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NY Brick & Brownstone

The New York Brick & Brownstone Program is a 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.

NEW! We now offer personal lines coverage for owner occupied properties!

  • An A rated admitted carrier
  • Competitive pricing

  • Risk territory: Manhattan, Brooklyn, Queens
  • Size: 1 – 30 units
  • Classes: condos, co-ops, brownstones, row housing and apartment buildings
  • Construction: joisted masonry or better
  • TIV to $6 million for JMS (jointed masonry structures)
  • Residential properties including mixed-use properties with at least 50% residential

  • Special form – Cause of loss
  • Agreed Amount available on Building Coverage
  • Replacement cost
  • Equipment Breakdown, miscellaneous electrical apparatus included
  • Terrorism included
  • Ordinance or law
  • Deductible options from $1,000 to $10,000
  • Business income including rental value with extra expense
  • Employee theft
  • Coverage A - Up to building limit, Coverage B and C each - 25% of building value or min $150k
  • Back up of sewers and drains up to policy limits

  • $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

  • $1 million per occurrence
  • Additional living expense
  • Personal inland marine (fine arts, furs, jewelry, silver, bicycles, antiques, musical instruments, cameras)

Optional Property Endorsements and Coverages

  • Flood, for qualifying locations only
  • Earthquake

Optional Liability Coverages

  • Hired & non-owned automobile 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.

How will I submit? Will it still be online through the portal?

Yes! All submissions can now be entered through our portal.

Will the rates be competitive?

Yes, the rates are competitive. Some risks may experience rate increases. Spoiler alert: Properties with mercantile exposure may be subject to rate increases.

Will you consider risks with mixed use (mercantile exposure)?

Yes! Risks with mercantile exposure are eligible for the program, as long as the square footage of the mercantile exposure comprises less than 51% of the the building’s total square footage.

Our application lists other specific parameters for risks with mercantile exposure.

Why aren’t all of my renewal proposals coming from the same carrier?

Most eligible risks will receive renewal proposals through our newly launched program! However, some risks, including those with fewer than 5 units and no mercantile exposure may be offered a renewal proposal through our original program.

Are single family, owner-occupied risks eligible for the program?

Not just yet. At this time, we are not able to consider single-family, owner-occupied properties that are owned and deeded to an individual name.

How many units will you consider per risk for the new program?

We are currently considering risks with up to 30 units!

What’s changing about our coverage?

We’ve tried to keep it very close to expiring. Here are some of the key changes:

  • Ordinance or law, and backup of sewer and drains are now applied automatically to every risk.
  • Flood, earthquake, and non-owned & hired auto are still optional coverages.
  • We have removed the legal liability limitation.
  • Owner occupied - personal liability
  • Commercial general liability - limits apply

For a full list of updated forms, coverages, and limits, please refer to your proposal or policy. 

What are the next steps if I have a claim under this new form?

Please refer to the claims section of our website.

Can’t find the answer to your questions here? Please give us a call at 888-355-4626, or send us an email and we’ll be happy to help.


Specialty Sales Team By State