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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!

Key Advantages

  • 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

Coverage and Limits

  • 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

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

Personal Lines

  • $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.

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