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New York City Insurance
Insurance in New York City, NY
New York City has its own rules for drivers, employers and contractors, from mandatory no-fault auto coverage to the Scaffold Law. We help families, small businesses and contractors across the five boroughs, Long Island and Westchester compare coverage.
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Coverage in New York City
What We Write in New York City
Personal
Home, auto, flood, renters and condo, and umbrella, including the no-fault coverage every New York auto policy carries.
Learn More →Business & Commercial
Liability, property, workers' comp, commercial auto and umbrella for every kind of New York business.
Learn More →Life
Term, permanent and final expense coverage, plus key person and buy-sell for business owners.
Learn More →Specialty
Trucking, contractors and builders risk, with help meeting New York's contractor and workers' comp rules.
Learn More →Know Before You Buy
What New York City Clients Should Know
New York's laws add requirements you will not find in most states.
General information only, not legal advice. Laws change, and your policy's terms decide what's covered. We'll confirm what applies to you before you buy.
- No-fault auto is mandatory. Every New York auto policy includes at least $50,000 of Personal Injury Protection, which pays medical bills and lost wages regardless of fault.
- Employers need more than comp. New York employers generally must carry workers' comp plus Disability and Paid Family Leave benefits for their employees.
- The Scaffold Law. New York's Labor Law 240 holds owners and contractors strictly liable for many gravity-related injuries, like falls from heights. Contractor liability policies vary widely in how they handle these claims.
- Co-ops and condos have board rules. Many buildings require unit owners to carry specific coverage and limits. Your HO-6 or co-op policy should match the building's requirements.
- Coastal flood risk. Hurricane Sandy showed how far flooding can reach in the city. Flood is a separate policy, and standard home policies exclude it.
Where We Work
Serving the New York City area
We work with clients across the New York City area by phone, text and email, including:
ManhattanBrooklynQueensThe BronxStaten IslandNassau CountySuffolk CountyWestchester CountyYonkersWhite PlainsNew RochelleMount VernonHempsteadHuntington
State rules and coverage details: New York insurance
Questions
New York City Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
What does New York's Disability and Paid Family Leave coverage do?
It replaces part of an employee's wages when they are out with an off-the-job illness or injury, or caring for family. Most New York employers must provide it alongside workers' comp.
Why is contractor insurance more expensive in New York?
The Scaffold Law makes owners and contractors strictly liable for many fall injuries, so insurers price New York construction work higher. We compare policies to find the right terms.
Do you write co-op and condo policies?
Yes. We match your policy to your building's requirements and the improvements you have made to your unit.
Licensing
Licensed Agents in New York
Have a question about our licensing? Call or text 239-799-5411.
- J&D agents hold New York producer licenses
- J&D Insurance Associates is a Florida licensed agency, license L123435
Let's Get You Covered.
Tell us what you need and we'll compare insurance companies licensed in New York.