You know your business. We get to know it, too.
Commercial insurance in NYC starts with the work you do. We help you consider your people, your property, and your obligations, with clear guidance from an independent broker.
The essentials—and the details between them.
A lease, a client contract, or a growing team can change what you need. We help connect those requirements to the insurance you actually carry.
General liability
Review protection for covered bodily injury, property damage, and certain personal or advertising injury claims. Your work, premises, and contracts shape the coverage discussion. General liability does not replace professional liability.
Discuss this coverageCommercial auto
Business vehicles need a review of their drivers, use, travel radius, and ownership. We also ask whether employees use personal or rented vehicles for work. Consider hired and non-owned auto, even without company vehicles.
Discuss this coverageWorkers compensation
Employees, payroll, job duties, and the states where work takes place all matter. We discuss workers compensation and employers liability, including the requirements that may apply to your operation. Tell us about seasonal staff and subcontractors.
Discuss this coverageCommercial property
Consider the building you own, improvements to rented space, equipment, and inventory. Valuation, deductibles, and covered causes of loss affect how a policy works. Business interruption and extra expense coverage also deserve attention when a covered loss stops operations.
Discuss this coverageBusiness owners policy
A BOP can combine property and general liability for an eligible business. Eligibility and terms vary. We review whether the package fits your operations and what needs to be arranged outside it.
Discuss this coverageContractors insurance
Your trade, job sites, and use of subcontractors influence insurance needs. We review contractual requirements, additional insured requests, and exclusions that could affect your work. Tools, equipment, and vehicles may require separate coverage beyond general liability.
Discuss this coverageProfessional liability
If you provide advice or professional services, a client may allege that an error caused financial harm. Professional liability addresses different risks from general liability. We discuss your services, policy reporting conditions, and any retroactive date that may apply.
Discuss this coverageDifferent work. A different set of questions.
Construction
We ask about trades, heights, subcontractors, and where jobs take place. Contract language and policy exclusions matter as much as the limit shown on a certificate. Share a sample contract and the scope of work before a project starts.
Retail
Inventory, customer foot traffic, and your lease help define the review. We discuss property values, seasonal stock changes, and the impact of a covered interruption. If you sell online as well as in store, tell us about both operations.
Hospitality & restaurants
Cooking, equipment, customer activity, and alcohol service bring distinct exposures. We consider whether spoilage, equipment breakdown, or liquor liability needs separate attention. An ordinary property and liability package may not address every part of the operation.
Professional offices
A practice may need property, general liability, and professional liability for different reasons. We ask about your services, client agreements, and the consequences of an interruption. Working remotely or advising clients across state lines should be part of the discussion.
Law firms
Alongside office and professional liability considerations, we can discuss crime insurance and fidelity bonds. The right review depends on your handling of funds, internal controls, and contractual or fiduciary responsibilities. These protections are not interchangeable.
Businesses that own buildings
Your business operations and responsibilities as a property owner may need separate policies or coordinated coverage. We can discuss your landlord exposures alongside your commercial insurance, especially when other tenants share the property.
Make your next insurance review more useful.
Bring your policies, payroll, revenue, and lease or client requirements. We’ll explain what additional information carriers need.
Independent since 1989, we compare available carrier options and discuss their limits, language, and exclusions.
Licensed in New York, New Jersey, and Connecticut, we serve Queens & Rockaway, all NYC boroughs, Long Island, and Westchester as well.
For rental buildings, explore landlord insurance guidance. For your next review, schedule a conversation. Coverage always depends on the actual policy terms and carrier underwriting.
In our clients’ own words.
We enjoy working with Peter Silletti who helps us with crime bond insurance. Recommend for law firms!
Eugene S.Attorney
Peter is truly a professional at what he does! He is both quick and incredibly helpful, taking care of all my needs seamlessly. He made the process so easy and answered all my questions thoroughly.
Naz A.Coffee Shop Owner
We have been with Ocean Blue Ins. Agency for a number of years. Aside from the attention to detail, Ocean Blue is committed to ensure the best rate for our company's needs.
Alex P.Retail Business Owner
Your questions, answered.
Insurance shouldn’t leave you guessing. Here are a few things you may want to know.
What is a business owners policy?
A business owners policy, or BOP, commonly packages property and general liability coverage and may include business interruption protection. Eligibility, limits, and exclusions vary by carrier and business type. Commercial auto, workers compensation, and professional liability usually need separate consideration.
Can you help with insurance certificates and contracts?
We can review the insurance language in a lease or client contract and help arrange evidence of coverage. Additional insured status and other requirements may need endorsements; a certificate alone does not change your policy. Share the requirements before work begins.
When should I review my business insurance?
Review coverage before renewal and when you add employees, vehicles, locations, or new services. A change in revenue, payroll, or the work you perform can affect how a carrier evaluates your business. We help you identify the details that need updating.
Upload your current policy. We'll take it from there.
Drop in your declarations page or current policy — PDF, photo, or screenshot. Adam or Peter will review it, shop the market, and get back to you. No long forms.
- Upload your dec page
- We review and shop it
- Adam or Peter calls you with options
Talk to Adam or Peter.
Tell us what you're building or buying. One of us will walk through what you need.