Commercial Insurance for Nassau & Suffolk Counties, Long Island & New York City including Property, Worker’s Comp, and so much more for most industries.

We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business. In addition, we offer group health and retirement plans.

Commercial Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

Direct losses may be covered when property is lost, stolen, damaged or destroyed.
Indirect or consequential losses related to direct losses may also be covered.

Commercial General Liability Insurance

Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

Premises and Operation
Fire Damage Liability (damage by fire to premises rented to insured)
Personal and Advertising Injury

Medical Payments
Products/Completed Operations

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Business Auto Insurance

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semi-trailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

Worker’s Compensation

Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Worker’s Compensation provides for the payment of four types of benefits:

Medical benefits
Income benefits

Death benefits
Rehabilitation benefits

A representative can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

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Automotive

automotive

Automotive risk management has been one of C&M’s niche business specialties since inception. Whether you are a main street automotive repair shop or a franchised auto, our in-depth knowledge is unparalleled.

We represent :

Auto Repair
Auto Transmission
Auto Dealers
Auto Glass
Auto Accessories

Body Shops
Gas Stations
Heavy Truck Repair
Tire Dealers

C&M provides our automotive clients a detailed overview of potential impactful business risks such as insufficient coverage for vehicles in your care, custody and control.

We provide risk management strategies on the following coverage needs:

Garage Liability
Umbrella Liability
Garage Keepers Legal Liability
On-Hook Towing Coverage
Property Coverage
Business Income Coverage

Workers Compensation
Automobile Liability and Physical Damage
Environmental
Cyber Liability
Crime
Equipment Breakdown

Construction

C&M delivers industry leading solutions and services across a broad range of construction clients including general contractors, construction managers, trade contractors and suppliers. We build comprehensive and cost-effective strategies for startup and emerging contractors as well as large multi-million dollar contractors. C&M uses their decades of experience and strong insurance carrier partnerships to protect your business and help increase bid leverage.

The value-added services and resources we provide to construction clients include:

Contractual Review and Compliance
Sub-Contractor Risk Management
Experience Mod Review
Audit Analysis

Claims Advocacy
Wrap-Up Insurance Programs
Project Specific Liability Programs
Surety Services

We provide risk management strategies on the following coverage needs:

General Liability
Umbrella/Excess Liability
Property Coverage
Workers Compensation
Automobile Liability and Physical Damage

Equipment Coverage
Contractors Professional Liability
Pollution Liability
Cyber Liability

Education

C&M works closely with educational institutions of all sizes and complexities. While working hard to understand your academic environment, we mitigate risk for your students, staff, reputation and help increase your bottom line. Our clients include universities, private and public colleges, elementary schools and trade schools. In a tough environment where schools may face decreased funding, C&M helps keep your insurance costs down.

The value-added services and resources we provide to educational clients include:

Risk Transfer AdvicefForHired Suppliers AndContractors
Maximize Campus Security
Claims Advocacy

Loss Forecasting
and More

We provide risk management strategies on the following coverage needs:

General Liability
Umbrella/Excess Liability
Athletic and Special Event Liability
Property Coverage
Workers Compensation
Automobile Liability and Physical Damage

Dormitory Exposures
Fraternity and Sorority Exposures
Pollution Liability
Directors and Officers Liability
Cyber Liability

Golf & Country Club Insurance

Golf courses and country clubs are usually the scene of quiet tranquility. But like any business, golf courses are exposed to significant risks on a day by day basis. Whether you own or manage a public course or a private country club, C&M is a proven leader in your industry. Allow us to utilize our expert knowledge to deliver you a specialized program for your unique exposures associated within the Golf industry.

The value-added services and resources we provide to golf course clients include:

Tee to Green Evaluation
Pollution Prevention
Claims Advocacy

Safety and Training Programs
Loss Forecasting
Industry Specific Enhancements

We provide risk management strategies on the following coverage needs:

General Liability
Umbrella/Excess Liability
Property Coverage
Crime and Fidelity Coverage
Equipment Coverage
Workers Compensation
Hired and Non-Owned Liability
Ordinance and Law

Liquor Liability
Pollution Liability
Directors and Officers Liability
Employment Practices Liability
Garage keepers Legal Liability for Valet Services
Pesticide and Herbicide Liability
Cyber Liability

Healthcare

Delivering patient care is one of the most important aspects of life. C&M is proactive to address the ever-evolving risk and financial challenges associated to the healthcare industry. We serve hospitals, physicians, surgical centers, alcohol and drug rehab centers, senior and assisted living facilities, urgent care centers and more. Let us deliver our personal touch and exceptional service to your current healthcare business.

The value-added services and resources we provide to healthcare clients include:

Medical Billing Claims Expertise
HIPAA Privacy Review
Government Regulatory Assistance

Audit Analysis
Claims Advocacy
Loss Control

We provide risk management strategies on the following coverage needs:

General Liability
Umbrella/Excess Liability
Medical Professional Liability (Malpractice)
Directors and Officers Liability
Property Coverage

Workers Compensation
Employment Practices Liability
Crime and Fidelity
Cyber Liability

Hospitality

At C&M, we understand the multiple challenges faced by hoteliers, restaurants and bars, ski resorts, casinos, and travel and tourism companies of all size and scopes. Slips and falls, food contamination, and off premises power outages are just a few of the hurdles you may encounter. Whether you’re an owner, operator, or management company we will engage you in a meaningful consultation to proactively identify your core assets and potential threats. Then our dedicated specialists will tailor a specialized program to meet your specific situation.

The value-added services and resources we provide to hospitality clients include:

Catastrophic Risk Modeling
Loss Sensitive Plans
International Exposure Control
Benchmarking

Claims Advocacy
Loss Control for Pool Safety and Grounds Security
On-Site Safety Compliance

We provide risk management strategies on the following coverage needs:

General Liability
Umbrella/Excess Liability
Property Coverage
Business Income and Extra Expense

Workers Compensation
Employment Practices Liability
Cyber Liability

Main Street Business

Main Street Businesses are the heart of the community. As a business owner, you wear many hats and find yourself acting as the accounting department, marketing team, purchasing division and tech support. Your success depends on how you manage all aspects of your business. At C&M we understand the exposures you face and offer coverage solution options to protect your business and assets.

We provide risk management strategies on the following coverage needs:

Property Coverage
General Liability
Umbrella Liability
Business Income
EDP (Computer) Hardware/Software
Equipment Breakdown

Workers Compensation
Automobile Liability and Physical Damage
Cyber Liability
Crime
Employment Practices Liability

Manufacturers

In today’s world, manufacturing companies are using advanced technologies to bolster production and reduce costs. C&M continues to be on the cutting edge to identify new insurance products and services that will help support and address this new technology. We provide services to a broad range of manufacturing sectors such as medical devices, aerospace components, food products, fabricated metal products, tool and die products, machine shops, electrical and machinery equipment, apparel and accessories, plastic bottles and containers, and more. Whether a single location or a multi-state operation, you face concerns over a product safety and employee-related issues, such as productivity, training and turnover.

The value-added services and resources we provide to manufacturing clients include:

Loss Control
Experience Mod Review
Audit Analysis

Claims Advocacy
and More

We provide risk management strategies on the following coverage needs:

General Liability
Umbrella/Excess Liability
Property Coverage
Workers Compensation
Manufacturers Errors and Omissions Coverage

Product Recall Expense Coverage
Marine Coverage including Shipper Interest & Ocean Cargo
Multinational Coverage
Cyber Liability

Non Profits & Social Services Organizations

C&M is proud to provide the coverage solution options for this unique business segment. Our coverage options are uniquely designed to fulfill the wide spectrum of special insurance needs for the nonprofit sector. Policies are custom tailored to meet the unique exposures of each client.

We provide risk management strategies on the following coverage needs:

General Liability
Professional Liability
Directors & Officers
Abuse & Molestation
Special Events Coverage
Property Coverage
Umbrella Liability

Equipment Breakdown
Workers Compensation
Automobile Liability and Physical Damage
Cyber Liability
Crime
Employment Practices Liability

Professional Services

Attorneys, Accounts, Architects, Engineers, and Consultants are a few of the professional services within this segment. Each profession has its own unique exposures, C&M we will help you identify your
specific needs and provide coverage solution options to protect your business and assets.

We provide risk management strategies on the following coverage needs:

Property Coverage
General Liability
Errors & Omissions Coverage (Professional Liability)
Umbrella Liability
Business Income
EDP (Computer) Hardware/Software
Cyber Liability

Equipment Breakdown
Workers Compensation
Automobile Liability and Physical Damage
Environmental
Crime
Employment Practices Liability

Public Entities

C&M has been providing public entity coverage for over 30 years to local municipalities. Over the years this market segment has changed and we have continued to refine our coverage solutions to offer options that meet the new challenges communities face every day.

We provide risk management strategies on the following coverage needs:

Property Coverage
General Liability
Management Liability
Directors & Officers Liability
Umbrella Liability
Business Income
EDP (Computer) Hardware/Software
Inland Marine

Equipment Breakdown
Workers Compensation
Automobile Liability and Physical Damage
Environmental
Cyber Liability
Crime
Employment Practices Liability

Real Estate

Real Estate owners, managers, and developers have a lot of assets to be protected. Whether you own a single building or own or manage a large portfolio of varying asset classes, C&M has deep knowledge to lower your total cost of risk. Knowing that catastrophes are the biggest threat facing real estate companies, we help you develop plans to protect against adverse weather, technology, and building maintenance.

The value-added services and resources we provide to real estate clients include:

Manuscript Property Wording
Catastrophic (Cat) Analytics
Claims Advocacy
Asset-Specific Loss Control

Environmental Risk Analysis
Terrorism Analysis
Leed Compliance Coverage
Deducible Buy Back

We provide risk management strategies on the following coverage needs:

Property Coverage
General Liability
Umbrella Liability
Business Income/Loss of Rents Coverage
Ordinance Coverage
Equipment Breakdown

Workers Compensation
Automobile Liability and Physical Damage
Environmental
Cyber Liability
Crime
Employment Practices Liability

Security & Alarm

C&M has the experience and expertise to provide coverage solutions to the Security Services Industry. We understand the complexities of this industry and can offer the coverage options to mitigate the exposures of your security business.

We provide risk management strategies on the following coverage needs:

General Liability
Errors & Omissions (Professional Liability)
Assault & Battery
Employee Benefits Liability
False Arrest
Property Coverage
Umbrella Liability

Business Income
Workers Compensation
Automobile Liability and Physical Damage
Cyber Liability
Crime
Employment Practices Liability

Wholesalers & Distributors

C&M offers coverage solution options to protect your property, employees, and reputation, so you can devote your attention to growing your business. Insurance programs are customized to respond
to your individual exposures and mitigate potential areas of risk.

We provide risk management strategies on the following coverage needs:

Property Coverage
General Liability
Umbrella Liability
Business Income
EDP (Computer) Hardware/Software
Equipment Breakdown

Workers Compensation
Automobile Liability and Physical Damage
Cyber Liability
Crime
Employment Practices Liability

Commercial and Personal Insurance throughout the United States. Contact us today.

516-333-2340