Generic commercial policies protect generic businesses. Yours isn’t.
Whether you’re running a hospitality franchise, managing real estate assets, or operating a contracting business, your risk profile is specific — and your insurance should be too. Zupnick & Associates has spent 15+ years structuring commercial coverage for businesses across New York and New Jersey. We package your risk honestly, present it clearly to underwriters, and get you covered at the right price.
1k+
Happy
Customers
Coverage We Structure
GENERAL LIABILITY
Protection against third-party claims for bodily injury, property damage, and advertising injury. The foundation of any commercial policy — we make sure yours is solid.
PROFESSIONAL LIABILITY (E&O)
If your business provides services, advice, or professional opinions, you need coverage for claims that arise from them. We work across a wide range of professional and service categories.
WORKERS’ COMPENSATION
New York State requires it. We make sure you have it, you’re priced fairly on it, and your safety record is working in your favor at renewal.
COMMERCIAL PROPERTY
Your building, equipment, and inventory — covered against loss, damage, and business interruption when it matters.
COMMERCIAL AUTO
Fleet vehicles, company cars, and driver liability — structured for your actual usage patterns.
BUSINESS OWNER’S POLICY (BOP)
A bundled solution that combines general liability and property coverage in one cost-effective package — built for small to mid-size businesses.
Industries We Serve
- Hospitality franchises — single-location operators to regional chains
- Real estate — all project types, facility classifications, and ownership structures
- General and specialty contractors — ground-up construction to trades and finishing
- Professional services — consultants, advisors, and service firms with liability exposure
