--- title: "Commercial Property Insurance in New York" description: "Compare New York's NYPIUA fallback perils and confirm recent changes to its fire-policy application process." canonical: "https://spot.insure/coverage/commercial-property/new-york" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/commercial-property/new-york) # Commercial Property Insurance in New York New York's residual-market NYPIUA commercial policy separates mandatory Group I causes—fire, lightning, explosion, vandalism, and sprinkler leakage—from optional Group II wind, hail, smoke, aircraft or vehicle, and riot coverage. New York repealed Insurance Law §3403 effective October 17, 2025, and NYPIUA says the anti-arson form is no longer required for new business, renewals, or endorsements effective on or after that date; use the current application and declarations to confirm selected perils and any updated submission items.[^1][^3][^2] **Coverage:** [Commercial property](/coverage/commercial-property) · [New York](/coverage/states/new-york) ## What Is Commercial Property? Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [Read the national Commercial property guide](/coverage/commercial-property). ## What to Watch for in New York ### Confirm Optional Wind and Hail NYPIUA's commercial page lists windstorm or hail in optional Group II, while Group I is mandatory and has a different peril list. If the residual-market option is quoted, confirm whether Group II was selected and compare its limit and deductible with any separate building coverage.[^1] ### Ask Whether Business Income Is Available NYDFS says NYPIUA may provide business-income insurance to manufacturing and non-manufacturing operations, while describing the pool as an option for buyers unable to obtain this property coverage from individual insurers. Ask whether your business class and requested income limit are available on the actual quote.[^2] ### Use the Post-Repeal Application Chapter 439 of the 2025 laws repealed Insurance Law §3403, effective immediately; NYPIUA states it stopped requiring its Anti-Arson Form for new business, renewal, and endorsement effective October 17, 2025 or later. Ask the producer to use the current submission checklist and disregard any legacy form instruction that conflicts with the effective-date change.[^3][^4] ## Who Regulates Insurance in New York **New York State Department of Financial Services.** New York DFS supervises insurance companies and producers, administers insurance law and accepts consumer complaints about property and casualty policies, including commercial insurance.[^5][^6][^7][^8] - [Regulator website](https://www.dfs.ny.gov/) - [License lookup](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) - [File a complaint](https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint) - Phone: 800-342-3736 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3.6% of gross premium, less returned premium; ELANY stamping fee is 0.15% through 2026 and 0.17% for policies incepting on/after Jan. 1, 2027 When New York is the insured’s home state, excess-line tax is 3.6% of gross premium less returned premium. ELANY’s September 20, 2026 bulletin sets a 0.15% stamping fee through December 31, 2026 and 0.17% for policies incepting on or after January 1, 2027; statutory search requirements and guaranty-fund protection depend on the applicable New York excess-line rules.[^9][^10][^11][^12] [Excess Line Association of New York](https://www.elany.org/) ## Providers With Documented State Licenses These providers publish a national listing for Commercial property; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in New York; [check the regulator’s license lookup](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) and confirm state availability for your business when requesting a quote. - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^17] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^18] ## Questions to Ask Before You Buy in New York 1. Does this NYPIUA quote include optional Group II wind and hail, or only mandatory Group I causes? 2. Can NYPIUA offer business-income coverage for my type of operation, and what physical-loss trigger and restoration period apply? 3. Is this application using the post-October 17, 2025 process, without a superseded Anti-Arson Form requirement? 4. Which standard-market carriers were approached before the residual-market proposal, and how do their limits and perils compare? ## Commercial Property in New York: FAQ ### Is windstorm coverage included in every NYPIUA commercial policy? No. NYPIUA lists windstorm or hail in optional Group II coverage, separate from mandatory Group I causes; check the quote to see whether it was selected.[^1] ### Does a New York commercial property applicant still need NYPIUA's Anti-Arson Form? No for new business, renewals, and endorsements effective on or after October 17, 2025, according to NYPIUA's notice following repeal of Insurance Law §3403.[^3][^4] ## Commercial Property in Other States - [Alabama](/coverage/commercial-property/alabama) - [Alaska](/coverage/commercial-property/alaska) - [Arizona](/coverage/commercial-property/arizona) - [Arkansas](/coverage/commercial-property/arkansas) - [California](/coverage/commercial-property/california) - [Colorado](/coverage/commercial-property/colorado) - [Connecticut](/coverage/commercial-property/connecticut) - [Delaware](/coverage/commercial-property/delaware) - [District of Columbia](/coverage/commercial-property/district-of-columbia) - [Florida](/coverage/commercial-property/florida) - [Georgia](/coverage/commercial-property/georgia) - [Hawaii](/coverage/commercial-property/hawaii) - [Idaho](/coverage/commercial-property/idaho) - [Illinois](/coverage/commercial-property/illinois) - [Indiana](/coverage/commercial-property/indiana) - [Iowa](/coverage/commercial-property/iowa) - [Kansas](/coverage/commercial-property/kansas) - [Kentucky](/coverage/commercial-property/kentucky) - [Louisiana](/coverage/commercial-property/louisiana) - [Maine](/coverage/commercial-property/maine) - [Maryland](/coverage/commercial-property/maryland) - [Massachusetts](/coverage/commercial-property/massachusetts) - [Michigan](/coverage/commercial-property/michigan) - [Minnesota](/coverage/commercial-property/minnesota) - [Mississippi](/coverage/commercial-property/mississippi) - [Missouri](/coverage/commercial-property/missouri) - [Montana](/coverage/commercial-property/montana) - [Nebraska](/coverage/commercial-property/nebraska) - [Nevada](/coverage/commercial-property/nevada) - [New Hampshire](/coverage/commercial-property/new-hampshire) - [New Jersey](/coverage/commercial-property/new-jersey) - [New Mexico](/coverage/commercial-property/new-mexico) - [North Carolina](/coverage/commercial-property/north-carolina) - [North Dakota](/coverage/commercial-property/north-dakota) - [Ohio](/coverage/commercial-property/ohio) - [Oklahoma](/coverage/commercial-property/oklahoma) - [Oregon](/coverage/commercial-property/oregon) - [Pennsylvania](/coverage/commercial-property/pennsylvania) - [Rhode Island](/coverage/commercial-property/rhode-island) - [South Carolina](/coverage/commercial-property/south-carolina) - [South Dakota](/coverage/commercial-property/south-dakota) - [Tennessee](/coverage/commercial-property/tennessee) - [Texas](/coverage/commercial-property/texas) - [Utah](/coverage/commercial-property/utah) - [Vermont](/coverage/commercial-property/vermont) - [Virginia](/coverage/commercial-property/virginia) - [Washington](/coverage/commercial-property/washington) - [West Virginia](/coverage/commercial-property/west-virginia) - [Wisconsin](/coverage/commercial-property/wisconsin) - [Wyoming](/coverage/commercial-property/wyoming) [Other Coverage in New York](/coverage/states/new-york) ## Sources [^1]: [Commercial Property Insurance](https://www.nypiua.com/insurance/commercial-property) — New York Property Insurance Underwriting Association; Commercial coverage table: mandatory Group I and optional Group II perils. Accessed 2026-09-28. [^2]: [Information for Small Businesses](https://www.dfs.ny.gov/consumers/small_businesses) — New York State Department of Financial Services; Property/Casualty; Problems Obtaining Insurance; NYPIUA scope and business-income availability. Accessed 2026-09-28. [^3]: [2025-S4157, Repeal of Anti-Arson Application Requirements](https://www.nysenate.gov/legislation/bills/2025/S4157) — New York State Senate; Chapter 439; repeal of Insurance Law §3403 and effective-date clause; signed October 16, 2025. Accessed 2026-09-28. [^4]: [Anti-Arson Application](https://www.nypiua.com/policy/anti-arson) — New York Property Insurance Underwriting Association; Notice effective October 17, 2025, new business, renewal and endorsement scope. Accessed 2026-09-28. [^5]: [New York State Department of Financial Services](https://www.dfs.ny.gov/) — New York State Department of Financial Services; Official regulator homepage.. Accessed 2026-09-28. [^6]: [Who We Supervise](https://www.dfs.ny.gov/who_we_supervise) — New York State Department of Financial Services; DFS describes insurance oversight and provides links to company and producer searches.. Accessed 2026-09-28. [^7]: [Insurance License Search](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) — New York State Department of Financial Services; DFS portal performs public insurance producer license searches; it displays a CAPTCHA to limit automated access.. Accessed 2026-09-28. [^8]: [Consumer Complaints](https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint) — New York State Department of Financial Services; Official portal files insurance complaints for health, life and property/casualty insurance.. Accessed 2026-09-28. [^9]: [New York Insurance Law §2118(d)(1)](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Current statutory text: 3.6% of gross premiums less returned premium when New York is the insured’s home state.. Accessed 2026-09-28. [^10]: [ELANY Bulletin 2026-20: Notice of Change in Stamping Fee](https://www.elany.org/docs/default-source/bulletins/stamping-fee-change-09222026.pdf?sfvrsn=169bd4c3_3) — Excess Line Association of New York; September 20, 2026 bulletin: 0.17% applies to policies incepting from Jan. 1, 2027; endorsements on policies incepting Jan. 1, 2023–Dec. 31, 2026 retain 0.15%; excess-line tax remains 3.6%.. Accessed 2026-09-28. [^11]: [New York Insurance Law §2118](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Excess-line broker duties and filing requirements; §2118(a) due care; exceptions should be applied only where statutory conditions are met.. Accessed 2026-09-28. [^12]: [New York Insurance Law §2118](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Excess-line statutory duties and policies; source is used for placement context. No state-specific guaranty cap/note included.. Accessed 2026-09-28. [^13]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^14]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^15]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^16]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^17]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^18]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/commercial-property/new-york.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)