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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.

Insurance agents

Business owners

Contact your insurance agent or broker for access.


  • 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