Package

• Focus: Apartments, condominiums, co-ops, commercial real estate, wholesale trade, retail, service classes, food establishments, and light manufacturing
• Pricing: Multiple tiers to address the insured's specific needs or exposures
• Territory: New York, New Jersey, Pennsylvania, Massachusetts, Maine, New Hampshire, Rhode Island, Vermont and Connecticut

Automobile

• Focus: One vehicle to large fleets operated by various industries in a local or intermediate radius
• Pricing: Multiple tiers to address the insured's specific needs or exposures
• Territory: New York and New Jersey
• Coverage is available on a supported or unsupported basis

Workers Compensation

• Focus: Service, retail, office, restaurants, and specified light manufacturing classes
• Pricing: Multiple tiers, Scheduled Rating Plans and deviations vary by state
• Territory: New York, New Jersey, Massachusetts, Maine, New Hampshire, Rhode Island, Vermont and Pennsylvania
• Coverage is available on a supported or unsupported basis

Businessowners

• Focus: Smaller accounts including service risks, food establishments, retail mercantile, apartment buildings, condominiums, co-ops, and commercial buildings
• Pricing: Multiple tiers to address the insured's specific needs or exposures
• Territory: New York, New Jersey,  Massachusetts, Pennsylvania, Maine, New Hampshire, Rhode Island and Vermont

Property

• Focus: Residential and commercial real estate buildings including apartments, condominiums, office buildings, shopping centers, distributors, restaurants, and light manufacturing
• Pricing: Multiple tiers to address the insured's specific needs or exposures
• Territory: New York, New Jersey, Pennsylvania, Massachusetts, Maine, New Hampshire, Rhode Island, Vermont and Connecticut
• Can be written mono-line or as part of a commercial package policy

General Liability

• Focus: Apartments, co-ops, condominiums, office and other commercial buildings, shopping centers, retail trades including grocery stores, wholesale distributors, restaurants, light manufacturing and artisan contractors
• Pricing: Multiple tiers to address the insured's specific needs or exposures
• Territory: New York, New Jersey, Pennsylvania, Massachusetts, Rhode Island, Maine, Virginia, D.C., New Hampshire, Vermont and Connecticut  
• Can be written mono-line or as part of a commercial package policy

Umbrella

• Focus: Commercial liability limits up to $5 million (over Tower Group underlying policies)
• Pricing: Standard tier
• Territory: New York , Pennsylvania, Massachusetts, Maine, New Hampshire and Vermont