Business Insurance in NYC Built for How Your Company Actually Operates

You've outgrown the generic small-business policy. Your operation has real exposure — employees, property, contracts, liability, maybe a liquor license or a production schedule — and a template policy from a direct carrier isn't going to catch what could go wrong. KJE is an independent commercial insurance broker serving mid-sized businesses across New York City, Manhattan, Long Island, Westchester, and the Hamptons.

Commercial Coverage for Businesses Doing $1–25M in Revenue

The middle market is an awkward place to be when it comes to insurance. You're too complex for a direct-to-consumer carrier, and too small to command real attention at a large brokerage house. Most businesses in this range end up with a policy that was designed for someone smaller — and they don't find out until something goes wrong.



KJE structures commercial lines coverage around what your business actually does. That starts with understanding your operation — your revenue, your headcount, your contracts, your physical footprint, your industry exposure — and then going to market for coverage that reflects it. We act as your commercial insurance broker in Manhattan and across the NYC metro, and we stay in the conversation as your business grows and changes.

Business Insurance Coverage We Place

Every business carries a different risk profile. These are the commercial lines we place for clients across the New York metro and beyond.

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Restaurant Insurance

Liquor liability, business interruption, general liability, property, and workers' compensation for NYC's restaurant and hospitality operators. Built around the real exposure of a food and beverage business, not a generic retail policy.

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Entertainment and Media Insurance

Production insurance, errors and omissions, and media liability for companies and professionals in film, television, advertising, and entertainment. Placed by a brokerage with bicoastal reach across New York and Los Angeles.

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Commercial Property Insurance

Building, contents, and loss of income coverage for commercial property owners and tenants across the NYC metro. Structured around the actual replacement value of your space and what it costs to keep operating if something interrupts it.

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Cyber Liability Insurance

Data breach response, business interruption, and third-party liability coverage for businesses that store customer data, process payments, or rely on digital infrastructure. A line of coverage most mid-sized businesses carry too little of.

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Employment Practices Liability Insurance

Protection against claims of wrongful termination, discrimination, harassment, and related employment disputes. Increasingly essential for any business with employees — and frequently overlooked until a claim arrives.

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Industries We Work With

KJE's commercial practice is concentrated in industries where the exposure profile is specific enough that a generalist approach leaves real gaps.

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Restaurants and hospitality — liquor liability, food spoilage, business interruption, and the layered exposure of a high-traffic operation

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Entertainment and media — production risk, intellectual property, errors and omissions, and the bicoastal complexity of film, television, and advertising

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Commercial real estate — building owners, landlords, and tenants across the NYC metro with property and liability exposure that changes as leases and occupancy change

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Professional services — consulting firms, agencies, and service businesses with contract liability, EPLI exposure, and cyber risk

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Retail and consumer businesses — general liability, property, and workers' compensation for consumer-facing operations across New York

What Makes an Independent Broker Different From a Direct Carrier

When you buy business insurance directly from a carrier, you get one company's product at that company's price. An independent commercial lines broker works differently. We access multiple carriers and place your coverage with the one that best fits your risk profile — not the one that's easiest to sell.


For a mid-sized business in New York, that difference is meaningful. It affects what's covered, what's excluded, how claims are handled, and what your premium looks like at renewal. It also affects who picks up the phone when something goes wrong.

Frequently Asked Questions

  • What business insurance does a small business in NYC need?

    Most businesses need at minimum general liability, commercial property, and workers' compensation. Beyond that, the right coverage depends on your industry, your contracts, your headcount, and your specific exposure. A mid-sized business doing $1–25M in revenue typically needs a more structured approach than a standard BOP provides — that's where an independent broker adds real value.

  • What does a commercial insurance broker in Manhattan do?

    A commercial broker assesses your business's risk profile, goes to market across multiple carriers, and places coverage that fits your actual operation. They also stay in contact after the policy is bound — reviewing coverage annually and flagging gaps as your business changes.

  • Is KJE the right fit for a business doing $5 million in revenue?

    Yes. KJE's commercial practice is built around businesses doing $1–25M in annual revenue — accounts that have outgrown direct carriers but aren't large enough to get real attention at a national brokerage. A $5M revenue business is exactly the kind of account we're structured to serve well.

  • What commercial insurance does a mid-sized business in New York need?

    It depends on your industry and how you operate, but mid-sized businesses in New York typically need general liability, commercial property, cyber liability, EPLI, and industry-specific coverage layered on top. The best starting point is a conversation about what your business does and where your exposure actually lives.

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Serving Commercial Clients Across New York and Beyond

KJE places business insurance for commercial clients across New York City, Long Island, Westchester County, and the Hamptons. Our entertainment and media practice extends to Los Angeles, where we serve production companies, agencies, and media professionals on the West Coast.


If your business is in New York City, we work with clients in Midtown, Tribeca, SoHo, Chelsea, the West Village, the Upper East Side, and the Upper West Side. For businesses outside the city, our commercial lines practice covers the full New York metro area.