Independent insurance brokerage
No risk too big. No risk too small.
Our brokers know what you need before you do.
What we write
Commercial and personal insurance under one roof
One brokerage for the project, the business and the home, with the same attention on every account.
Expertise
Builders risk
One-family homes to multi-unit high-rises, ground-up or fix-and-flip, with the endorsements and requirements owners and lenders ask for.
Trades
Contractors and artisans
General liability at the limits the DOB, the DOT and other agencies require, plus workers' compensation, business owner's policies and disability.
Real estate
Investors and landlords
Multi-family homes, apartment buildings and mixed-use buildings, including under renovation and vacant.
Business
Commercial insurance
Business property, general liability, professional liability, cyber, liquor and special events.
Home
Homeowners and personal
Almost every carrier, coastal included, so there's no need to shop around. We meet all lender requirements for all types of loans.
On the road
Commercial and personal auto
Fleets, trucks, vans and everyday drivers, placed with the markets that want them.
Contracts and licenses
Surety bonds
License, permit, bid and performance bonds for contractors and businesses.
Water
Flood
All types of flood insurance for homes, condos and commercial buildings.
Capacity
Excess and surplus lines
Umbrella and excess limits, and the surplus lines markets for risks that others decline.
Owner-builders and contractors
Acting as your own general contractor, or hiring one?
The risks are different on each side of the contract. We line up the right coverage for the project, whichever side you are on, so your assets stay protected from the first day on site.
Have a risk that has been declined?
Send it over. We will tell you where it can go.
After the saleA dedicated service team handles your changes and certificates. Our renewal team stays on top of every renewal and sends it to your bank, so you don't have to.
About usTell us about your risk.
Send us the details. Our educated brokers are ready to help.
About BNP Coverage Inc
We know what you need before you ask
BNP Coverage Inc is an independent brokerage that works where real estate, lending and construction meet. Our brokers know real estate, mortgage requirements, hard money loan requirements and general contracting first hand, so we know what your lender, your investor and your project will ask for before they ask.
Property owners, investors, contractors, business owners, homeowners, lenders and fellow brokers all work with us. Whether you need a first policy, a better one or a program for a growing portfolio, every client gets the time they deserve and a broker who takes the time to understand the risk, from a single policy to a multimillion-dollar program. Educated brokers, ready to help.
Been with the same carrier or broker for years? Many clients come to us to save on their home and auto, with customized bundles built around how they actually live and drive.
How it works
A straightforward process
You send us the details. We handle the market.
1. Send your request
Share the basics. For many risks, a name and address is enough to start.
2. We go to market
We approach the carriers and markets suited to your risk and compare terms, limits and exclusions.
3. You choose, we place
We explain the options, bind the coverage you select and handle certificates, changes and renewals.
Tell us about your risk.
Send the details and we will find the right market for it.
Careers
Build your career in insurance
We are always interested in educated, driven people who want to learn the business from experienced brokers. Licensed or ready to be licensed, tell us about yourself.
Brokers and account managers
Work directly with clients and carriers on commercial and personal accounts.
Service and renewals
Keep policies, certificates and renewals moving for our clients.
Learn from experience
Join a team that reads the fine print and shares what it knows.
To apply, send your resume and a few lines about yourself through our contact form, or email info@bnpcoverage.com.
Pay online
Pay your premium
Make your payment securely online. Have your policy number ready. Questions about your bill? Call us at 718-217-7000.
You will be taken to a secure payment page. A payment is not accepted as coverage until the policy is bound and confirmed in writing.
Coverage
Lines of insurance we write
If it falls under property and casualty, we can place it. Select a line to start a quote.
Availability varies by state, carrier and risk.
Carriers and markets
Over 200 carriers. Direct access. Real options.
As an independent brokerage, we are not limited to one company's appetite or pricing. We write directly with carriers and go to the wider market when a risk calls for it.
A market for every risk
Admitted and non-admitted, standard and specialty, so the right home for your risk is already on our list.
Direct
Written directly
We write directly with carriers, for sharper terms and a faster answer.
Admitted
Admitted carriers
Licensed carriers for standard commercial and personal lines in your state.
Non-admitted
Surplus lines and excess
Markets for risks that admitted carriers decline or cannot fit, and higher limits above your primary policy.
Programs
Specialty programs
Programs built for a specific class of business, often with better terms.
Carrier appointments and availability vary by state and by risk. A quote request does not bind coverage.
FAQ
Frequently asked questions
What is an independent broker?
We work for you, not for an insurance company. We write directly with many carriers and place the coverage that best fits your risk and budget.
What do you need to give me a quote?
For a property, often just the name and address. For a business, add what you do, your revenue or payroll and any past claims.
Can you place a risk that has been declined?
Often, yes. We work with surplus lines and specialty markets for risks that standard carriers will not write.
What is a certificate of insurance?
A certificate of insurance (COI) is a one-page document that proves you have coverage. Clients, landlords, lenders and general contractors commonly ask for one. Use the Request a COI form for policies we placed.
When does my coverage start?
Coverage takes effect once the policy is bound and the premium is paid, and is confirmed in writing by the agency or carrier. A quote is not coverage.
Do you work outside New York?
Yes. We place coverage nationwide.
Contact us
How can we help?
Choose a request type and complete the form, or contact our office directly.