Whether you own the building, manage it, sell it, or build on it, we place the coverage New York actually requires. Independent broker since 1947.
Get a QuoteLeading NYC building owners, managers, and brokerages trust Serhey Davidson for their commercial insurance.
Brownstones, co-ops, condos, mixed-use and institutional portfolios. Property, general liability, umbrella, and the coverage gaps that show up after a loss rather than before one.
Building owner coverage→Managing agents, boards, and residential brokerages across the five boroughs. E&O, general liability, and the certificate management that keeps deals moving.
Real estate coverage→NYC construction is the hardest liability market in the country because of Labor Law 240 and 241. We place general liability without the Action Over exclusion that makes most contractor policies worthless in a fall claim.
Contractor coverage→
Over 79 years ago, Phil Robbins founded Serhey Davidson Corp a block from Wall Street, starting with a single policy to serve local businesses. His son, Herb, continued this legacy, enhancing the company's reputation in commercial insurance.
In 1965, Phil Robbins was recognized as the #1 producer in the United States for Health Insurance—a testament to his dedication and the company's early success.
Today, the third-generation leader, Lacey Riger, upholds these values, infusing traditional principles with modern strategies. Her expertise in Construction Risk Insurance has propelled the company into a new era of success and innovation. Explore our journey from Phil Robbins to Lacey Riger and discover how we've been shaping the insurance industry for over seven decades.
When someone sues over an injury or damage
Safeguard your business with comprehensive general liability insurance, providing the first line of defense against common liability claims. This essential coverage protects your business from claims of bodily injury, property damage, and personal injury that may arise from your operations, products, or services.
Learn more→When an employee gets hurt on the job
New York requires workers compensation for nearly every employer. The policy pays medical costs and wage replacement when someone is hurt on the job, and it includes employers liability for related suits. Class codes, 1099 treatment, and your experience mod are where the real money is won or lost.
Learn more→When your vehicles are on the road for business
Drive with confidence knowing your commercial vehicles are covered against on-road risks with our tailored auto policies. Whether you have a single vehicle or a fleet, we provide comprehensive coverage designed for business use.
Learn more→When a project is underway and not yet finished
Secure your construction projects from start to finish with our builders risk insurance, covering property and materials during construction. This essential coverage protects your investment from the moment construction begins until the project is completed and accepted.
Learn more→When tools walk off a jobsite
Protect portable tools and equipment, in addition to larger items that are transported, stored on the jobsite, or situated somewhere away from the project. This coverage is essential for construction and contracting businesses that rely on valuable equipment.
Learn more→When a contractor's work creates liability for you
Mitigate liability risks in construction with our owners/contractors protective insurance, designed to safeguard the interests of property owners and contractors. This coverage protects against liability arising from operations performed by contractors or subcontractors.
Learn more→
Read what our clients have to say about working with Serhey Davidson
2 days ago
Lacey is very prompt, fast, professional, knowlegeable, with a great feeling at being serviced! The company's COI was written up in record time! Thankful..
5 days ago
Running a commercial cleaning company means insurance is what lets us walk into client buildings every day — and the Serhey Davidson team treats it that way. Their tagline is "check yourself before you wreck yourself," and they live it: they track my renewal timelines so nothing ever lapses, and when I call, a real person actually answers. If coverage gaps can cost you contracts, this is who you want watching your back. They are an extension of our team.
6 days ago
I've worked with Lacey and the Serhey Davidson team for over 8 years now. They're professional, honest, reliable, and always a pleasure to work with. I really value the relationship we've built over the years and wouldn't hesitate to recommend them. Thank you for all your help and support throughout the years!
The type of insurance you need depends on your business type, size, and industry. Generally, most businesses need general liability insurance, and if you have employees, workers' compensation is required by law in most states. We can help assess your specific needs.
General liability covers bodily injury, property damage, and personal injury claims that occur on your premises or as a result of your operations. Professional liability (errors & omissions) covers claims related to professional mistakes, negligence, or failure to perform professional duties.
Generally, subcontractors should have their own insurance. However, you may need additional coverage or endorsements to protect yourself if a subcontractor's work causes damage. We can review your specific situation and recommend the appropriate coverage.
Workers' compensation is required by law in most states, regardless of the number of employees. It protects both you and your employees by covering medical expenses and lost wages for work-related injuries, while also protecting your business from lawsuits.
Typically, your commercial auto policy doesn't cover employees' personal vehicles. You may need hired and non-owned auto liability coverage to protect your business when employees use their own vehicles for work purposes.