Many business owners and property investors in the New York metropolitan area hold assets or operate businesses across state lines. A property investor based in Hoboken may own apartment buildings in both New Jersey and New York. A contractor licensed in NJ may take on jobs in New York or Connecticut. A condo association management firm may oversee buildings in multiple states. In each case, insurance coverage must be structured to respond where the business operates or where the property is located, and carrier appointments must be in place in each applicable state.
Muller Insurance holds carrier appointments across New Jersey, New York, Connecticut, and Pennsylvania. Our office is based in Hoboken and NJ is our primary writing state, but our carrier relationships allow us to place commercial coverage in the surrounding states as well. Below is an overview of our commercial writing capabilities by state.
Commercial Insurance in New York
NY Commercial Building
For commercial building coverage in New York, Muller Insurance uses Amtrust, Andover Companies, and Distinguished Programs. These carriers write commercial property and liability for a range of building types in NY, including apartment buildings, mixed-use properties, and commercial storefronts.
NY Commercial Auto
Commercial auto coverage in New York is available through Amtrust, Plymouth Rock, and Progressive. NY commercial auto has different rate factors and state-specific requirements than NJ commercial auto, and all three of these carriers operate in both states.
NY Condo Association Coverage
Andover Companies writes condo association policies in New York as well as New Jersey and Connecticut. Amtrust also writes commercial building and liability coverage in NY for qualifying association properties.
Commercial Insurance in Connecticut
Andover Companies writes commercial property and liability policies in Connecticut. For NJ-based property owners or businesses with assets in CT, Andover’s three-state writing territory in NJ, NY, and CT makes it a carrier we frequently use for clients with cross-border holdings.
Connecticut condo association coverage is also available through Andover for qualifying properties.
Commercial Insurance in Pennsylvania
Franklin Mutual (FMI) writes commercial coverage in New Jersey, New York, and Pennsylvania, making it a carrier option for clients with assets in NJ and PA. Cumberland Mutual writes in NJ, PA, and MD. The N&D Group writes in NJ and PA. For PA-based businesses or properties, these carriers provide options for commercial property, liability, and workers compensation depending on the risk type.
Carrier Territory Summary for Commercial Lines
- Andover Companies: NJ, NY, CT — commercial property, liability, and condo association coverage.
- Amtrust: NJ and NY — commercial building, liability, commercial auto, and workers compensation.
- Distinguished Programs: NY — commercial building and liability.
- Plymouth Rock: NJ and NY — commercial auto.
- Progressive: NJ and NY — commercial auto.
- Franklin Mutual (FMI): NJ, NY, PA — commercial property, liability, and workers compensation.
- Cumberland Mutual: NJ, PA, MD — commercial property, liability, and workers compensation.
- N&D Group: NJ and PA — commercial property and liability.
Working With an Independent Agency Across Multiple States
An independent agency with multi-state carrier appointments can coordinate coverage for businesses and properties in multiple states through a single agency relationship. This simplifies the renewal process, ensures that the same agency reviews all properties and operations together, and avoids the fragmentation of having separate agents in each state managing portions of the same portfolio.
Muller Insurance manages commercial insurance for clients with properties and operations across NJ, NY, CT, and PA. Contact us to discuss the coverage requirements for your specific business or property portfolio.
Contact Muller Insurance
For commercial insurance coverage in NJ, NY, CT, or PA, call Muller Insurance at 201-659-2403 or visit MullerInsurance.com. We hold carrier appointments across all four states and can coordinate coverage for businesses and properties wherever they are located.
