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NY Brick & Brownstone.

The New York Brick & Brownstone Program is a customizable package product designed for owner- or tenant-occupied properties in Manhattan, Brooklyn and Queens. Developed specifically for smaller New York habitational properties, the program delivers the coverages small building owners want and the ease and efficiency brokers need to manage business cost effectively.

Key advantages

  • An A rated admitted carrier that’s been covering NY properties and paying claims for over 40 years
  • Competitive pricing
  • Customizable with several options including a three year policy option that extends to the Umbrella
  • Automatic renewals with applications updated every three years


  • Risk territory: Manhattan, Brooklyn, Queens
  • Size: 1 – 100 units (sweet spot - 30 and under)
  • Classes: condos, co-ops, brownstones, row housing and apartment buildings
  • Construction: joisted masonry or better
  • TIV to $15 million for JMS (jointed masonry structures), $25 million MNC or FRS (masonry non-combustible and fire resistive structures)
  • Stories: 10 or under
  • Residential properties including mixed-use properties with at least 50% residential

Coverage & Limits

  • Special form – Cause of loss (named perils available)
  • Agreed Amount avaliable on Building Coverage
  • Replacement cost
  • Equipment Breakdown/Building Machinery, Heating/Cooling systems, miscellaneous electrical apparatus included
  • Terrorism included

General liability:

  • $1 million per occurrence / $2 million aggregate on Bodily Injury, Property Damage, Personal and Advertising Injury
  • $100,000 damage to premises rented to you
  • Medical payments - $5,000 each person / $25,000 each accident

Optional property endorsements and coverages

  • Personal property
  • Personal inland marine (fine arts, furs, jewelry, silver, bicycles, antiques, musical instruments, cameras)
  • Additional living expense
  • Ordinance or law
  • Flood, for qualifying locations only
  • Earthquake
  • Deductible options from $1,000 to $10,000 (min $2,500 water damange deductible)
  • Business income including rental value with extra expense
  • Discharge from sewer, drain, or sump (not flood related)
  • Employee theft
  • Upgrade to green
  • Guaranteed replacement cost for qualified risks only
  • 80% coinsurance

Optional liability coverages

  • Personal liability
  • Water damage legal liability
  • Directors & officers liability
  • Hired & aon-owned automobile liability
  • Employee benefits liability

The coverage information outlined here is a guideline only. Please refer to the actual policies for full terms, conditions, exclusions, and limitations. In the event of a conflict between this document and the actual policies, the policies will control.


  • Insurance company subsidiaries or affiliates of AIG, Inc.

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