What can be packaged?
A business owners policy (BOP) generally combines general liability, business property and business income. A commercial package policy (CPP) offers more flexibility. Eligibility and included coverage vary by carrier.
Your property. Your business.
Built around
what you’ve
built.
Insurance options for rental properties and Long Island businesses. Get personal guidance on the coverage that fits your needs.
Local perspective•A real person to talk to
A property is more than an address.Let’s look at how it’s used—and what needs protection.
RENTAL PROPERTIESCONTRACTORSRESTAURANTSRETAIL STORESCOMMERCIAL BUILDINGS
For rental property owners
Your investment.
A plan to protect it.
A rental property has different insurance needs than the home you live in. We’ll review occupancy, property details and liability exposures to help you explore your options.
Request a landlord quoteHave a current policy? Your declarations page is a helpful starting point.
01
Rental property coverage
Explore protection for the dwelling and other insured property against covered losses.
02
Premises liability
Review liability protection for covered injuries or property damage associated with your rental.
03
Loss of rental income
Consider coverage for lost rental income after covered property damage, subject to policy terms.
04
Additional protection
Discuss umbrella, flood and other options based on your property’s exposures and carrier availability.
For business owners
Different businesses.
Different exposures.
Your work, your people and your premises shape your insurance needs. Start with your business type.
ON THE JOB. BETWEEN JOBS.
Coverage that follows the work.
From jobsite liability to the tools in your truck, a contractor’s exposures extend beyond the office.
Subcontractor conditions, height restrictions, completed operations and employee-injury exclusions deserve a close review.
- General liability & completed operations
- Tools, equipment & inland marine
- Workers’ compensation
- Commercial auto
- Umbrella / excess liability
- Builders risk
- Bonds, when required
- Professional / pollution, as applicable
FROM THE KITCHEN TO THE TABLE
Keep the whole operation in view.
Equipment, employees, guests and deliveries all bring different risks. Alcohol service adds another exposure to review.
If you lease, check responsibility for the kitchen buildout, glass and landlord insurance requirements.
- General liability
- Property & tenant improvements
- Business income / extra expense
- Equipment breakdown & spoilage
- Liquor liability, if applicable
- Workers’ compensation
- Auto / delivery exposures
- Cyber, crime & employee claims
BEHIND EVERY OPEN SIGN
Protection beyond the storefront.
Consider your inventory, customers and staff alongside the risks that come with online sales or deliveries.
Tenant improvements, seasonal inventory and off-site events may need specific attention.
- General liability / products liability
- Merchandise, fixtures & equipment
- Tenant improvements
- Business income / extra expense
- Workers’ compensation
- Commercial / hired & non-owned auto
- Cyber & crime
- Umbrella / excess liability
FOR COMMERCIAL PROPERTY OWNERS
Look at the building—and its use.
A building’s construction, tenants and occupancy matter. Share the tenant mix and property details so we can review the right exposures.
A restaurant or other specialized tenant can change the information carriers need.
- Building property coverage
- Premises liability
- Loss of rental income
- Equipment breakdown, as applicable
- Umbrella / excess liability
- Flood, based on exposure
- Vacancy / renovation exposures
- Lease-related requirements
What may need its own policy?
Workers’ compensation, NY disability / Paid Family Leave, commercial auto, umbrella, bonds and specialty coverages may be placed separately. A package is a starting point for reviewing your needs.
A straightforward starting point
Tell us what you need.
We’ll help you take the next step.
Your property or business
Start with a quote request. Tell us how the property is occupied or what your business does.
Your current coverage
Share declarations pages if available. We may follow up for loss history, property values or other underwriting information.
Your coverage decisions
Review available options, limits and exclusions with an agent before choosing coverage.
Does my homeowners policy cover a rental property?
A policy designed for an owner-occupied home may not fit a rental. Tell your agent about tenant occupancy, vacancies, short-term rentals or any change in use so the appropriate policy can be reviewed.
If I lease my business space, do I need property insurance?
The landlord generally insures the building. You may still need coverage for inventory, equipment, furnishings and tenant improvements. Your lease may set additional requirements.
Does submitting a quote request start coverage?
No. A request starts the review process. Coverage must be confirmed and bound through the appropriate carrier or authorized representative.
Let’s start a conversation
Two ways to get started.
One person to help.
Choose the request that fits. Share what you know—we can follow up for any additional information needed.
Rental property owners
Landlord insurance
For tenant-occupied homes and rental properties. Start with the property address, occupancy and basic details.
Start a landlord requestBusiness & building owners
Commercial insurance
For contractors, restaurants, retailers and commercial property owners. Tell us about your operations.
Start a business requestForms open in a new tab. Requesting a quote does not bind coverage.
Meet Jared Garcia
Experienced perspective.
Local understanding.
I’m Jared Garcia, owner of BLI Insurance Agency and a Long Island business owner with more than 20 years of experience in real estate. As co-owner of Weichert, Realtors® – Performance Homes in Farmingdale, I understand the responsibilities that come with owning property, managing investments and running a business.
At BLI Insurance Agency, I work with landlords and business owners to understand their exposures and explore coverage that fits their needs. You can expect straightforward conversations, clear explanations and personal attention from someone who understands the local market.