • Do teachers and administrators need professional liability?
    Absolutely. Educators and school leaders face exposure from decisions, counseling, or supervision. Professional liability (E&O) helps protect against lawsuits tied to educational services.
  • Is clergy professional liability included?
    Yes. Clergy and pastoral professional liability coverage protects ministers, rabbis, imams, priests, and counselors against claims related to guidance, counseling, or professional services.
  • Can our board and trustees be personally sued?
    Yes — and that’s why Directors & Officers (D&O) Liability is so important. It protects leaders, board members, and trustees from personal financial loss tied to decisions made on behalf of the institution.
  • Do you offer coverage for abuse or misconduct claims?
    Absolutely. Abuse & molestation liability is a critical coverage for institutions with youth groups, daycare, schools, or vulnerable populations. It helps protect your organization against one of the most severe risks houses of worship face.
  • What if our institution operates a daycare or school?
    We provide coverage tailored to faith-based schools and daycare centers, including liability, property, workers’ comp, and abuse prevention programs.
  • How quickly can we get a certificate of insurance (COI)?
    Most COIs are issued the same day you request them, so you can meet lease, rental, or event requirements without delay.
  • Why do religious institutions need specialized insurance?
    Because they’re more than just buildings — they’re gathering places for worship, education, childcare, and outreach. These unique activities create risks (like counseling liability, youth programs, and sacred property) that standard business policies don’t fully address.
  • What types of religious organizations do you cover?
    We insure churches, synagogues, mosques, temples, faith-based nonprofits, affiliated schools, daycare centers, and community outreach programs throughout NYC, Nassau, and Suffolk County.
  • Does property coverage include stained glass, organs, or religious artifacts?
    Yes. Our programs go beyond basic building coverage to include sanctuaries, stained glass, musical instruments, sacred objects, fine art, and cultural treasures.
  • Do you cover vehicles owned by the church, synagogue, or mosque?
    Yes. Commercial Auto Insurance protects vans, buses, and shuttles used for worship services, community outreach, and transporting members.
  • Do you provide Professional Liability (Malpractice) coverage for veterinarians?
    Yes. Our Professional Liability coverage protects against claims of negligence, errors, omissions, or failure to provide expected standards of care for animal patients.
  • Can you help me meet my landlord’s insurance requirements?
    Yes. We can quickly issue Certificates of Insurance (COIs) that meet landlord, supplier, and licensing requirements — often the same day coverage is bound.
  • What types of veterinary businesses do you insure?
    We cover small animal practices, large animal and equine vets, mobile veterinary services, specialty clinics, emergency animal hospitals, and multi-location practices throughout NYC, Nassau, and Suffolk.
  • Is Cyber Liability important for veterinary clinics?
    Yes. Veterinary practices store sensitive client and patient data, making them vulnerable to data breaches, ransomware, and payment fraud. Cyber Liability coverage helps mitigate these risks.
  • What is Animal Bailee coverage, and do I need it?
    Animal Bailee coverage protects against injury, loss, or death of an animal in your care, custody, or control. This is especially important for clinics that board pets or provide post-surgical recovery care.
  • Can I get coverage for multiple clinic locations under one policy?
    Yes. Multi-location practices can be insured under a single policy with coverage tailored to each facility’s specific operations and exposures.
  • How do I get started with a quote?
    Call 516-8-LIRISK or submit our online request form. We’ll review your practice’s operations, location, and coverage needs, then match you with top-rated carriers that specialize in veterinary insurance.
  • Do you offer Workers’ Compensation for veterinary staff?
    Yes. We provide competitive workers’ comp programs with up to 25% upfront premium discounts, accurate classification for veterinary and administrative staff, and potential annual dividends.
  • Can you insure my clinic’s surgical and diagnostic equipment?
    Absolutely. Our Commercial Property coverage can include surgical tables, imaging machines, lab equipment, computers, and other high-value veterinary tools.
  • Can my insurance policy cover subcontractors or consultants?
    Some policies allow you to extend coverage to certain subcontractors, but most contracts require subs to carry their own insurance. LIrisk can help you set up risk transfer programs and track certificates of insurance from all project partners.
  • What is the difference between Professional Liability and General Liability coverage?
    Professional Liability (Errors & Omissions) covers claims related to design mistakes, missed deadlines, or professional negligence. General Liability covers bodily injury and property damage claims that occur in your office or during site visits. Most design firms need both to be fully protected.
  • What factors affect the cost of A&E insurance?
    Premiums are influenced by your firm’s size, project types, annual revenue, claims history, and required coverage limits. Large, high-risk projects often require higher limits, which can increase costs.
  • Do architects and engineers need cyber liability insurance?
    Yes. A&E firms store sensitive digital files, blueprints, and client information. Cyber liability protects against data breaches, ransomware attacks, and theft of project or client data. It can also cover regulatory penalties and breach response costs.
  • Why do architects and engineers in New York need specialized insurance?
    Architects and engineers face unique exposures, including design errors, project delays, and site-related injuries. Specialized insurance provides professional liability (E&O) coverage, general liability, and other protections tailored to meet AIA contract terms, NY Labor Law requirements, and client specifications.
  • How do I get a quote for Architects & Engineers Insurance?
    Call 516-8-LIRISK or submit an online request. We’ll gather your firm’s details, review your project types, and match you with A-rated carriers that specialize in A&E coverage for NYC, Nassau, and Suffolk firms.
  • Is Workers’ Compensation required for design professionals in New York?
    Yes. If your firm has employees — even part-time — Workers’ Compensation is required by NY law. It covers medical bills, lost wages, and rehabilitation for work-related injuries or illnesses, including site visit incidents.
  • Are A&E firms required to carry certain coverage limits in New York?
    Yes. Many public and private projects in NYC, Nassau, and Suffolk require specific professional liability and general liability limits, often $1M or higher. LIrisk works with firms to ensure their policies meet client, municipality, and contract requirements.
  • Is cyber liability insurance necessary for my medical office?
    Yes. If you store patient health information or use electronic medical records (EHR), cyber liability insurance is essential. It covers data breaches, ransomware attacks, and HIPAA violations, as well as patient notification and recovery costs.
  • What is the difference between medical malpractice insurance and general liability insurance?
    General Liability covers incidents like patient slip-and-falls or property damage in your office, while Medical Malpractice Insurance protects against claims of negligence, errors, or omissions in patient care. Most practices need both types of coverage.
  • Why do medical practices in New York need specialized insurance?
    Medical practices face unique risks, including malpractice claims, patient injuries, data breaches, and compliance penalties. Specialized insurance ensures your practice has the right combination of liability, property, cyber, and workers’ comp coverage to protect against these threats while meeting NYS licensing and contract requirements.
  • How much workers’ compensation coverage does my medical office need?
    In New York, workers’ comp is required for any medical practice with employees. Your coverage should reflect the roles in your practice — from administrative staff to medical professionals — to ensure accurate classification, premium discounts, and compliance.
  • How can I get a quote for medical office insurance?
    You can call 516-8-LIRISK or request a quote online. We’ll review your practice details, evaluate your risks, and create a custom insurance package with coverage from top-rated New York carriers.
  • What factors affect the cost of medical practice insurance in NYC, Nassau, and Suffolk?
    Premiums depend on factors like the type of medical services provided, number of providers, annual revenue, claims history, and the coverage limits you choose. LIrisk works with multiple A-rated carriers to find competitive options.
  • Is Professional Liability Insurance the same as General Liability Insurance?
    No. General Liability covers bodily injury and property damage to third parties, such as a client slipping in your office. Professional Liability (or Errors & Omissions) covers claims related to mistakes, negligence, or omissions in your professional services. Many office-based businesses need both.
  • Do I need Workers’ Compensation if I only have part-time employees?
    Yes. In New York, Workers’ Compensation Insurance is required for most businesses with employees — including part-time, seasonal, and temporary staff — to cover job-related injuries and illnesses.
  • How much does Office & Professional Services Insurance cost?
    Premiums vary based on your industry, location, coverage limits, and claims history. For small offices, policies may start as low as a few hundred dollars per year, while larger firms with higher risks may pay several thousand annually.
  • Is Cyber Liability Insurance necessary for my office?
    Yes. Most professional offices store sensitive client information, such as medical records, financial data, or personal identifiers. Cyber Liability Insurance protects you from the financial impact of data breaches, ransomware, and other cyber incidents.
  • What types of coverage are included in an Office & Professional Services policy?
    Common coverages include: General Liability Insurance Professional Liability / Errors & Omissions Commercial Property Insurance Cyber Liability Insurance Workers’ Compensation Employment Practices Liability Insurance (EPLI) Fidelity & Crime Insurance Business Owner’s Policy (BOP)
  • Which businesses need Office & Professional Services Insurance?
    Any office-based business that works directly with clients, manages sensitive information, or owns office space and equipment should carry insurance. This includes medical and dental practices, accounting firms, architects, engineers, real estate brokerages, financial advisors, and more.
  • Can LIrisk provide coverage for multiple office locations?
    Absolutely. We specialize in insuring both single-location businesses and multi-office operations. Our programs can be customized to cover each location under one policy for convenience and cost efficiency.
  • How do I get a quote for Office & Professional Services Insurance?
    You can call LIrisk at 516-8-LIRISK or complete our online quote request form. We’ll review your business details, identify your risks, and provide a tailored insurance package from top-rated carriers serving NYC, Nassau, and Suffolk.
  • What is Office & Professional Services Insurance?
    Office & Professional Services Insurance is a set of coverages designed to protect office-based businesses — such as medical practices, law firms, real estate agencies, and accounting offices — from financial losses caused by liability claims, property damage, cyber incidents, and employee injuries.
  • What coverages are most important for distribution businesses?
    Core coverages include general liability, product liability, commercial property, business auto, workers’ compensation, and inland marine. Many distributors also benefit from spoilage coverage, cyber liability, and business income protection.
  • What if we operate multiple warehouses or delivery routes?
    We tailor coverage for multi-location and multi-route businesses, including coverage for multiple facilities, fleet vehicles, and varying employee roles like warehouse staff, drivers, and administrative workers.
  • Is cyber insurance necessary for a distribution business?
    Yes — especially if you process online orders, maintain customer databases, or operate vendor portals. Cyber liability covers data breaches, ransomware, and payment system attacks that could disrupt operations.
  • Do I need product liability if I only distribute goods, not manufacture them?
    Yes. Distributors can be held liable for product defects or damages even if they didn’t manufacture the product. Product liability coverage helps protect your business from lawsuits and claims down the supply chain.
  • What types of distributors do you insure?
    We provide insurance for a wide range of wholesale and distribution operations, including auto parts distributors, food and beverage wholesalers, janitorial and sanitation supply distributors, import/export businesses, and regional delivery networks.
  • Are there discounts available for workers’ compensation?
    Yes. We offer access to safety groups and programs that may provide up to 25% upfront discounts and annual dividend potential. We also help with classification and audit support to avoid overcharges.
  • Can we get insurance if we handle hazardous materials like cleaning chemicals or automotive fluids?
    Absolutely. We work with carriers that understand the storage, handling, and transportation risks for hazardous or regulated materials — ensuring your coverage matches your risk profile.
  • Can LIrisk issue Certificates of Insurance (COIs) for our vendors and clients?
    Yes. We provide fast COIs for your vendors, retailers, property managers, and contract partners — often the same day. This helps you meet compliance requirements and avoid operational delays.
  • What types of manufacturers does LIrisk insure?
    We provide insurance for a wide range of manufacturing operations, including commercial bakeries, machine shops, metal and plastics manufacturers, cosmetic and skincare product labs, contract packagers, and more.
  • What coverage do I need as a manufacturer in New York?
    Most manufacturers need general liability, product liability, workers’ compensation, commercial property coverage, business income protection, and equipment breakdown. Depending on your operation, cyber liability and product recall insurance may also be essential.
  • How does product recall insurance work?
    Product recall coverage helps cover the costs of notifying customers, retrieving products, disposing of goods, and managing PR or legal exposure. It’s especially important for food, cosmetic, and consumer goods manufacturers.
  • Do you offer workers’ comp programs with discounts for manufacturers?
    Yes. We work with safety groups and carriers that specialize in manufacturing class codes. You may qualify for upfront discounts of up to 25% and potential annual dividends — along with free classification and audit guidance.
  • Can I bundle all my insurance needs under one program?
    Yes. We can often package your liability, property, auto, workers’ comp, inland marine, and cyber insurance into one coordinated program — reducing gaps and streamlining billing and renewals.
  • What if I import or distribute products in addition to manufacturing them?
    We can tailor coverage to include your importing, packaging, distribution, and e-commerce operations. Whether you manage production in-house or outsource parts of the process, we’ll help build a comprehensive policy.
  • Do I need product liability insurance if I don’t sell directly to consumers?
    Yes. Even if you manufacture for wholesalers or private label brands, you can still be held liable for product defects, contamination, or injuries. Product liability coverage helps protect your business from lawsuits and regulatory claims.
  • Can LIrisk help with vendor and retailer insurance requirements?
    Absolutely. We issue certificates of insurance (COIs) quickly and help ensure your policy meets the requirements of distributors, retail chains, property managers, and event organizers.
  • What if I lease warehouse space — do I still need property insurance?
    Yes. Even if you lease, you’re responsible for insuring your contents, inventory, refrigeration units, racking systems, and tenant improvements.
  • What if we import or export food products?
    We offer specialized insurance options for import/export exposures, including product liability, transit coverage, and international vendor risk.
  • What types of food and beverage distributors does LIrisk insure?
    We insure broadline distributors, specialty food wholesalers, redistributors, cash-and-carry operations, and refrigerated and dry goods warehouse operators throughout New York.
  • What workers' comp classifications apply to food distributors?
    We apply distribution-specific class codes for warehouse workers, drivers, clerical staff, and management — and offer guidance to help you avoid overcharges.
  • What coverages are included in a food distributor insurance program?
    Our programs may include general liability, commercial property, spoilage, food-borne illness liability, inland marine, commercial auto, cyber liability, product recall, and workers’ compensation.
  • Do I need separate insurance for spoilage and contamination?
    Yes. Standard property coverage may not fully address spoilage or contamination. We offer spoilage and contamination add-ons to protect against temperature loss, power failure, and foodborne illness exposures.
  • Can I get coverage for my delivery trucks and vans?
    Absolutely. We offer business auto and fleet insurance options tailored for food distributors with vehicles transporting goods locally or regionally.
  • Can you help us prepare for a product recall event?
    Yes. Our product recall coverage includes access to crisis response resources and reimbursement for recall-related costs, communication, and disposal.
  • How does workers’ compensation apply to auto parts distributors?
    It protects warehouse workers, drivers, and clerical staff in case of job-related injuries or illnesses. We help assign proper classification codes and provide audit support to keep costs down.
  • What does inland marine insurance cover?
    Inland marine insurance helps protect mobile inventory, diagnostic tools, scanners, and parts while in transit or stored off-site — especially important if you operate multiple warehouses or deliver parts regionally.
  • How do I request a quote from LIrisk?
    You can request a quote by filling out our online form, calling 516-854-7475, or emailing info@lirisk.com with details about your business operations and insurance needs.
  • Who needs Auto Parts Distributor Insurance?
    Any business involved in the wholesale distribution, import/export, or delivery of automotive parts and components should carry distributor insurance — including regional warehouses, online suppliers, and vendor fulfillment centers.
  • What coverages are included in an auto parts distribution policy?
    Common coverages include general liability, product liability, commercial property, workers’ compensation, commercial auto, cyber liability, inland marine, and crime insurance.
  • Can you provide Certificates of Insurance (COIs) quickly for our vendors?
    Yes. We offer fast, often same-day, COIs for vendor agreements, dealership accounts, repair shops, landlords, and delivery partners.
  • Do I need product liability coverage if I don’t manufacture the parts?
    Yes. Distributors can still be held legally responsible for product-related injuries or damages, especially if you're listed as the seller, repackager, or relabeler of the parts.
  • Can I get coverage for theft or employee dishonesty?
    Yes. Crime insurance can protect against burglary, internal theft, inventory shrinkage, and fraudulent use of business accounts or fuel cards.
  • What risks does commercial auto insurance protect against?
    It covers liability and physical damage for company vehicles used to deliver auto parts, make pickups, or transport employees and inventory.
  • What property coverages are available for cosmetic labs or warehouses?
    Our property insurance can protect your building, business personal property (equipment, ingredients, packaging), and lost income due to a covered event like fire, theft, or equipment breakdown.
  • Who needs cosmetic manufacturer insurance?
    Cosmetic manufacturer insurance is essential for businesses involved in the formulation, production, packaging, importing, or distribution of skincare, beauty, and personal care products. This includes private-label labs, fragrance producers, and cosmetics importers.
  • Is cyber liability recommended for cosmetic companies?
    Yes. If your company stores customer data, sells online, or uses cloud-based systems for orders or inventory, cyber insurance helps cover the cost of breaches, ransomware, and recovery expenses.
  • How can I request a quote from LIrisk?
    You can request a quote by filling out our online form, calling 516-854-7475, or emailing info@lirisk.com with details about your business, current policies, and any vendor requirements.
  • What types of claims does cosmetic liability insurance cover?
    It helps protect against claims involving allergic reactions, skin irritation, product defects, labeling errors, and contamination — whether the claim arises from your own brand or a product you manufacture for others.
  • What if I manufacture other products like soap or candles?
    We can insure operations that include multiple personal care product lines — such as bath bombs, lotions, candles, and hair care — provided they're properly disclosed and labeled.
  • Can I get a certificate of insurance (COI) for a retailer or vendor?
    Yes. We provide same-day COIs for retailers, marketplaces (like Amazon or Etsy), franchisors, landlords, and vendor partners.
  • Is product recall coverage included?
    Yes. We offer optional product recall coverage that reimburses you for costs related to pulling products from the market, notifying customers, and destroying defective inventory.
  • Do you insure cosmetic importers or online retailers?
    Absolutely. Our program includes coverage for importers, Amazon sellers, and private-label brands that resell or distribute beauty and skincare products sourced from outside the U.S.
  • Is workers’ compensation included in your manufacturing insurance programs?
    Yes. We offer workers’ compensation coverage with access to industry-specific classification codes, safety group discounts, and audit support to help lower your premium and stay compliant in New York.
  • Do you provide coverage for both property and liability exposures?
    Yes. Our policies include general liability and commercial property coverage tailored to manufacturing risks like equipment fires, chemical exposures, and product-related claims.
  • Do you offer inland marine coverage for tools, molds, and goods in transit?
    Yes. Our inland marine policies protect mobile equipment, dies and molds, and materials transported between job sites, suppliers, or distribution centers.
  • What limits are available on general liability and umbrella policies?
    We offer flexible liability limits, including umbrella and excess liability options up to $10 million, depending on your risk profile and carrier eligibility.
  • How do I request a quote for my manufacturing facility?
    You can request a quote by completing our online form, calling 516-854-7475, or emailing your application and loss runs to info@lirisk.com. We’ll help you review your current policies and identify gaps in coverage.
  • Can you cover equipment breakdown or machinery failure?
    Absolutely. Equipment breakdown insurance is available to protect key assets like CNC machines, molding equipment, HVAC systems, compressors, and electrical panels from mechanical or electrical failure.
  • What are common exclusions for metal and plastics manufacturers?
    Exclusions typically include coverage for structural metal erection, consumer-ready goods, aerospace components, and operations involving on-site installation. We’ll help you determine eligibility.
  • What types of manufacturers qualify for your Metals & Plastics Insurance program?
    Our program is designed for New York-based businesses involved in metalworking or plastics manufacturing, including machine shops, injection molders, extruders, electroplaters, tool and die makers, and manufacturers of stamped, cast, or fabricated metal or plastic parts.
  • What type of insurance does a commercial bakery need?
    A commercial bakery typically needs general liability, commercial property, business interruption, equipment breakdown, spoilage, workers’ compensation, and commercial auto insurance. Many bakeries also add coverage for product liability, cyber risks, and food contamination.
  • Can I get coverage for delivery vehicles and driver accidents?
    Yes. LIrisk offers commercial auto and non-owned/hired auto insurance to protect your bakery’s vehicles and drivers during deliveries, pickups, or vendor runs.
  • Is spoilage or contamination covered under bakery insurance?
    Yes. Our policies can include spoilage coverage due to equipment failure or power outage, as well as food contamination insurance if a product recall or shutdown is ordered by a health department.
  • How much does bakery manufacturing insurance cost in New York?
    Costs vary based on your location, size, payroll, equipment value, delivery operations, and coverage needs. Most commercial bakeries pay between $3,000 and $10,000 annually depending on their risk profile. Get a custom quote from LIrisk.
  • Does LIrisk offer insurance for wholesale and high-volume bakeries?
    Yes. LIrisk specializes in insuring wholesale and commercial bakeries across New York, including bread plants, bagel manufacturers, and dessert production facilities. We tailor policies for high-volume operations and distribution risks.
  • Do you offer certificates of insurance (COIs) for distributors and landlords?
    Yes. We provide fast, free COIs for landlords, retail partners, commercial kitchens, and events. You can request unlimited certificates at no extra cost with most of our programs.
  • What class codes apply to bakery workers’ comp insurance in NY?
    Common workers’ comp class codes include 2003 (Bakery & Drivers), 2002 (Flour Milling), and 2039 (Ice Cream or Dairy Processing). LIrisk helps classify your operations correctly to avoid audit issues and overcharges.
  • Do I need insurance if I operate a bakery from a commissary or shared kitchen?
    Absolutely. Even if you rent space in a shared commercial kitchen, you are still liable for your products, staff, equipment, and delivery operations. We provide insurance for commissary and co-packer tenants.
  • What are the most common claims in this industry?
    Typical claims include employee injuries, customer accidents, fires, equipment breakdowns, theft of parts or catalytic converters, and vehicle title disputes. Our program addresses these exposures with the right mix of coverage.
  • Can I get coverage for mobile equipment or parts in transit?
    Yes. Inland Marine Insurance covers forklifts, trailers, compressors, and parts while being moved or stored off-site. It’s essential for businesses that deliver engines, transmissions, or use mobile dismantling equipment.
  • What is Conversion Coverage and why do I need it?
    Conversion coverage protects your business in the event of a legal dispute over vehicle or part ownership. If a vehicle you dismantled was sold in error or reported stolen, this coverage helps pay for legal defense and settlement costs.
  • Is this insurance required to operate in New York?
    Yes. At a minimum, New York State requires businesses with employees to carry workers’ compensation and disability insurance. Depending on your lease, licenses, and contracts, general liability and property coverage are often required as well.
  • Can I bundle all coverages into one policy?
    Absolutely. We can create a comprehensive insurance package that includes general liability, property, workers’ comp, inland marine, umbrella, EPLI, and more — all tailored to your business needs and budget.
  • What does General Liability Insurance cover for dismantlers?
    It protects your business from third-party claims of bodily injury or property damage. For example, if a customer is injured on your premises or you accidentally damage a neighbor’s property, this policy helps pay for legal and medical costs.
  • What types of businesses qualify for Auto Dismantlers Insurance?
    We insure a wide range of operations including auto dismantlers, salvage yards, self-service "u-pull-it" yards, used auto parts dealers, and auto recyclers. If your business is primarily focused on dismantling vehicles and reselling parts, you're likely eligible.
  • Does Property Insurance cover salvaged vehicles and parts?
    Yes, your business personal property coverage can include salvaged vehicles, used parts, office equipment, shelving, tools, and yard structures. We can tailor limits and valuations to match your inventory and risk.
  • How do I get a quote for my scrap or recycling business?
    Simply click Request a Quote, call us at 516-854-7475, or fill out our short intake form. We’ll guide you through the process and deliver a custom proposal with no broker fees or pressure.
  • Do you offer coverage for equipment like balers, shears, and forklifts?
    Absolutely. We offer equipment breakdown and inland marine coverage that protects your fixed and mobile equipment from mechanical failure, damage, or theft.
  • Do you offer coverage for crime, employee dishonesty, or conversion?
    Yes. We offer crime and conversion coverage that protects your business from internal theft, inventory fraud, and metal conversion losses.
  • What types of scrap metal businesses do you insure?
    We insure a wide range of operations, including scrap metal processors, auto recyclers, dismantlers, salvage yards, and self-service “U-pull-it” yards that handle ferrous and non-ferrous metals.
  • Do you cover multiple locations under one policy?
    Yes, we can structure a policy that insures multiple yards, storage sites, or processing locations under a single program with consolidated billing and streamlined certificates.
  • Is environmental or pollution liability coverage available?
    Yes. Our program offers optional pollution liability coverage to protect against spills, contamination, or regulatory fines — essential for operations handling fluids, batteries, and oil.
  • Are we eligible if we also process small amounts of plastic or paper?
    Yes, if your non-metal recyclables (like plastic or paper) make up less than 15% of total volume, you may still qualify for property and general liability coverage under our program.
  • Can we get workers’ compensation with access to a NY safety group?
    Yes. We work with NYSIF and private carriers to place scrap yards and auto dismantlers into eligible safety groups that may offer upfront discounts and annual dividends.
  • Do you work with both nonprofit and for-profit child care centers?
    Absolutely. Our daycare insurance programs are designed for both nonprofit organizations and private for-profit child care providers.
  • Is abuse and molestation coverage included automatically?
    No — this coverage is optional and must be specifically requested. We strongly recommend it for all child care providers due to the nature of the work and industry risk.
  • How quickly can I get a certificate of insurance for licensing or lease purposes?
    In most cases, we can issue same-day certificates to help you meet licensing, lease, or vendor requirements without delay.
  • What type of insurance do I need for a daycare or preschool in New York?
    Most child care businesses need general liability, property insurance, workers' compensation, professional liability, and abuse/molestation coverage. If you own vehicles or offer transportation, commercial auto coverage is also recommended.
  • Do you offer insurance for home-based daycares?
    Yes. We provide coverage options for licensed in-home daycare providers in NYC, Nassau, and Suffolk, tailored to your scale of operations.
  • What’s the difference between general liability and professional liability for daycares?
    General liability covers injuries and property damage claims (e.g., slips, trips), while professional liability covers claims related to care, supervision, or educational activities that may lead to allegations of negligence.
  • Do I need workers’ compensation insurance if I only have part-time staff?
    Yes. In New York, workers’ comp is required for any business with employees, whether they are full-time, part-time, or seasonal.
  • Does your daycare insurance cover property damage from storms or fires?
    Yes. Our property insurance includes coverage for buildings, contents, and equipment against fire, theft, vandalism, and most weather-related losses.
  • Is production equipment like fermenters and tanks covered under property insurance?
    Yes. Brewery insurance can be tailored to include production equipment as part of your building or business personal property, protecting against damage from fire, mechanical breakdown, or contamination.
  • How much does craft brewery insurance cost?
    Premiums vary based on location, size, sales volume, staffing, and coverage needs. Small breweries with taprooms typically start around $5,000–$7,500 annually, while larger operations may be higher. We’ll help you get competitive quotes.
  • Can I get coverage for product recalls or withdrawals?
    Yes. Product withdrawal expense coverage can help reimburse costs related to recalling contaminated or defective products, including customer notification, shipping, and disposal.
  • What does contamination and adulteration coverage include?
    This coverage helps pay for cleanup, lost product, and related costs if your ingredients or finished beverages are spoiled, tainted, or otherwise unsafe for consumption due to a covered peril.
  • Do I need liquor liability if I don’t have a tasting room?
    If you do not serve alcohol directly to customers (e.g., wholesale distribution only), you may not need liquor liability. However, if your brewery hosts tastings, tours, or has a taproom, it is highly recommended and often required.
  • Does brewery insurance cover on-site tastings or events?
    Yes, coverage can include liability for tasting rooms, tours, special events, and off-site festivals. Liquor liability and event coverage are essential if alcohol is served to the public.
  • What types of insurance does a craft brewery need in New York?
    Most breweries need general liability, liquor liability, property insurance, workers’ compensation, and equipment breakdown coverage. Depending on your operations, you may also need coverage for contamination, product recall, cyber liability, and business auto.
  • What safety programs can help lower my brewery’s insurance costs?
    Implementing employee safety training, chemical handling protocols, slip and fall prevention, and machinery maintenance plans can help reduce claims and lower workers' compensation or liability premiums.
  • Are mobile canning operations or contract brewing covered?
    Yes. Coverage can be customized for contract brewing, mobile canning services, and shared brewing facilities. It’s important to disclose these operations upfront so coverage can be structured properly.
  • Is workers' compensation required for brewery employees in NY?
    Yes. New York law mandates workers’ compensation for all employees, including production staff, bartenders, servers, and delivery drivers. We offer access to safety groups with premium discounts and potential dividends.
  • Do I need EPLI if I have a small team?
    If you have employees, even just a few, Employment Practices Liability Insurance (EPLI) can protect your business from costly claims of discrimination, harassment, or wrongful termination.
  • Is Professional Liability (E&O) coverage only for consultants?
    No. Any business that gives advice, technical services, or design work — such as contractors, architects, accountants, or IT firms — may need E&O coverage to defend against client lawsuits.
  • Do I need Workers’ Comp if I only have part-time or seasonal staff?
    Yes. New York State law requires Workers’ Compensation Insurance for all employees, including part-time, seasonal, and temporary workers.
  • How does Cyber Liability Insurance help small businesses?
    It pays for costs related to data breaches, ransomware, or stolen customer information — including notification expenses, legal fees, and lost income.
  • Why choose LIrisk over a national broker or direct carrier?
    We’re a Long Island-based brokerage that understands New York’s laws, audits, and licensing requirements. You’ll get personalized guidance, no broker fees, and access to A-rated carriers and safety group programs tailored to your industry.
  • What types of insurance does my New York business legally need?
    Most businesses in NY are required to carry Workers’ Compensation Insurance and Disability Benefits (DBL/PFL) if they have employees. Many leases and contracts also require General Liability and Commercial Property coverage.
  • What does Commercial Property Insurance cover?
    It protects your building, equipment, inventory, and furnishings from losses like fire, theft, vandalism, and water damage — and may include business income if you’re forced to temporarily close.
  • What’s the difference between General Liability and a Business Owners Policy (BOP)?
    General Liability covers lawsuits for bodily injury and property damage. A BOP bundles that coverage with Property Insurance and Business Interruption, making it ideal for small businesses that need broader protection.
  • How fast can I get a certificate of insurance?
    In most cases, we can provide same-day certificates for licensing, permits, leases, and contracts — especially for core policies like General Liability or Workers’ Comp.
  • Can I bundle my business insurance policies for a discount?
    Yes. At LIrisk, we offer multi-policy discounts when you bundle coverage like General Liability, Workers’ Comp, Property, and Umbrella Insurance.
  • Do I need a medical exam to get life insurance?
    Some policies require a brief medical exam, but many term life plans now offer no-exam options for qualifying applicants — especially younger, healthy individuals.
  • What if I outlive my term life policy?
    If you outlive the term, the policy ends. Some term policies offer renewal or conversion options that allow you to continue coverage or convert to permanent insurance before the term expires.
  • Is life insurance taxable to my beneficiaries?
    No. The life insurance death benefit is generally paid tax-free to your named beneficiaries, helping them manage final expenses, debt, and everyday living costs.
  • What is term life insurance?
    Term life insurance provides coverage for a set period — typically 10, 15, 20, or 30 years. If the insured passes away during that term, a tax-free death benefit is paid to the beneficiary. It’s the most affordable way to protect your family during key life stages.
  • How much life insurance do I need?
    A common rule is 10–15 times your annual income, but the right amount depends on your family’s living expenses, debts, mortgage balance, and future needs like college tuition. We’ll help calculate the right coverage for your goals.
  • How is whole life insurance different from term life?
    Whole life insurance lasts for your entire lifetime (as long as premiums are paid) and includes a cash value component that grows over time. It costs more than term life but may offer long-term financial planning benefits.
  • How quickly can I get life insurance through LIrisk?
    In many cases, you can get approved within 24–72 hours — especially for no-exam term life policies. We offer fast, digital applications with support from our licensed Long Island-based agents.
  • Can I name anyone as a beneficiary?
    Yes. Most people name their spouse, children, or other family members, but you can name any individual, trust, or business as your beneficiary.
  • How much does life insurance cost on Long Island?
    Term life insurance is very affordable, especially for younger applicants. Healthy individuals in their 30s can often get $500,000 in coverage for under $25/month. Premiums vary based on age, health, term length, and coverage amount.
  • Can I get life insurance if I have health conditions?
    Yes, many people with controlled conditions like high blood pressure, diabetes, or asthma can still qualify. We work with multiple carriers to match you with the most favorable underwriting.
  • How much does landlord insurance cost in Suffolk or Nassau County?
    Premiums vary based on location, property age, coverage limits, and occupancy type. Most Long Island landlord policies range from $1,500 to $4,000 annually. We’ll help you find the most affordable option with the right protection.
  • Does landlord insurance cover tenant-caused damage?
    Most standard landlord insurance policies cover accidental damage caused by tenants but not intentional acts or normal wear and tear. Optional endorsements may be available to broaden this coverage.
  • Can I get insurance if my rental property is vacant?
    Yes, but vacant properties carry higher risk and may require a specialized vacant dwelling policy or endorsement. Let us know if your property is between tenants or undergoing renovations.
  • Is landlord insurance required in New York?
    While not legally required, landlord insurance is usually mandatory if you have a mortgage on your rental property. It also protects you from legal and financial risks that could arise from tenant claims or property damage.
  • Does my landlord policy cover flood damage?
    No, flood insurance is not included in standard landlord insurance. However, we offer flood coverage separately through FEMA or private markets for properties in flood-prone areas of Long Island.
  • What is “Loss of Rental Income” coverage?
    This coverage reimburses you for lost rental income if your property becomes uninhabitable due to a covered event like a fire, storm, or water damage, ensuring your cash flow isn't interrupted during repairs.
  • What is landlord insurance and how is it different from homeowners insurance?
    Landlord insurance covers properties that are rented out to tenants. Unlike homeowners insurance, it typically excludes coverage for the tenant’s personal property and focuses instead on the structure, loss of rental income, and landlord liability risks.
  • What types of properties are eligible for landlord insurance with LIrisk?
    We insure single-family homes, duplexes, 2–4 family buildings, condos, townhomes, seasonal dwellings, and even short-term rentals like Airbnb or Vrbo — as long as you’re not occupying the home full-time.
  • How do I get proof of insurance for my lender or lease agreement?
    We provide fast certificates of insurance (COIs) upon binding coverage. If you're closing on a property or need to show insurance to a property manager or tenant, we’ll get it to you quickly.
  • Do I need comprehensive and collision coverage if my car is paid off?
    While not required by law, comprehensive and collision coverage protect your investment. If your car is newer or valuable, keeping these coverages can prevent out-of-pocket repair or replacement costs after an incident.
  • How can I lower my auto insurance premiums?
    Common ways to save include bundling your home and auto insurance, completing a defensive driving course, maintaining a clean driving record, and opting for higher deductibles.
  • Does my auto insurance cover other drivers using my vehicle?
    Yes, in most cases your policy extends to anyone you permit to drive your car. However, your policy is typically primary — meaning your insurance pays first in the event of an accident.
  • What auto insurance is required by law in New York?
    New York requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, $10,000 for property damage, $50,000 in Personal Injury Protection (PIP), and uninsured motorist coverage of $25,000/$50,000 for bodily injury.
  • What factors affect my auto insurance rate?
    Rates are based on your driving record, location, age, vehicle type, annual mileage, credit history, prior insurance coverage, and selected deductibles and limits.
  • Will my auto insurance cover a rental car?
    It depends on your policy. Many insurers offer rental car reimbursement as an optional add-on, which pays for a rental vehicle while your car is in the shop after a covered claim.
  • Can I get car insurance if I’ve had accidents or tickets?
    Yes. LIrisk works with multiple carriers, including those that specialize in high-risk drivers. We help you find affordable options even with a less-than-perfect driving record.
  • Can I get a discount for low mileage or safe driving?
    Yes! Many carriers offer low mileage discounts and usage-based programs that track safe driving habits. At LIrisk, we’ll help you explore these options and apply every available discount.
  • What is Personal Injury Protection (PIP) and why is it required?
    PIP is no-fault coverage that pays for medical expenses, lost wages, and certain other costs after an accident — regardless of who caused it. It’s mandatory in New York and provides quick financial support following an injury.
  • What’s the difference between liability, collision, and comprehensive coverage?
    Liability covers damage or injuries you cause to others. Collision pays for damage to your vehicle after a crash, and comprehensive covers non-collision losses like theft, vandalism, and weather-related damage.
  • What’s the difference between NFIP and private flood insurance?
    NFIP (FEMA-backed) flood insurance is standardized and widely accepted by lenders. Private flood policies may offer higher limits, shorter waiting periods, and replacement cost coverage — often at a more competitive price.
  • Can I buy flood insurance for a commercial property?
    Yes. Commercial flood insurance is available for buildings like retail stores, apartment buildings, offices, and warehouses. These policies can be written through NFIP (up to $500,000 building / $500,000 contents) or private carriers for higher limits.
  • What does flood insurance cover for homes?
    Flood insurance covers damage to your building (foundation, walls, electrical systems) and personal belongings (furniture, appliances, clothing) caused by water from rising groundwaters, tidal surges, or heavy rain runoff.
  • Do I need flood insurance for a rental property or Airbnb?
    Yes, you can (and should) insure rental and investment properties for flood damage. Whether it’s a single-family rental or a short-term vacation listing, flood insurance helps protect your structure, furnishings, and lost rental income due to a covered flood event.
  • Can flood insurance cover business interruption or loss of rental income?
    NFIP policies do not cover lost income. However, many private flood insurers offer optional business interruption or loss of rental income coverage for both residential and commercial properties. LIrisk can help you find a policy that includes these features.
  • Is there a waiting period before flood insurance becomes active?
    Yes. Most NFIP policies have a 30-day waiting period, unless required for a loan or purchase. Private flood markets may offer shorter waiting periods, including immediate coverage in some cases.
  • What is an elevation certificate, and do I need one?
    An elevation certificate is a FEMA document that shows your home’s elevation compared to the base flood level. It’s often required for NFIP policies in high-risk areas and may lower your premium by proving your home is elevated above flood levels.
  • Does homeowners insurance cover flood damage?
    No. Standard homeowners policies do not cover damage caused by flooding. You need a separate flood insurance policy — either from the National Flood Insurance Program (NFIP) or a private market carrier.
  • How much flood insurance do I need?
    The amount of flood insurance you need depends on your home’s replacement value, contents, and lender requirements. NFIP policies cap at $250,000 for building coverage and $100,000 for contents — but excess flood coverage is available for higher-value properties.
  • Is flood insurance required in New York?
    Flood insurance is required by mortgage lenders if your property is located in a Special Flood Hazard Area (SFHA) — typically near the coast or in high-risk zones identified by FEMA. Even outside these zones, many homeowners choose flood coverage for added protection.
  • Can you help me find insurance if I live near the water?
    Yes. As an independent brokerage, LIrisk partners with carriers that are still writing new policies in coastal Suffolk and Nassau ZIP codes, even where other insurers have restricted business.
  • What discounts are available for Long Island homeowners?
    You may qualify for discounts if you have: A new roof A central alarm or sprinkler system Claims-free history Gated community access Recent renovations Bundled home & auto coverage
  • Can I bundle my home and auto insurance for a discount?
    Absolutely. Home and auto bundles often provide up to 20% in savings. We’ll quote you with multiple carriers to find the best bundled price and protection.
  • Do I need homeowners insurance if my mortgage is paid off?
    Technically no, but it’s highly recommended. Without insurance, you’d be fully responsible for repair costs, liability claims, or rebuilding your home after a fire or storm.
  • How much homeowners insurance do I need?
    You should insure your home to its full replacement cost, which is the amount needed to rebuild it — not market value. We help determine accurate rebuild values using up-to-date construction data for Long Island homes.
  • Do you offer coverage for vacation or second homes on Long Island?
    Yes. We offer policies for seasonal, secondary, and coastal properties, with coverage for the structure, contents, liability, and optional flood or windstorm protection.
  • What does homeowners insurance cover in Suffolk and Nassau County?
    Homeowners insurance typically covers your home’s structure (dwelling), personal property, liability, and loss of use if your home becomes uninhabitable due to a covered loss like fire, theft, or storm damage. Optional add-ons include flood insurance, water backup, and scheduled jewelry coverage.
  • What’s the difference between actual cash value and replacement cost?
    Actual cash value subtracts depreciation from claims payouts, while replacement cost pays the full cost to replace damaged items or rebuild your home without a deduction for age or wear.
  • Is flood insurance included in a standard homeowners policy?
    No. Flood insurance is not included and must be purchased separately through the National Flood Insurance Program (NFIP) or a private carrier. Many homes in coastal Long Island towns require flood coverage due to elevation or proximity to water.
  • What classification codes apply to landscaping workers in NY?
    Common Workers’ Comp class codes include 0042 (Landscape Gardening), 9102 (Lawn Care), 0035 (Tree Trimming), and 9402 (Snow Removal). Using the correct codes is essential for premium accuracy and audit protection.
  • Can I get Workers’ Comp discounts through LIrisk?
    Yes. Our landscaping clients may qualify for up to 35% upfront premium discounts and dividend payouts of 25–30% through specialized New York safety group programs.
  • Do I need different coverage for snow plowing in the winter?
    Yes. Snow & ice removal introduces unique liability exposures and is often excluded from standard landscaping policies. We provide snow operations coverage with the proper classifications and endorsements.
  • Are subcontractors covered under my insurance policy?
    No — subcontractors need their own coverage. However, we help you manage certificates of insurance (COIs), track compliance, and structure risk transfer agreements to protect your business.
  • How quickly can I get a certificate of insurance (COI)?
    In most cases, we issue same-day COIs to meet project deadlines, landlord requirements, or municipal licensing needs. Fast service is part of our local support promise.
  • Can I insure my trailers, mowers, and tools?
    Absolutely. Inland Marine coverage protects your equipment in transit, on job sites, or stored overnight. We tailor coverage for riding mowers, trimmers, spreaders, plows, and more.
  • What types of insurance do landscaping contractors need in New York?
    Most landscaping businesses need General Liability, Commercial Auto, Inland Marine (tools & equipment), Workers’ Compensation, and Umbrella coverage. Snow removal, tree work, and chemical applications may also require specialized endorsements.
  • Does general liability cover pesticide or herbicide spraying?
    Standard GL policies may exclude this. We offer limited pollution coverage and pesticide/herbicide applicator endorsements to ensure compliance and proper protection.
  • Is liquor liability insurance required in NYC?
    While not legally required, most landlords, the NY State Liquor Authority (SLA), and event hosts mandate liquor liability coverage as part of your lease or SLA approval process.
  • Can I get Workers’ Compensation discounts through LIrisk?
    Yes. We offer access to NY-based safety groups that may reduce your Workers’ Comp premiums by 25% or more, along with audit support and proper classification guidance.
  • What’s the difference between general liability and liquor liability?
    General liability covers injuries and property damage not caused by alcohol service. Liquor liability specifically protects your business from incidents involving intoxicated patrons, such as fights or third-party injuries.
  • What’s included in property coverage for bars and taverns?
    Property insurance can cover bar equipment, refrigeration, POS systems, seating, signage, improvements, and even spoilage from power outages — depending on your policy.
  • How much does bar insurance cost in NYC or Long Island?
    Premiums vary based on location, liquor sales, operating hours, staff size, and security measures. Most bar policies start around $3,000–$6,000 annually, but we’ll tailor coverage to your budget.
  • What insurance does a bar or tavern need in New York?
    Most require general liability, liquor liability, workers’ compensation, and commercial property insurance. You may also need assault & battery or business interruption coverage.
  • What types of insurance does a bar or tavern need in New York?
    Most bars and taverns need General Liability, Liquor Liability, Property Insurance, and Workers’ Compensation. Depending on your operations, Assault & Battery, Business Income, and Cyber Liability may also be essential.
  • Can LIrisk help with insurance certificates for my SLA license or landlord?
    Absolutely. We provide fast, accurate Certificates of Insurance (COIs) to help you meet SLA requirements, lease obligations, and vendor agreements.
  • Do I need special coverage if I have live entertainment or a DJ?
    Yes, venues with live music, DJs, or events should consider optional coverages like Event Liability and Assault & Battery to cover increased risk and crowd exposure.
  • Is liquor liability insurance required in New York?
    While not legally required, liquor liability is strongly recommended — and often mandated by landlords or event organizers — to protect your business from alcohol-related claims.
  • What industries does LIrisk specialize in?
    We specialize in insuring: Contractors & Tradespeople Retail & Service Businesses Offices & Professionals Auto Service & Sales Food Service & Hospitality We tailor coverage to your operation, size, and local compliance requirements.
  • What is the difference between General Liability and a BOP?
    A Business Owners Policy (BOP) bundles General Liability with Commercial Property Insurance and Business Interruption coverage. It’s a more comprehensive solution for businesses that need to protect both their liability and physical assets.
  • What types of insurance does my New York business need?
    Most businesses in New York should carry at least: General Liability Insurance for customer injury and property damage Workers’ Compensation if you have employees Commercial Property or a BOP if you rent or own a location Additional coverages like DBL/PFL, Cyber, or Professional Liability may be required depending on your industry.
  • Are these policies required by law in New York?
    Yes — some coverages are mandatory: Workers' Compensation is required if you have employees DBL/PFL is required for most private-sector employers Other policies like General Liability or Commercial Auto may be required by landlords, licensing authorities, or contracts.
  • Can LIrisk provide same-day insurance certificates?
    Yes! We offer same-day COIs (Certificates of Insurance) for most policies — including General Liability, Workers’ Comp, DBL/PFL, and BOP — perfect for contracts, permits, and lease signings.
  • Do you work with NY safety groups or A-rated carriers?
    Absolutely. We place clients into NY Workers’ Comp safety groups when eligible and work only with A-rated insurance carriers to ensure financial strength and long-term protection.
  • How do I get started with LIrisk?
    Click any “Get a Quote” button on our product pages or submit a free insurance review request. We’ll match your business with the right coverage — quickly, affordably, and with no broker fees.
  • Do out-of-state businesses need DBL/PFL if they have NY employees?
    Yes. If you employ anyone who works in New York State, you must provide DBL/PFL coverage — regardless of your business headquarters.
  • Is DBL required for all New York businesses?
    Yes. New York’s Disability Benefits Law (DBL) requires all private-sector employers with at least one employee to carry DBL coverage, even if that employee is part-time or seasonal.
  • Can I buy PFL coverage without DBL?
    No. In New York, PFL must be added as a rider to an active DBL policy. You cannot purchase it separately.
  • Who pays for DBL and PFL coverage?
    DBL premiums are typically paid by the employer (though a small employee contribution may be allowed). PFL is funded entirely by employee payroll deductions, based on a percentage set by New York State.
  • How much time off does PFL provide?
    Employees may take up to 12 weeks per year of Paid Family Leave for: Bonding with a new child Caring for a seriously ill family member Assisting during a family member’s military deployment
  • What’s the difference between DBL and Workers’ Compensation?
    DBL covers non-work-related injuries and illnesses, while Workers’ Compensation covers injuries that occur on the job. Both are mandatory for NY employers but serve different purposes.
  • What is the current DBL benefit amount?
    As of 2025, DBL pays 50% of the employee’s average weekly wage, up to $170 per week, for up to 26 weeks per disability.
  • How do I get proof of coverage for DBL or PFL?
    Once your policy is bound, we’ll issue a DB-120.1 certificate — the official proof of New York State disability and PFL insurance. This is often required for public contracts, leases, and licenses.
  • Does property insurance cover flood or hurricane damage?
    Standard Commercial Property policies do not cover flood or storm surge. For coastal businesses in Suffolk, Nassau, or NYC, you may need to purchase separate flood or windstorm coverage — we can help you evaluate your exposure.
  • How much does Commercial Property Insurance cost in NYC or Long Island?
    Premiums vary based on location, building value, construction type, occupancy, and security features. In NYC, costs are typically higher due to property values, storm risk, and higher crime rates. Quotes can range from $500 to $10,000 annually depending on the risk.
  • What does Commercial Property Insurance cover?
    It covers your business’s physical assets — such as buildings, inventory, furniture, and equipment — from losses due to fire, theft, vandalism, wind, or water damage. Optional coverage can include business interruption and equipment breakdown.
  • Does Commercial Property Insurance cover rented or leased spaces?
    Yes. If you lease your business location, your policy can cover tenant improvements, buildouts, and your business personal property inside the space — even if you don’t own the building.
  • What’s the difference between replacement cost and actual cash value?
    Replacement cost pays to rebuild or replace property without depreciation. Actual cash value subtracts depreciation, which may result in lower payouts. We typically recommend replacement cost for most New York businesses.
  • Can I combine Property Insurance with other coverages?
    Absolutely. Many clients bundle property with General Liability, Business Interruption, and Workers’ Comp in a BOP (Business Owners Policy) or multi-line commercial package — saving money and simplifying coverage.
  • Will I need a property inspection or photos for coverage?
    In many cases, yes — especially for buildings over a certain value, coastal properties, or high-risk occupancies like restaurants or auto shops. Our team will guide you through what's needed for approval.
  • Is Commercial Property Insurance required by law in New York?
    It’s not legally required, but most landlords, lenders, and lease agreements require it. If you own or lease a space, you’ll likely need proof of property insurance to operate or secure funding.
  • What does EPLI cover?
    EPLI (Employment Practices Liability Insurance) covers legal costs, settlements, and judgments arising from claims such as wrongful termination, discrimination, sexual harassment, retaliation, and failure to hire or promote. Coverage often applies whether the claim is from a current employee, a former worker, or a job applicant.
  • How much does EPLI cost in New York?
    Premiums vary depending on your business size, employee count, industry, and claims history. For a small business in NY, typical EPLI rates range from $750 to $5,000 annually — and higher for riskier industries or firms with 20 employees.
  • Is EPLI included in my General Liability policy?
    No — EPLI is typically excluded from a General Liability or Business Owners Policy. It must be added separately as a standalone policy or an endorsement. Without EPLI, you are exposed to employment-related lawsuits.
  • What can I do to reduce the cost of EPLI?
    Implementing strong HR practices — like having an employee handbook, documenting all disciplinary actions, and conducting harassment prevention training — can reduce your EPLI risk and lower premiums. Working with a broker like LIrisk can also help you find affordable, tailored coverage.
  • Does my business really need EPLI if I only have a few employees?
    Yes. Small businesses are actually more vulnerable, since they often lack formal HR policies and procedures. A single employee can file a claim, and defense costs alone can be tens of thousands of dollars — even if you did nothing wrong.
  • Does EPLI cover wage and hour disputes?
    Most EPLI policies exclude wage and hour claims (such as unpaid overtime), but some offer limited defense cost coverage as an optional add-on. This is especially relevant in New York due to strict labor laws.
  • What are common EPLI claims?
    The most common claims include: Wrongful termination Sexual harassment Age, race, or gender discrimination Retaliation after a complaint Failure to promote or hire
  • Will EPLI cover independent contractors or third parties?
    Many EPLI policies can be endorsed to include coverage for claims involving independent contractors or third parties (like customers or vendors). Be sure to review your specific policy terms with an agent.
  • How can I lower my workers' comp costs for my mechanics and staff?
    Our workers’ comp programs offer premium discounts, audit support, and potential 30% dividends through NY safety groups.
  • Can LIrisk help me with Labor Law 240/241 protection?
    Yes. We specialize in helping contractors navigate Labor Law 240(1) and 241(6), which impose strict liability for jobsite injuries involving gravity-related risks. Our program includes access to carriers with strong defense experience, contractual risk transfer tools, and subcontractor compliance support to help reduce your exposure.
  • Can I insure my used car inventory while it’s parked on the lot?
    Dealers open lot coverage protects vehicle inventory from theft, vandalism, weather, and collision while parked on your premises.
  • Do I need special coverage for the lifts and diagnostic tools in my garage?
    Yes, equipment breakdown insurance protects shop tools and machinery from electrical or mechanical failure.
  • What insurance covers customer cars while they’re in my shop for repairs?
    Garagekeepers coverage protects customer vehicles in your care, custody, or control from damage due to fire, theft, vandalism, or collision.
  • What is risk transfer, and why is it important for GCs?
    Risk transfer is the process of protecting your business from losses caused by subcontractors or third parties. We provide contract language reviews, certificate tracking, and endorsement verification to help you meet industry standards for indemnification, additional insureds, and waiver of subrogation — all essential under NY Labor Law.
  • Do I need EPLI if I only have a few employees?
    Yes, even small shops should consider EPLI to protect against claims of discrimination, harassment, or wrongful termination.
  • What insurance is required for general contractors in New York?
    Most general contractors in NYC, Nassau, and Suffolk are required to carry General Liability and Workers’ Compensation at a minimum. Depending on the project, you may also need Umbrella/Excess Liability, Business Auto, and endorsements such as Primary & Non-Contributory wording and a Waiver of Subrogation. Public and DOB/DOT-regulated projects often have stricter requirements.
  • Are workers’ comp discounts or dividends available for general contractors?
    Yes. We offer access to NYSIF Safety Groups specifically for construction trades. These programs provide up to 25% upfront premium discounts and annual dividends averaging 25–30%. We also help with classification accuracy, audit preparation, and loss run reviews to keep your premiums under control.
  • Can I get coverage if I’m a solo electrician without employees?
    Yes. We offer insurance packages for owner-only operations, including General Liability with or without Workers’ Comp. If you don't carry payroll, we can write GL policies using gross receipts and classify WC as “If Any” payroll — helping you stay compliant without overpaying.
  • What class codes apply to electrical contractors in New York?
    For Workers’ Compensation, common class codes include: 5190 – Electrical Wiring Within Buildings 5191 – Alarm & Low Voltage Wiring 3724 – Electrical Apparatus Installation 3737 – Electrical Equipment Repair 7536 – Cable/Conduit Installation & Drivers For General Liability, the most used ISO codes are: 92476 – Electrical Work – Outside 92478 – Electrical Work – Inside 92477 – Alarm or Signal Installation We help ensure you’re classified correctly to avoid audit issues and misrating.
  • How do I manage subcontractor insurance requirements?
    Our team provides subcontractor certificate tracking and risk transfer tools at no additional cost. We’ll help you enforce contract language, verify COIs, and reduce your exposure under NY Labor Law 240/241. This helps protect you if a subcontractor causes a jobsite injury or fails to carry proper coverage.
  • What insurance do I need to work as an electrical contractor in New York?
    In New York, most licensed electrical contractors need at least General Liability and Workers’ Compensation coverage to meet jobsite, licensing, and lease requirements. Many NYC public jobs and utility contracts also require Umbrella/Excess Liability, Business Auto, and proof of Waiver of Subrogation and Primary & Non-Contributory endorsements.
  • What insurance is required to use dealer plates in New York?
    Dealer plate coverage provides liability and physical damage protection when using dealer plates for test drives or transport.
  • What if a customer slips and falls in my waiting area?
    General liability insurance covers third-party bodily injury claims, including medical costs and potential legal expenses.
  • What if a customer slips and falls in my store?
    General Liability insurance covers third-party injuries and property damage — including slip-and-fall accidents, customer claims, or legal defense costs if you're sued for negligence.
  • What kind of protection is available if I have to shut down temporarily?
    Business Income coverage replaces lost income and helps cover ongoing expenses like rent and payroll if your deli must close due to a covered loss — such as a kitchen fire, equipment breakdown, or storm damage.
  • Can I get a certificate of insurance for my landlord or food vendors?
    Absolutely. We provide fast COIs to meet the requirements of landlords, health departments, event venues, and food distributors — often within the same day you request them.
  • What if a fire damages my slicers, ovens, or walk-in refrigerators?
    Our property coverage protects the physical contents of your deli — including kitchen equipment, refrigeration units, counters, displays, and signage — against fire, theft, and vandalism.
  • I send out catering and deliveries. What if an accident happens on the road?
    If you or your employees use personal or business vehicles for deliveries, catering, or pickups, Business Auto coverage can protect you against accidents, property damage, and liability claims — even if you don’t own a company vehicle.
  • Can I get coverage for food spoilage after a power outage?
    Yes. We offer optional Spoilage and Utility Interruption coverage that reimburses you for perishable inventory lost due to temperature changes, power failures, or equipment malfunction.
  • What happens if my grill or refrigerator breaks down unexpectedly?
    Equipment Breakdown coverage helps pay for repairs or replacements if a critical appliance — like a slicer, fryer, or walk-in fridge — fails due to a mechanical or electrical issue. This protection helps minimize downtime and prevent inventory loss.
  • Do I need Workers’ Compensation if I only have a few employees?
    Yes. In New York, Workers’ Compensation is required for any business with employees. It covers on-the-job injuries like burns, cuts, or lifting strains. Our plans may qualify you for premium discounts and annual dividends.
  • What does Property Damage insurance cover for solar arrays?
    Property Damage coverage pays to repair or replace your solar panels, inverters, wiring, racking systems, battery storage, transformers, and monitoring equipment if they're damaged by fire, storm, theft, vandalism, or other covered events. We insure these at full replacement cost to help you recover quickly without depreciation.
  • Are theft and vandalism included?
    Yes. Our policy covers theft of copper wiring, solar modules, batteries, or other high-value parts — as well as intentional damage caused by vandalism. This helps protect your investment and avoid unexpected out-of-pocket repair costs.
  • How does Business Interruption coverage help my solar project?
    If your system is temporarily offline due to a covered loss (like fire, equipment failure, or natural disaster), Business Interruption coverage reimburses your lost revenue. This is critical for projects with power purchase agreements (PPAs), leases, or other income-generating arrangements.
  • What happens if there’s damage and I need to clean up and restore the site?
    The Debris Removal & Site Restoration coverage pays for cleanup, disposal of damaged components, and repairs to affected land, roofing, or building surfaces. This helps get your site back online safely and efficiently.
  • Can I get coverage if a utility grid outage stops my system from generating income?
    Yes. Contingent Business Interruption covers income loss caused by events outside your direct control — such as grid failures or vendor disruptions. This ensures your cash flow remains protected even when your site isn’t physically damaged.
  • What is Replacement Power coverage?
    Replacement Power is an optional add-on that pays for electricity purchased from the grid or another source if your system is down. This allows you to meet energy delivery commitments under a PPA or lease agreement and avoid penalties during system outages.
  • What if an inverter or transformer fails, but there’s no weather or vandalism involved?
    That’s where Equipment Breakdown coverage applies. It protects against sudden mechanical or electrical failures — like inverter burnout, transformer short circuits, or monitoring system malfunctions — even when the cause isn’t a covered property peril.
  • Are natural disasters like wind or hail included in coverage?
    Yes. Natural Catastrophe (NAT CAT) protection is available. This includes coverage for Named Storms, Hail, Wind, Flood, and Earthquake — key protections for rooftop and ground-mounted systems.
  • Does the policy cover solar equipment in transit or in storage before installation?
    We offer optional Transit & Offsite Storage coverage that protects solar components while being transported to your site or temporarily stored before setup. It’s ideal for developers and EPCs managing multiple installations.
  • Our staff uses hot grills and sharp tools daily. How can we protect them?
    Workers’ Compensation is required in NY and helps cover employee injuries such as burns, cuts, or repetitive strain. It also includes access to safety group discounts and claim support.
  • What if a customer slips and falls or claims they got sick from our food?
    General Liability coverage protects against injuries and food-related claims — including slip-and-falls, allergic reactions, and foodborne illness.
  • What happens if a kitchen fire damages our equipment or forces us to close temporarily?
    Property coverage pays for repairs or replacement of your kitchen equipment, while Business Income coverage helps replace lost revenue during closure.
  • Can I protect against a lawsuit from a disgruntled employee or a data breach from our POS system?
    Yes. We offer Employment Practices Liability (EPLI) for staff-related claims and Cyber Liability to protect your customer data and digital payment systems.
  • We serve alcohol at our bar — do we need special insurance?
    Yes. Liquor Liability coverage is essential if you serve beer, wine, or spirits. It protects you from claims involving intoxicated customers or alcohol-related incidents.
  • Do you help with the insurance certificate our landlord and liquor authority require?
    Absolutely. We issue fast, customized COIs that meet the insurance requirements of landlords, food vendors, and the State Liquor Authority.
  • We do catering and use our van for deliveries — are those covered?
    Commercial Auto insurance protects company-owned catering vans or delivery vehicles — and we can also include non-owned auto coverage for employee vehicles used for work.
  • What if we lose power and all of our refrigerated inventory spoils?
    We can include Spoilage and Utility Interruption coverage to help pay for lost inventory and operational expenses caused by outages or equipment failure.
  • What happens if our refrigerator fails overnight and we lose trays of cakes and perishable goods?
    Spoilage and Equipment Breakdown coverage can help replace the cost of ruined inventory due to refrigeration failure, power outage, or mechanical issues.
  • How can we protect our ovens, mixers, and sheeters from breakdowns or fire damage?
    Property coverage protects your equipment from fire, theft, or vandalism, while Equipment Breakdown handles repair costs from mechanical or electrical failure.
  • What type of insurance do I need to protect my staff who work with hot ovens and heavy trays?
    Workers’ Compensation is required in NY and protects your employees from injuries like burns, lifting strains, or slips — and helps you avoid fines.
  • What if a customer slips on the floor or has an allergic reaction from one of our baked goods?
    General Liability insurance protects your bakery against customer injuries and food-related claims, including allergic reactions and foodborne illness.
  • Will you help us meet the insurance requirements for our landlord or delivery platform?
    Absolutely. We’ll issue fast certificates of insurance with the necessary landlord or vendor wording to keep your bakery in compliance.
  • What if our bakery has to close for a few days after a fire or health department issue?
    Business Income coverage helps cover lost revenue and fixed expenses — such as rent and payroll — while your bakery is being repaired or reinspected.
  • Can we get coverage for pop-up events or farmers markets where we sell pastries off-site?
    Yes. We offer off-premises liability and inland marine coverage for events, expos, and temporary market booths — plus quick COIs for organizers.
  • We deliver custom cakes and pastries. Are we covered if something happens during transport?
    Yes. We can provide coverage for spoilage in transit, non-owned vehicle liability, and delivery mishaps that damage your baked goods or cause delays.
  • Can you help us get the insurance certificates we need for our lease or delivery partners?
    Absolutely. We provide fast COIs that include the coverages landlords, food vendors, or third-party delivery apps often require.
  • We do a lot of deliveries. Are my drivers and vehicles protected if there’s an accident?
    Business Auto coverage can protect your pizzeria's owned vehicles — and we can include hired and non-owned auto coverage for delivery drivers using their own cars.
  • What happens if our ovens or refrigerators break down and we can’t serve food?
    Equipment Breakdown insurance helps cover repairs or replacements for essential kitchen equipment, while Business Income coverage reimburses you for lost revenue during downtime.
  • What if a customer says they got sick from our food or has an allergic reaction?
    Your General Liability policy includes Product Liability coverage, which helps with claims involving contaminated or improperly labeled food.
  • What if a customer slips on a wet floor or trips over a chair in our dining area?
    General Liability insurance can cover injuries to customers on your premises — including slip-and-fall accidents, property damage, and related legal costs.
  • Do I need coverage if we serve beer or wine with our meals?
    Yes. If your pizzeria sells or serves alcohol, Liquor Liability coverage is essential. It protects you from claims related to intoxicated customers, including property damage or injury.
  • How can I protect my pizza ovens, walk-in fridges, and kitchen equipment from damage or loss?
    Property insurance can cover your kitchen, appliances, furniture, and inventory against risks like fire, theft, vandalism, and certain weather events.
  • Our employees handle hot ovens, sharp tools, and make deliveries — what if someone gets hurt?
    Workers’ Compensation is required for NY restaurants with employees. It covers medical costs, lost wages, and more for kitchen staff, clerks, and drivers.
  • We’re a small team, but what if one of our employees gets hurt on the job?
    Workers’ Compensation coverage is required in New York. It protects your business by covering medical costs and lost wages if an employee is injured while using tools, handling shipments, or working on repairs.
  • We store valuable inventory and use safes — how can we protect against burglary or fire?
    Property insurance protects your building, showcases, safes, and inventory from covered losses like fire, vandalism, and theft. We’ll tailor your policy based on your storage setup, alarm system, and value at risk.
  • What if a customer slips in my store or damages something during a visit?
    We recommend General Liability coverage to handle third-party injury or property damage claims — whether someone slips on a polished floor or knocks over a display case.
  • Our landlord and vendors are requesting insurance certificates quickly — can you help?
    Absolutely. We provide fast turnaround on certificates and can include all required endorsements, including proof of liability, property, workers’ comp, and coverage limits tailored to your lease terms.
  • What happens if someone’s ring or watch gets lost or damaged during cleaning or repair?
    Bailee’s Coverage protects you when customer property is in your care — including repairs, cleanings, appraisals, or temporary storage. This is essential for jewelers who offer repair or custom work.
  • What if our POS system is hacked or customer info is stolen?
    Cyber Liability insurance can help cover data breach response, legal costs, and recovery efforts if your payment system or customer records are compromised.
  • Can insurance help if our shop is forced to close due to a fire or disaster?
    Yes — Business Income coverage can replace lost revenue and help cover your ongoing expenses while the store is being restored after a covered property loss.
  • Do I need coverage if we deliver jewelry or transport it to a show or appraisal event?
    Yes — we can add in-transit protection for valuables being moved between locations, including while in vehicles or at temporary exhibitions. Business Auto and inland marine options are available.
  • I’m worried about theft and break-ins, especially after hours. What type of insurance helps with that?
    Property coverage can include protection against burglary, vandalism, and employee theft — helping you recover from inventory losses and damage to your storefront or equipment.
  • What happens if I’m forced to close temporarily due to fire, flooding, or storm damage?
    Business Income coverage helps replace lost revenue during a covered shutdown — so you can continue paying rent, utilities, and payroll while repairs are underway.
  • I have employees who help with stocking, deliveries, and the register. What happens if someone gets hurt at work?
    Workers’ Compensation insurance is required in NY and covers medical expenses and lost wages if an employee is injured on the job — from lifting injuries to falls or accidents during deliveries.
  • We occasionally host tastings and special events. Does this change my insurance needs?
    Yes. We can tailor your policy to cover exposures from in-store events, tastings, or extended hours — ensuring your liquor liability and general liability remain intact during these activities.
  • Do I need special insurance for selling alcohol, especially if something happens after a sale?
    Absolutely. Liquor Liability insurance is essential for alcohol retailers. It protects you from claims involving intoxicated customers, such as assault, drunk driving, or property damage.
  • I deliver orders to customers and wholesalers. Am I covered if there’s an accident during a delivery?
    Yes. Business Auto insurance covers vehicles used for deliveries, whether you use company-owned vans or employee-owned cars (with optional Hired & Non-Owned Auto coverage).
  • We store a lot of high-value inventory. What if there's a refrigeration failure or spoilage?
    Equipment Breakdown and Spoilage coverage can be added to your property policy to cover losses from failed coolers or power outages that affect your liquor inventory.
  • What if someone slips and falls inside my store or trips on the sidewalk outside?
    We recommend General Liability insurance to protect your business from bodily injury or property damage claims, including slip-and-fall accidents involving customers or delivery drivers.
  • Do I need professional liability as a furniture retailer?
    If your store offers design consultations, space planning, or custom orders, professional liability is recommended to protect against claims related to service errors or missed expectations.
  • Are Workers’ Compensation discounts available?
    Yes. We offer access to retail-based Workers' Comp programs with up to 25% upfront discounts, annual dividend opportunities, and full classification guidance.
  • Can I get insurance for multiple store locations?
    Yes. We can build a single policy or multi-location package that covers your showrooms, warehouses, and delivery fleet across NYC, Nassau, and Suffolk.
  • What if a customer is injured in my store?
    General Liability helps cover medical expenses, legal defense, and settlement costs if a customer slips, trips, or is otherwise injured on your premises.
  • What insurance does a furniture store need in New York?
    Most stores need General Liability, Property, Business Auto, and Workers’ Compensation. Additional coverage like Business Income, Cyber, and Professional Liability may also be important depending on services offered.
  • Does property insurance cover inventory and warehouse storage?
    Yes. Our policies cover furniture inventory, showrooms, storage warehouses, display racks, tools, and fixtures — protecting against theft, fire, water damage, and vandalism.
  • Is delivery coverage included?
    Yes. Our Business Auto coverage can protect company-owned trucks and extend to employee vehicles used for deliveries, including damage to third-party property during setup or transport.
  • What happens if I’m forced to temporarily close my store?
    Business Income coverage helps replace lost revenue during closures caused by covered events — like fire, flood, or storm damage — allowing you to keep up with rent, payroll, and fixed expenses.
  • What if a customer slips in my store?
    General Liability helps cover medical bills and legal costs if someone is injured in your store — such as tripping over a delivery bucket or slipping on a wet floor.
  • Is professional liability important for florists?
    Yes. If a wedding or event arrangement goes wrong — or if you miss a delivery deadline — professional liability can help cover claims tied to service errors or unmet client expectations.
  • How does business income insurance help my shop?
    If your flower shop is forced to close due to a covered event like a fire or power outage, business income coverage helps replace lost revenue until you're up and running again.
  • What insurance does a flower shop in New York need?
    Most florists need General Liability, Property, and Workers’ Compensation coverage. Depending on your operations, you may also need Business Auto, Professional Liability, or Business Income protection.
  • Can I insure event setups and off-site services?
    Yes. We can extend liability and property coverage to include off-site work, such as weddings, banquets, or hotel lobby installations.
  • Will property insurance cover my floral coolers and displays?
    Absolutely. Our property coverage can protect walk-in coolers, flower cases, displays, signage, and all shop equipment from fire, theft, vandalism, and other covered events.
  • Do I need insurance for flower deliveries using my personal vehicle?
    Yes. Business Auto coverage (including hired/non-owned auto) is essential if you or employees use personal vehicles for deliveries. Personal auto insurance won’t cover business use in most cases.
  • Do you offer quick certificates for venues or vendors?
    Yes. We issue same-day insurance certificates with venue-specific wording for events, vendor booths, and seasonal markets — helping you stay compliant and win more jobs.
  • Do you offer coverage for tobacco, vape, and lottery sales?
    Yes. We offer insurance for stores that sell tobacco, vaping products, and lottery tickets, as long as they meet underwriting guidelines. Let us know what you sell when quoting.
  • What insurance do I need to operate a convenience store in New York?
    Most C-stores need General Liability, Property, and Workers’ Compensation coverage. Depending on your operations, you may also need Liquor Liability, Product Liability, or Cyber Liability.
  • What happens if my store closes due to a fire or flood?
    Business income coverage helps replace lost revenue while your store is shut down due to a covered property loss, including fire, water damage, or extended power outages.
  • Is liquor liability required if I sell beer or wine?
    Yes. If your store sells any form of alcohol — including beer, wine, or spirits — liquor liability coverage is highly recommended and often required by landlords or local ordinances.
  • How does workers’ comp help a convenience store owner?
    It covers medical bills and lost wages if an employee is injured on the job — including slips, cuts, lifting accidents, or burns. It's required by law if you have any staff.
  • What does product liability cover in a convenience store?
    Product liability helps cover claims from customers who suffer illness or injury from items sold in your store, including packaged snacks, hot food, or expired products.
  • Can I insure my walk-in refrigerators and coolers?
    Yes. Our property coverage includes equipment like walk-ins, freezers, display cases, and even POS systems — protecting them from fire, power surge, theft, and more.
  • Can you help me with a certificate for my lease or supplier?
    Absolutely. We provide fast certificate turnaround with custom wording for landlords, wholesalers, or franchise partners — ensuring you meet compliance and contract requirements.
  • How much does liquor liability insurance cost in NYC?
    Premiums vary based on location, hours, entertainment (e.g., live music or dancing), and claims history. We shop top-rated carriers to find the most competitive rate for your specific risk profile.
  • What does liquor liability insurance cover?
    It protects your business from claims related to the sale or service of alcohol — including injuries, fights, or property damage caused by intoxicated patrons.
  • Do I need insurance if I don’t own the building?
    Yes. Even if you lease your space, you're responsible for protecting your business operations, staff, and equipment. Many landlords require you to carry specific liability limits and name them on your policy.
  • How much does bar insurance cost in New York?
    The cost of bar insurance depends on your location, size, liquor sales, hours of operation, and risk controls. Most NYC bars pay between $5,000–$20,000 annually for full coverage, including liquor liability and workers’ comp.
  • What is assault & battery coverage and do I need it?
    Assault & battery coverage protects your business from claims involving fights, physical altercations, or injuries caused by staff, bouncers, or intoxicated patrons. It’s strongly recommended for bars, especially those open late or with security staff.
  • Can I get insurance if my bar had prior claims?
    Yes. LIrisk works with specialty carriers that consider bars with prior losses. We’ll help you present a clean submission and include risk improvements to secure better pricing.
  • What is assault & battery coverage, and do I need it?
    This coverage helps pay for claims arising from physical altercations that occur on your premises — whether between guests or involving your staff. It’s often required for establishments open late or using bouncers.
  • Do you offer Workers’ Comp programs with discounts?
    Yes. We connect eligible bars and taverns to safety group programs offering up to 25% upfront savings, audit assistance, and potential annual dividends of 25% or more.
  • What insurance is required to operate a bar or tavern in New York?
    Most liquor-serving establishments need General Liability, Liquor Liability, and Workers’ Compensation to comply with lease agreements, licensing, and labor laws. Property and Umbrella coverage are also commonly required.
  • Is workers’ compensation required for bartenders and servers?
    Yes. New York law requires workers’ comp coverage for all employees, including bartenders, kitchen staff, and servers — even part-timers.
  • What types of businesses qualify for your program?
    We insure bars, pubs, cocktail lounges, wine bars, jazz clubs, sports bars, and similar nightlife venues that serve alcohol. We also help restaurants with late-night service and alcohol sales.
  • Can I get coverage for kitchen fires or refrigeration breakdowns?
    Yes. Our property coverage options can include protection for fire, equipment failure, walk-in cooler losses, and other causes of interruption or damage.
  • Can you help meet specific contract insurance requirements?
    Absolutely. We customize your policy to meet landlord, GC, or DOB requirements — including AI wording, per-project aggregate limits, and high umbrella coverage when needed.
  • What type of insurance is required for a home improvement license in New York?
    Most local building departments require General Liability and Workers’ Compensation coverage. Depending on your operations, Business Auto and Umbrella policies may also be necessary for permit or license approval.
  • What if I store tools or materials at a job site?
    We offer inland marine coverage (contractor’s equipment) that protects your tools, equipment, and building materials on-site, in transit, or in storage.
  • What is the difference between Handyperson and Home Improvement Contractor insurance?
    Handyperson policies are typically limited to smaller jobs with minimal exposure. Home Improvement Contractor coverage is built for larger or licensed renovation projects with proper endorsements and higher limits.
  • Can I get insured if I use subcontractors?
    Yes. We help licensed contractors manage subcontractor exposure through certificate tracking, hold harmless agreements, and endorsements like primary/non-contributory and waiver of subrogation.
  • What are common General Liability classifications for my type of work?
    Classifications include 91341 (Interior Carpentry), 94449 (Residential Remodeling – 3 Stories or Less), and 95650 (Handyperson). We ensure accurate classification to prevent audit issues.
  • Do you provide support with workers’ comp audits?
    Yes. We offer pre-audit reviews, mod analysis, and class code support — helping you avoid costly reclassifications and premium spikes.
  • How can I make sure my business is classified correctly for insurance?
    We review your operations and assign the proper class codes for both general liability and workers’ comp — helping avoid costly audit issues and ensuring fair premiums.
  • What insurance is required to operate a moving company in New York?
    New York movers typically need general liability, workers’ compensation, cargo liability, business auto, and warehouse coverage. Depending on your contracts, umbrella coverage and lost key protection may also be required.
  • How does business auto insurance work for movers?
    It covers your company-owned trucks and trailers against physical damage and liability claims. Optional endorsements can also protect tools and equipment in transit.
  • Can I get insurance coverage for goods stored at my facility?
    Absolutely. Warehouse legal liability coverage protects client property stored at your facility in case of fire, theft, water damage, or other covered losses.
  • Are there discounts available on workers’ comp for moving companies?
    Yes. Movers may qualify for a NYSIF Safety Group program offering up to 30% upfront discounts, annual dividends, and audit support.
  • Is cargo liability insurance mandatory for movers?
    Yes. If you're transporting household or commercial goods, cargo liability insurance is essential. It covers damage or loss to items while being loaded, transported, or unloaded.
  • Can you help with certificate requests for commercial or government clients?
    We provide same-day COIs with the exact limits, wording, and endorsements required by landlords, GCs, or public agencies — including umbrella limits and cargo protection.
  • Do you provide coverage for portable storage or mobile containers?
    Yes. We offer coverage for portable storage businesses, including protection for the containers, stored contents, liability during transport, and warehouse exposures.
  • Is professional liability required for armed and unarmed guards?
    Yes — especially if you provide executive protection, patrol services, or security consulting. This coverage helps defend against allegations of negligence, failure to act, or breach of professional duty.
  • What insurance does a security guard company need in New York?
    Security firms typically require general liability, workers’ compensation, professional liability, and business auto coverage. Depending on your contracts, you may also need assault & battery, lost key, or cyber liability protection.
  • What does assault & battery coverage protect against?
    It covers bodily injury or property damage resulting from the use of force during your security operations. This is especially important for high-risk settings like bars, events, or late-night patrols.
  • What happens if a guard loses a client’s master key or access card?
    Lost key coverage can reimburse the cost of rekeying locks or replacing access systems — a common requirement in commercial security contracts.
  • How quickly can I get a certificate of insurance for a new contract?
    In most cases, we provide same-day COIs. Our team is familiar with urgent RFP deadlines and client demands — we’ll get you what you need to move forward.
  • Can you help me meet contract-specific insurance requirements?
    Absolutely. Whether your contract is with a school, hospital, or government agency, we’ll tailor your policy to meet the required insurance limits and documentation.
  • Do security companies qualify for any workers’ comp discounts?
    Yes. Many licensed security firms are eligible for New York Safety Group programs that offer up to 30% upfront savings, plus potential annual dividends.
  • Can I insure patrol cars or vehicles used by my guards?
    Yes. Business auto coverage protects company-owned and rented vehicles used by your team. We can also include hired and non-owned vehicle liability if your staff uses personal cars for work.
  • How long does it take to get a certificate of insurance for a new project?
    In most cases, we can issue your COI the same day. We understand how important it is to meet tight project deadlines and contract requirements.
  • Can you help me meet utility or municipal insurance requirements?
    Yes. We work closely with solar contractors to ensure their insurance packages meet utility, NYSERDA, DOB, and local municipality standards — including specific liability limits and documentation turnaround.
  • What insurance do I need as a solar panel installation contractor in New York?
    Most solar contractors need general liability, workers’ comp, commercial auto, tools & equipment (inland marine), and pollution liability. If you’re involved in design, engineering, or system ownership, professional liability (E&O) is also essential.
  • What happens if a panel is damaged in transit or during installation?
    Panels and related equipment can be covered under an installation floater or inland marine policy. This protects materials from theft, damage, or loss before final handoff to the client.
  • Can you provide insurance for both rooftop and ground-mount systems?
    Yes. Our program supports all types of solar projects — from residential rooftops to utility-scale ground-mounted systems. We’ll tailor your coverage based on where and how you work.
  • Do I need workers’ comp if my installers are subcontractors?
    If you’re using subcontractors, you may still be liable unless they provide proof of their own workers’ comp. We’ll help you verify documentation and minimize your exposure during audits.
  • What class codes apply to solar installation work?
    The most common workers’ comp codes are 5538 (Sheet Metal Erection), 5190 (Electrical Wiring), and 3724 (Solar Installation). General liability codes vary by your specific services, and we’ll guide you through the correct ones.
  • Do I need E&O coverage if I don’t design the solar system?
    If you’re not involved in the design, you may not need full E&O coverage. However, many contracts still require it. We’ll review your scope of work and help determine the right level of protection.
  • Does my policy cover damage to a client’s property while we’re cleaning?
    Yes, general liability policies typically cover accidental damage to client property. We’ll help make sure your policy includes the right protections for the type of work you do.
  • Are janitorial tools and machines covered if they’re stolen from my van?
    Not automatically. Equipment like vacuums, extractors, and pressure washers are best covered under a tools & equipment (inland marine) policy that protects them on-site, in storage, or during transport.
  • What class code should I be listed under for workers’ comp?
    We’ll review your work mix — such as commercial, residential, window cleaning, or post-construction — and assign the correct classification like 9014, 9030, or 5610. Proper codes help reduce your audit risk and premium.
  • Do I need insurance if I only clean residential properties?
    Yes. Even if you focus solely on homes or apartments, you’re still exposed to risks like client injuries, property damage, or equipment theft. We offer affordable packages for residential cleaning businesses of all sizes.
  • What types of insurance are most important for janitorial businesses in New York?
    Most janitorial contractors need general liability, workers’ compensation, business auto, and tools & equipment coverage. Depending on your contracts, you may also need umbrella, cyber liability, and pollution protection.
  • How quickly can I get proof of insurance for a new cleaning contract?
    Often within 24 hours. If you're bidding on a job or need same-day proof for a contract, we can prioritize your request and get everything in place fast.
  • Do I need pollution liability for janitorial work?
    It depends. If you use or store industrial cleaning chemicals, disinfectants, or solvents, limited pollution coverage can help protect your business from unexpected claims. We can help you assess your exposure.
  • Can I get coverage if I use subcontractors or independent cleaners?
    Yes, but you’ll need to keep documentation for those workers. Subcontractor use can affect your pricing and audit, so we help you stay compliant and avoid surprises at renewal.
  • How do I know which workers’ comp class code applies to my work?
    We’ll review your job types — like boiler installs, drain cleaning, or piping work — and assign the proper WC class code. This ensures you’re not overpaying and helps avoid audit problems.
  • What happens if my subcontractors don’t have insurance?
    You may be charged additional premium during your audit, even if they’re 1099. We’ll help you document coverage, collect certificates, and explain how to stay compliant to avoid surprises.
  • What types of insurance do plumbing contractors typically need in New York?
    Most plumbers need general liability, workers’ compensation, business auto, inland marine for tools, commercial property, and umbrella coverage. Depending on your operations, pollution liability and cyber coverage may also be advisable.
  • Can you insure plumbing contractors who work on both commercial and residential projects?
    Yes. We tailor coverage based on your mix of work. Commercial plumbing jobs may carry higher limits or unique exposures, and we’ll make sure your policy reflects your operations accurately.
  • Do I need insurance if I’m a solo plumber without employees?
    Yes. Even if you’re working alone, general liability and workers’ comp (if required for licensing or job contracts) are essential. Solo operators can often qualify for affordable plans with low minimum premiums.
  • How fast can I get a quote or proof of insurance?
    In most cases, we can provide quotes within 24 hours. If you're bidding a job or need proof of insurance urgently, we’ll prioritize your request and work quickly to get you covered.
  • Do I need special insurance to work in hospitals, schools, or public buildings?
    Possibly. Public or institutional projects often require higher limits or specific contract wording. We’ll review the requirements and ensure your policies comply so you can work without delays.
  • Will my drain cleaning tools and equipment be covered in my van?
    Not by default. Tools and machines stored or transported in your van are best protected under an inland marine or tools & equipment policy. This covers losses due to theft, fire, or damage in transit.
  • What if I’ve had a lapse in coverage or a prior claim?
    We work with HVAC contractors who’ve had past issues. Our team will help you explain your history and match you with a carrier who can offer fair pricing and help you rebuild your insurance profile.
  • I work in both commercial and residential properties. Does that affect my coverage?
    Yes. The size, scope, and type of projects you take on can impact your policy pricing and eligibility. We’ll make sure your policy matches your operations — whether you're installing residential ductless units or maintaining commercial rooftop systems.
  • Can I get insurance if I’m a new HVAC contractor or recently got licensed?
    Yes. We work with HVAC contractors of all sizes — including startups and recently licensed businesses. As long as we have a clear understanding of your work scope, we can find options to get you insured and job-ready.
  • How long does it take to get a quote?
    We can typically provide quotes within 48 hours if we have your business details and payroll information. In urgent cases, we may be able to deliver same-day proof of coverage for job bids or licensing needs.
  • Are my HVAC tools and materials covered while driving to a job?
    Not under your auto policy alone. We recommend inland marine coverage, which protects tools, equipment, and HVAC materials while in transit, at the jobsite, or in temporary storage.
  • What class codes are used for HVAC contractors on workers' compensation policies?
    Typical WC codes include 5536 (HVAC systems installation), 5538 (sheet metal), 5193 (oil/gas burner service), and 3726 (boiler installation). Using the right code can help lower your premium and avoid audit problems.
  • Does workers’ comp apply if I hire 1099 techs or subs?
    Yes. If you hire subcontractors who are uninsured, you may still be responsible for covering them under your policy during audit. We’ll help you navigate how to report payroll or subcontractor costs accurately to avoid surprise charges.
  • What types of insurance does an HVAC contractor need in New York?
    Most HVAC contractors require general liability, workers’ compensation, business auto, inland marine (tools & equipment), property, and umbrella coverage. Depending on your operations, cyber liability and employment practices coverage may also be recommended.
  • Do I need commercial insurance if I’m a sole proprietor with no employees?
    Yes. Even solo contractors need general liability insurance to qualify for permits and protect against property damage or bodily injury claims. Many projects also require proof of coverage regardless of business size.
  • Can I get coverage if I do high-rise work or public projects in NYC?
    Yes. We work with carriers that offer coverage for high-exposure construction work, including high-rise, scaffolding, and municipal projects. These policies are designed to meet stricter jobsite and contract requirements found in NYC and public-sector work.
  • How do I know if I’m correctly classified for workers’ compensation?
    Correct classification depends on the type of work you or your crew perform. LIrisk helps contractors verify their class codes to avoid overpaying on premiums or facing issues during audits. We review your operations and match them with the appropriate NYSIF or WC rating code.
  • How fast can I get a quote and start coverage?
    In most cases, we can provide same-day quotes and proof of insurance, depending on how quickly we receive your business details. Once you’re ready, we’ll walk you through coverage options and make sure you’re fully protected and compliant.
  • What types of insurance does a general contractor in New York typically need?
    General contractors in NYC, Nassau, and Suffolk usually need general liability, workers’ compensation, commercial auto, property/equipment, umbrella/excess liability, and cyber liability. These coverages help meet licensing requirements and protect your business from jobsite risks and financial loss.
  • Does LIrisk offer insurance for contractors with past claims or lapses?
    We understand that some contractors have a claims history or a gap in coverage. We work with multiple carriers to find the best fit based on your experience, and we’ll help you improve your loss history over time with audit support and safety guidance.
  • Will my policy cover tools and materials in transit?
    Yes. We offer inland marine coverage that protects your tools, jobsite materials, and equipment while in transit or temporarily stored. This is especially important for contractors working multiple jobsites across NYC and Long Island.
  • What happens if I use subcontractors on my jobs?
    You remain responsible for ensuring that subcontractors have valid insurance and meet your business’s compliance standards. Even if you don’t have direct employees, you can be held liable for uninsured subcontractors. It’s important to collect valid insurance certificates from every sub.
  • What does Nassau County Department of Consumer Affairs require on my certificate?
    They usually require general liability with Nassau County listed as certificate holder and additional insured for licensing.
  • What is the CG 2012 endorsement used for?
    CG 20 12 adds cities, towns, or municipalities as additional insureds solely for permits or authorizations issued to the named insured.
  • How do I find out which department needs to be listed as additional insured?
    Refer to your licensing instructions or renewal packet, which typically includes specific wording and insurance requirements.
  • How can LIrisk help with managing additional insured requests?
    We provide all necessary endorsements — including CG 2010, CG 2037, CG 2038, CG 2040, blanket additional insureds, waiver of subrogation, and primary/non-contributory language. We issue same-day certificates and review your contracts to ensure full compliance with your job requirements.
  • What does Primary and Non-Contributory mean on a certificate of insurance?
    Primary and Non-Contributory wording means your policy will respond first to a claim before the additional insured’s own insurance, and your carrier won’t seek contribution. This clause is common on NY construction projects and must be shown explicitly on the certificate.
  • What are the insurance requirements for the NYC Department of Transportation (DOT)?
    The DOT typically requires being named as an additional insured and may request specific endorsements for street work permits.
  • Do you provide blanket additional insured endorsements?
    Yes. At LIrisk, we offer blanket AI endorsements that automatically extend additional insured status to any party you agree to in a written contract — saving time and eliminating the need for individual policy changes or endorsements for each job.
  • Is Suffolk County Department of Consumer Affairs required to be an additional insured?
    Yes, licensed contractors and home improvement businesses in Suffolk County must provide proof of insurance with the department listed.
  • What is a Waiver of Subrogation, and do I need it?
    A waiver of subrogation prevents your insurance company from seeking reimbursement from the certificate holder after a claim is paid. Many contracts require this to reduce litigation between parties. LIrisk can include blanket waivers in your general liability and workers’ comp policies.
  • What is an Additional Insured endorsement, and why do I need one?
    An Additional Insured (AI) endorsement extends your general liability coverage to another party — usually a GC, property owner, or project manager — to protect them from claims arising from your work. It's often required in construction contracts and lease agreements.
  • What is the CG 2010 endorsement?
    The CG 2010 (Additional Insured – Ongoing Operations) provides liability protection for the additional insured during the course of your operations. It’s a standard requirement on most NY construction jobs and is often paired with CG 2037 for completed operations coverage.
  • Why do contracts request CG 2037 in addition to CG 2010?
    CG 2037 (Additional Insured – Completed Operations) provides coverage for liability claims that arise after your work is done — for example, if a wiring issue causes damage after project completion. Pairing CG 2010 and CG 2037 ensures the certificate holder is protected during and after the job.
  • What is CG 2038 and how is it different?
    CG 2038 is a newer additional insured endorsement that applies to both ongoing and completed operations, but only for liability caused in whole or in part by your acts. It’s often used when policyholders want simplified language, or as an alternative to combining CG 2010 and CG 2037.
  • What is CG 2011 and who uses it?
    CG 20 11 adds a manager or lessor of premises as an additional insured for liability arising from the tenant’s occupancy.
  • Do I need to add the NYC Department of Buildings (DOB) as an additional insured for my license?
    Yes, the DOB often requires contractors to provide a certificate naming them as additional insured on general liability policies.
  • How does Labor Law 240/241 affect my liability as an electrician?
    Labor Law 240/241 holds contractors strictly liable for certain injuries involving falls or elevation-related accidents. Even if a subcontractor is at fault, you may still be sued. LIrisk helps protect you with proper endorsements, subcontractor compliance tracking, and access to legal defense resources.
  • Why do electricians across New York trust LIrisk?
    We have over 20 years of experience insuring New York’s licensed electricians. Our team understands trade-specific codes, Labor Law risks, and contractor bid requirements. From same-day COIs to accurate class coding and tool coverage, LIrisk delivers real value to the electrical trade.
  • Can I get workers’ compensation discounts as an electrician?
    Yes. Our electrical contractor clients may qualify for up to 25% upfront savings and annual dividends averaging 25–30% through NYSIF-approved safety groups. We also assist with audit prep, experience mod reviews, and loss run analysis.
  • What is the difference between 5190 and 5191 workers’ compensation codes?
    Code 5190 is for standard electrical wiring within buildings, while 5191 applies to low-voltage work like alarm, telecom, or data wiring. LIrisk helps ensure your class codes are correct to avoid audit penalties and overpayment.
  • What types of insurance do electrical contractors in New York need?
    Most electricians need general liability, workers’ compensation, business auto, umbrella, and tools and equipment coverage. LIrisk also offers coverage for cyber, EPLI, pollution liability, and Labor Law exposures to help NYC, Nassau, and Suffolk contractors meet public and private job requirements.
  • Do I need an umbrella policy as an electrical contractor in NYC?
    Yes. Many contracts, especially public or large commercial jobs, require additional limits beyond your base policies. Umbrella and excess liability provides added protection over your general liability, auto, and workers’ comp coverage — with limits available up to $5 million.
  • What tools and equipment can be covered by my policy?
    We offer inland marine and equipment coverage for tools like conduit benders, testers, drills, scissor lifts, and even generators or trailers. These policies protect against theft, fire, vandalism, and damage during transport or at job sites.
  • Does LIrisk provide coverage that meets NYC DOB and DOT insurance requirements?
    Yes. We provide contractor packages that include required general liability limits, waiver of subrogation, primary/non-contributory language, and per-project aggregate — making it easier for you to win bids and pass compliance checks on DOB or DOT jobs.
  • Can you help me meet NY vape and tobacco license requirements?
    Yes. Our team is familiar with New York’s retail licensing rules and ensures your insurance policy meets regulatory, lease, and lender requirements — including specific coverages and limits for vape and CBD retailers.
  • What type of insurance does a vape or smoke shop need in New York?
    Most vape and smoke shops need general liability, business property, product liability, cyber liability, and workers’ compensation. LIrisk offers custom coverage packages that meet NY licensing requirements and protect against common retail exposures like fire, theft, and customer injury claims.
  • What does cyber liability insurance cover for my vape store?
    Cyber liability protects your business from data breaches, stolen customer payment information, and POS system hacks. It’s especially important for shops using digital loyalty programs or e-commerce systems.
  • Can I insure high-value inventory like cigars, glassware, and e-liquids?
    Yes. Business property insurance covers your retail fixtures, displays, merchandise, and equipment against fire, theft, vandalism, and accidental damage. We tailor limits based on your inventory’s value and store layout.
  • Why do vape and smoke shop owners across NY choose LIrisk?
    We understand the challenges of insuring regulated retail businesses. LIrisk provides fast quotes, customized protection, and direct access to A-rated carriers that accept vape, tobacco, and CBD risks — with no broker fees and hands-on support.
  • Do I need workers’ compensation for part-time employees?
    Yes. New York requires workers’ compensation for all employees, regardless of hours worked. LIrisk can enroll your business in a NYSIF-approved safety group, which may provide up to 25% upfront savings and annual dividends.
  • Is product liability included in standard retail insurance?
    No. Product liability is a separate coverage that protects your shop from claims related to vape devices, e-liquids, tobacco, or CBD products. LIrisk helps ensure you have this essential protection built into your policy.
  • Is business income insurance available for vape shops?
    Yes. Business income coverage replaces lost revenue if you must close temporarily due to a covered event — such as a fire, burglary, or major equipment failure.
  • Is business income insurance worth it for a martial arts studio?
    Yes. If your facility has to close due to a covered loss — like a fire or flood — business income insurance helps replace lost revenue and cover ongoing expenses while repairs are made.
  • What does property and equipment insurance cover for martial arts studios?
    This covers your training mats, mirrors, safety gear, flooring, signage, and other studio improvements from perils like fire, theft, water damage, or vandalism. It’s especially important for dojos that have made custom upgrades.
  • Why do martial arts schools across New York choose LIrisk?
    We understand the unique exposures martial arts studios face and build policies accordingly. From fast COIs for tournaments to child protection coverage, LIrisk offers knowledgeable, responsive service that helps instructors stay focused on teaching, not insurance.
  • Do independent martial arts instructors need their own insurance?
    Yes. If you teach freelance classes or rent space in another facility, you still need professional liability coverage. We offer affordable individual instructor policies that meet rental and contract requirements.
  • Does my dojo need abuse and molestation coverage if we work with children?
    Yes. If your school offers youth classes, this coverage is critical. It protects against serious allegations involving staff or volunteers — and is typically not included in standard general liability policies.
  • Can I get coverage for competitions, tournaments, or off-site events?
    Yes. LIrisk offers liability extensions for sanctioned competitions, off-site demos, and community events. We ensure your protection follows your team wherever instruction or events take place.
  • What makes martial arts insurance different from standard fitness coverage?
    Martial arts insurance is tailored to the unique risks of contact training, such as sparring injuries, grappling accidents, and youth program liability. It includes coverages like participant accident, instructor liability, and abuse and molestation protection that aren’t always included in general gym policies.
  • How is professional liability different from general liability in a dojo setting?
    General liability covers incidents like slips and falls. Professional liability protects instructors from claims tied to teaching methods, student injuries during technique demonstrations, or failure to prevent injury in class.
  • Is insurance required to lease space in a commercial building?
    Yes. Most landlords require general liability insurance with proof of coverage before signing a lease. LIrisk provides same-day certificates to help meet these requirements quickly and avoid lease delays.
  • Can I get coverage for fitness classes held off-site?
    Absolutely. Whether you host classes in public parks, corporate offices, or private homes, we offer off-premise liability extensions to keep your business protected wherever you operate.
  • How do you insure a yoga or pilates studio with part-time instructors?
    We customize your policy based on how your instructors are classified — whether employees or independent contractors. Professional liability is included to protect against claims of improper instruction or client injury during classes.
  • Can fitness facilities be covered under one policy if they offer multiple services?
    Yes. LIrisk offers bundled coverage options for gyms and studios offering services like group classes, nutrition counseling, aquatics, and childcare. We ensure your entire operation is covered under one policy with the right endorsements.
  • What happens if a power surge damages my equipment?
    Property and equipment coverage protects your gym’s machines, sound systems, and electrical components from fire, theft, or mechanical breakdown — including damage from power surges and electrical failure.
  • What is the difference between general liability and professional liability?
    General liability covers bodily injury or property damage that occurs on your premises — like slip-and-fall accidents. Professional liability covers claims arising from coaching, training, or instructional errors made by staff or instructors during sessions.
  • Why do so many fitness businesses in New York choose LIrisk?
    We’ve spent over 20 years protecting gyms, studios, and wellness centers across Long Island and NYC. Our customized coverage, fast response time, and expertise in fitness-specific risks make us the go-to partner for local business owners.
  • Do I need special insurance if my gym offers childcare?
    Yes. Childcare introduces additional exposures, and abuse & molestation coverage is highly recommended. This policy protects your business against claims not included in standard general liability insurance.
  • Can I insure equipment like sump pumps or boilers while the building is empty?
    Yes. Equipment breakdown coverage can protect critical systems like sump pumps, boilers, HVAC, or elevators that remain operational during the vacancy. Optional income coverage is available in case these systems fail and cause disruption.
  • What types of properties qualify for vacant building coverage?
    We insure residential homes, commercial storefronts, office buildings, and mixed-use properties that are currently unoccupied. Whether you're preparing for renovations, showing the property for sale, or waiting on a new lease, LIrisk can provide tailored vacant property protection.
  • What is vacant building insurance, and why do I need it?
    Vacant building insurance provides specialized protection for unoccupied properties — including buildings awaiting sale, lease, or renovation. Standard policies often exclude coverage after 30–60 days of vacancy, leaving you exposed to fire, vandalism, or liability claims. LIrisk helps you avoid coverage gaps with policies designed for idle structures.
  • Does my current policy cover the property while it’s vacant?
    Most traditional property policies limit or exclude coverage after a building is vacant for a certain period. Fire, water damage, and vandalism claims are often denied. LIrisk offers policies that specifically cover these exposures for both short- and long-term vacancies.
  • What is premises liability for a vacant building?
    Premises liability protects you if someone is injured on your vacant property — including contractors, inspectors, or even trespassers. This coverage includes legal defense and settlement costs for injury claims related to unsafe conditions.
  • Is workers’ compensation required for a vacant building?
    Yes, if you have staff or contractors working on-site. Property owners are required to carry workers’ comp for janitorial workers, site managers, maintenance crews, or renovation teams. LIrisk can help you secure short-term or annual coverage options.
  • Can I insure against vandalism or copper theft during vacancy?
    Yes. Vandalism and theft coverage is available as an add-on to protect against broken windows, stolen fixtures, copper wiring theft, or graffiti — common risks in unoccupied buildings.
  • Why choose LIrisk for vacant property insurance?
    We understand the risks associated with unoccupied real estate. From fast certificates and lender-approved policies to transition support when leasing or selling, LIrisk provides practical, affordable solutions to keep your property protected — even when it’s empty.
  • Does this insurance cover damage to the building itself?
    Yes. Building and property coverage protects your structure, including roofing, HVAC, plumbing, elevators, and electrical systems from events like fire, wind, vandalism, and water damage.
  • Can you help me track tenant insurance compliance?
    Yes. We assist landlords in tracking tenant certificates of insurance (COIs), verifying coverage limits, and ensuring lease compliance — reducing your exposure to third-party liability claims.
  • What insurance do I need as the landlord of an office building in New York?
    You’ll typically need general liability, property coverage, business income insurance, equipment breakdown, and workers’ compensation (if you have employees). LIrisk customizes coverage for office buildings across Long Island and NYC, ensuring your policy meets lender, lease, and legal requirements.
  • Can I insure against lost rental income if my building becomes unusable?
    Yes. Business and rental income insurance replaces lost income and helps cover expenses like relocation, repairs, or temporary accommodations if your property becomes uninhabitable due to a covered event.
  • Why do office property owners across Long Island trust LIrisk?
    We offer tailored insurance solutions, fast certificates, and in-depth risk reviews for office building owners. Our experience with commercial leasing, tenant compliance, and NYS regulations makes us a trusted partner for property owners across Nassau and Suffolk counties.
  • Is workers’ compensation required for building staff?
    Yes. If you employ janitors, engineers, or front-desk personnel, you must carry workers’ compensation. LIrisk connects landlords with NYSIF-endorsed safety group programs that offer audit support and dividend potential.
  • What does equipment breakdown insurance cover for office buildings?
    It covers repair or replacement costs when systems like HVAC, elevator controls, water pumps, or electrical panels suddenly fail. You can also add income protection for any revenue loss caused by the downtime.
  • What is Lessor’s Risk Liability (LRO) and why is it important?
    LRO exposure refers to the legal liability of landlords who lease to commercial tenants. General liability under a lessor’s risk policy covers claims from tenants or their guests for injuries or property damage that occur on the premises.
  • Can I insure my convenience store inventory and equipment?
    Yes. We offer inventory and POS system coverage that protects tobacco products, lottery machines, beer/wine stock, and sales equipment from fire, theft, or vandalism.
  • What does pollution liability insurance cover for gas stations?
    Pollution liability covers fuel leaks, chemical spills, or contamination from your station’s operations. It helps pay for environmental cleanup, property damage, and legal claims from third parties.
  • Does general liability protect against customer injuries?
    Yes. General liability covers slip-and-fall injuries, parking lot accidents, and property damage involving customers or third parties — essential for meeting lease and lender requirements.
  • Is underground storage tank (UST) insurance required in New York?
    Yes. Most NY fueling operations are required to carry UST liability coverage to meet DEC environmental regulations. This includes cleanup costs, third-party claims, and regulatory fines for spills or fuel system failures.
  • How does business interruption insurance help my gas station?
    If your station is forced to close due to fire, equipment failure, or another covered event, business interruption insurance helps replace lost income and covers ongoing expenses.
  • Is workers’ compensation required for gas station employees?
    Yes. New York requires workers’ compensation for attendants, cashiers, and maintenance staff. LIrisk helps you access NYSIF safety groups that can lower premiums and provide annual dividends.
  • What insurance does a gas station with a convenience store need in New York?
    Typical coverage includes general liability, property, underground storage tank (UST) liability, workers’ compensation, business interruption, and inventory protection. LIrisk tailors each policy to your station’s size, staffing, and services.
  • Why do gas station owners choose LIrisk over national brokers?
    LIrisk offers local expertise, fast certificates, and industry-specific programs for fuel retailers across NY. Our hands-on approach, access to safety group discounts, and deep knowledge of compliance issues help protect your business without added costs.
  • Is workers’ compensation required for my employees?
    Yes. New York requires workers’ comp for car wash attendants, cashiers, and maintenance workers. LIrisk offers access to NY safety groups that provide up to 30% in annual premium dividends and help with audit prep.
  • Can I get insurance for a car wash that offers towing or off-site service?
    Absolutely. We provide tow truck insurance that includes liability and on-hook coverage for customer vehicles being transported, ideal for washes that offer mobile services or accident recovery.
  • Do I need pollution liability insurance for my car wash?
    Yes. Pollution liability is critical for car washes using detergents, waxes, and wastewater systems. This coverage helps address chemical runoff, environmental damage, and costly cleanup — often required by New York regulators.
  • Why do New York car wash owners choose LIrisk?
    We specialize in auto service operations and understand the risks unique to the car wash industry. Our team provides fast quotes, responsive service, and access to top-rated carriers — helping you stay compliant, protected, and profitable.
  • Is equipment breakdown covered in a car wash insurance policy?
    Yes. Our policies can include equipment breakdown insurance for tunnel systems, dryers, vacuums, POS systems, and pumps. Coverage can also include income replacement during repair delays.
  • What is garagekeepers liability and do I need it?
    Garagekeepers insurance covers customer vehicles while on-site — including during automated washing, detailing, or waiting in the lot. This protection is essential for any car wash that assumes custody of customer vehicles.
  • What types of insurance does a car wash in New York need?
    A typical car wash operation in NY should carry general liability, garagekeepers liability, equipment breakdown, workers’ compensation, and pollution liability. LIrisk offers tailored policies for self-serve, tunnel, touchless, and full-service car washes across NYC and Long Island.
  • Does general liability insurance cover customer injuries at my car wash?
    Yes. General liability insurance protects against third-party injury claims, such as slips and falls on wet pavement or injuries caused by malfunctioning equipment on your property.
  • What is dealers open lot coverage and do I need it?
    Dealers open lot insurance protects loaners, resale vehicles, or test-drive cars parked at your facility from fire, theft, vandalism, or weather damage. It’s especially useful if you operate a resale side business or service vehicles on consignment.
  • What is garagekeepers legal liability insurance?
    Garagekeepers insurance protects customer vehicles in your care, custody, or control — whether being painted, repaired, or parked overnight. It covers damage caused by fire, theft, vandalism, or shop accidents while the vehicle is on your premises.
  • Is workers’ compensation required for my shop employees?
    Yes. In New York, workers’ compensation is required for employees, including painters, techs, reception staff, and porters. LIrisk helps you access safety groups that may offer up to 30% in annual dividends.
  • Can I get coverage for my flatbed or tow truck?
    Absolutely. Tow truck insurance includes liability, physical damage, and on-hook coverage for vehicles being transported. It’s ideal for shops offering accident recovery or customer vehicle pickup and delivery.
  • Does your insurance help with OSHA or environmental compliance?
    Yes. Our auto body shop insurance programs often include resources to help with environmental safety, fire suppression systems, hazardous material handling, and OSHA compliance — all essential for spray booth operations.
  • Why do auto body shops across Long Island and NYC choose LIrisk?
    With over 20 years of experience, LIrisk provides fast certificates, customized coverage, and access to A-rated carriers. Our body shop clients benefit from industry-specific protection, audit guidance, and exclusive programs that reduce premiums and improve compliance.
  • What types of insurance does an auto body shop need in New York?
    Auto body shops typically need garage liability, garagekeepers coverage, property and equipment insurance, workers’ compensation, and often tow truck or dealer plate insurance. LIrisk builds tailored policies that protect your business from liability, repair shop damage, and customer vehicle claims.
  • Does body shop insurance cover my paint booth and equipment?
    Yes. Property and equipment breakdown coverage can include paint booths, lifts, compressors, spray guns, and frame machines. Optional coverage is also available for lost income due to equipment downtime.
  • Can I insure equipment and studio buildout items like mats and mirrors?
    Yes. Property and equipment insurance protects mats, flooring, mirrors, uniforms, sound systems, and other buildout investments from fire, theft, and accidental damage.
  • Do I need abuse and molestation coverage if I teach youth classes?
    Absolutely. If your studio serves minors, this coverage is essential. It protects your business from allegations related to staff or volunteers — and is not typically included in standard liability policies.
  • What does professional liability cover for martial arts instructors?
    Professional liability protects instructors against claims of negligence, unsafe teaching practices, or injury from instruction. It’s especially important for dojos offering contact sports, sparring, or self-defense training.
  • What insurance does a martial arts studio need in New York?
    Martial arts studios typically need general liability, professional liability, property coverage, abuse and molestation protection (if working with minors), and workers’ compensation. LIrisk builds custom packages for dojos, academies, and self-defense centers across Long Island and NYC.
  • Does martial arts insurance cover lost income if the dojo closes temporarily?
    Yes. Business income coverage replaces lost revenue if your facility must close due to a covered loss such as fire, vandalism, or storm damage — helping you stay financially stable during downtime.
  • Is workers’ compensation required for martial arts studios?
    If you employ instructors, admin staff, or cleaners, New York law requires workers’ compensation. LIrisk helps with proper class code assignments, safety group access, and audit assistance.
  • Is general liability insurance required for martial arts schools?
    Yes. General liability covers third-party injuries on your premises — like slips, falls, or injuries during a class. It’s often required by landlords, tournament hosts, and licensing bodies.
  • Why choose LIrisk for martial arts studio insurance?
    With over 20 years of experience insuring gyms and studios in NY, LIrisk delivers customized protection for dojos of all sizes. We offer fast quotes, no broker fees, same-day certificates, and access to A-rated carriers with martial arts-specific enhancements.
  • Can I get coverage for events held off-site, like outdoor classes or retreats?
    Yes. LIrisk offers off-premises liability extensions for pop-up fitness events, community classes in parks, and private instruction in client homes.
  • Does fitness insurance include income protection if my gym has to shut down temporarily?
    Yes. Our business income insurance helps replace lost revenue if your facility closes due to a covered event like fire, flood, or equipment failure — helping you stay afloat during downtime.
  • How does workers’ compensation apply to gyms and studios?
    New York requires workers’ comp for employees such as trainers, desk staff, lifeguards, and cleaners. LIrisk helps you assign proper class codes, access safety groups, and avoid audit penalties.
  • What insurance does my gym or fitness studio need in New York?
    Most fitness businesses in NY need general liability, professional liability, property coverage, and workers’ compensation. LIrisk customizes your policy to match your facility’s size, services, and exposures — from equipment protection to childcare and instructor liability.
  • Why choose LIrisk for my fitness business insurance?
    We’ve insured hundreds of gyms, studios, and wellness centers across Long Island and NYC. With access to A-rated carriers, same-day certificates, and coverage tailored to fitness operations, we help you stay protected and focused on your clients.
  • Do personal trainers need their own insurance?
    Yes. Professional liability insurance is essential for trainers and instructors, covering claims of bodily injury, negligence, or improper technique. Whether on-site or off-site, we help trainers stay protected and compliant.
  • Is abuse and molestation coverage necessary for my fitness facility?
    If you offer childcare, youth classes, or family programs, this coverage is critical. It protects your business against allegations that are typically excluded from general liability policies.
  • What is covered under property and equipment insurance?
    This coverage protects your gym’s machines, weights, mirrors, sound systems, flooring, and facility upgrades from fire, theft, water damage, or vandalism. It’s essential for both leased and owned fitness spaces.
  • What property damage is covered under a Lessor’s Risk policy?
    Covered events typically include fire, theft, vandalism, wind, water damage, and storm-related losses. LIrisk policies also include protection for building systems like HVAC, roofing, plumbing, electrical, and exterior signage.
  • What if I employ janitors or maintenance staff at my shopping center?
    If you have on-site employees, you’re required to carry Workers’ Compensation insurance. LIrisk offers access to NYSIF-approved safety groups with up to 30% dividends and audit support.
  • Why should I choose LIrisk for my commercial landlord insurance?
    We specialize in NY-based retail and commercial landlord coverage, offer same-day certificates, no broker fees, and bundled policies. With over 20 years of experience, we help Long Island landlords protect their investments and comply with lender and lease obligations.
  • Does Lessor’s Risk Insurance include coverage for tenant accidents?
    Yes. It includes premises liability, which covers bodily injury or property damage claims from tenants, customers, delivery drivers, or vendors who get hurt or suffer losses on your property.
  • What is Business Income or Rental Income coverage?
    Business or Rental Income coverage helps replace lost rental revenue if your building becomes uninhabitable due to a covered event like a fire or storm. It’s crucial for keeping your finances stable during downtime.
  • Can I get insurance even if my building has vacant units?
    Yes. LIrisk provides tailored insurance solutions whether your building is fully leased or partially vacant. We'll help you meet lender requirements and stay protected during vacancy periods.
  • Do you offer help tracking tenant insurance compliance?
    Yes. LIrisk provides in-house support for COI (Certificate of Insurance) tracking to ensure your tenants meet lease requirements. This reduces your liability and helps avoid coverage gaps.
  • What is Lessor’s Risk Insurance, and who needs it?
    Lessor’s Risk Insurance is designed for landlords who lease space to retail, restaurant, or service businesses. It provides liability and property coverage for building owners in case of tenant injuries, property damage, or business interruption — making it essential for shopping center and strip mall owners on Long Island.
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