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Owner- and tenant-occupied properties – NYC

brownstone buildings

Zurich’s New York Brick & Brownstone program offers insurance coverage to qualified properties that are located in the New York City boroughs of Manhattan, Brooklyn, and Queens.


  • Brownstones, condos, co-ops, row housing and apartment buildings
  • 1-30 units
  • Residential properties, including mixed-use properties with at least 50% residential
  • Joisted masonry or better

Ineligible risks:

  • Homeless shelters
  • Emergency shelters
  • Mental health facilities
  • Single-room occupancy
  • Artist lofts
  • Fraternity, sorority, student, senior housing
  • Short-term rentals


  • New York City boroughs of Manhattan, Brooklyn and Queens

Submission requirements:

  • NYBB Application
  • Underwriter review

Coverages offered:

  • Commercial Package
  • Commercial Property
  • Commercial General Liability
  • Equipment Breakdown
  • Ordinance or Law
  • Earthquake
  • Flood
  • Backup of Sewer and Drains
  • Business Income (including rental value with extra expense)
  • Replacement Cost
  • Employee Theft
  • Non-Owned and Hired Auto
  • Personal lines for 2-4 owner-occupied: Liability, Personal Property (including fine art, musical instruments, antiques, jewelry)

Coverage limits:

  • Deductible options from $1,000 to $10,000
  • TIV up to million
  • General Liability
    • $1 million per occurrence
    • $2 million aggregate on bodily injury, property damage, personal or advertising injury
    • Medical payments $5,000/person and $25,000/accident
  • Personal Liability (when applicable) $1 million per occurrence

Admitted or non-admitted:

  • Admitted

Additional program highlights:

  • Terrorism included
  • Hired and non-owned Auto Liability optional
  • Personal Inland Marine available for fine arts, furs, jewelry, silver, bicycles, antiques, musical instruments, cameras
  • Personal Liability