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Every New York registrant needs liability. The interesting part is everything after that: collision, comprehensive, uninsured motorist, and the discounts most people never get asked about.

We check for the accident prevention course credit, the good student discount, the homeowner discount, and credits for dual airbags, anti-lock brakes and daytime running lights.

Your house is probably the thing you could least afford to replace, which is why the policy deserves more than fifteen minutes of attention once a decade.

Two things worth reviewing every renewal: your hurricane deductible, which is a percentage rather than a flat number and surprises people, and the credits available for safety devices.

The building's master policy stops somewhere, and where it stops is different in every association. Usually you're responsible for your floors, walls, cabinets and fixtures, plus your own liability.

Bring us the association's policy and your by-laws. We'll read them and tell you exactly where the seam is.

Your landlord's policy covers the building. It does not cover your clothes, your furniture, your laptop, or a guest who slips in your kitchen.

It's usually the cheapest policy anyone will ever sell you, and it can be extended for a home office or high-value items.

The policy for property you own but don't live in: a rental unit, a two-family where you occupy one floor, an inherited house between tenants.

A homeowners form covers everything except what it excludes. A dwelling fire form covers only the perils it names. We'll walk you through which ones you're actually buying.

No standard home or business policy covers flood. None of them. This is the most common gap we find, and it isn't limited to waterfront addresses.

A flood policy protects the building and its contents, satisfies lender requirements, and pays whether or not a federal disaster is ever declared. We place these through Wright Flood.

An extra layer of liability sitting above your auto and home policies, taking over when their limits run out. It also reaches into some gaps between policies where no coverage exists at all.

It covers you, your spouse and every family member in the household, anywhere in the world, and it pays legal defence costs.

Most small businesses want one agent for all of it rather than four agents for four pieces. Property, general liability, inland marine, professional liability, errors and omissions, workers comp and disability, assembled to fit the actual business.

We write accountants, insurance agents, lawyers, computer consultants and jewellers' block policies among others.

Property, business interruption and general liability bundled for small to medium companies. It covers the building and contents, the operation of the business at its location, and liability from your products or completed work.

What a BOP does not include, and this catches people out: workers compensation, professional liability, and business vehicles.

The building, contents, equipment, inventory, computers, money and valuable papers. Plus the part that actually saves businesses: replacement of lost income while you're closed.

Coverage is designed around getting you trading again, not just cutting a cheque for the drywall.

Protection against claims arising from your operations, premises, products and contracts. Most commercial leases in this city require it before you get the keys.

If a landlord or client has sent you a certificate request with limits on it, send it to us and we'll tell you whether your current policy satisfies it.

Coverage for construction errors, yours and those of the people you hire. If you provide design as well as build services, this reaches further than a standard liability form.

It also covers mistakes made by third parties you've engaged, engineers included, which is the exposure most contractors carry personally without realising.

Wage replacement and medical benefits for employees injured at work. In New York this isn't optional for most employers, and it's usually the largest single line in a small business's insurance budget.

It's also the one the State checks. If you have employees and you're not sure you're compliant, that's a conversation for this week rather than next year.

Statutory short-term disability for off-the-job injury and illness, required of most New York employers alongside workers compensation. Paid Family Leave rides with it.

Individual disability income coverage is a separate product that replaces part of your own income if you can’t work. Definitions of "disabled" vary sharply between policies and that detail is the whole ballgame.

An additional layer above your general liability, commercial auto and employers liability limits. When a claim exceeds the underlying policy, this is what stands between the judgment and the business.

Increasingly required by contract rather than chosen. If a general contractor has asked you for higher limits, this is usually the cheapest route there.

Liability, collision, comprehensive, medical payments, personal injury protection and uninsured motorist, written for vehicles used in a business.

For trucks and tractors we add cargo and general liability. If you drive for hire in any form, your personal auto policy almost certainly excludes it, and this is the fix.

There are more health and dental plans on the market than there have ever been, and more of them are built around the trade-off between real financial protection and a premium you can actually budget for.

Tell us who needs covering, which doctors you want to keep, and what the household can absorb in a bad year. We'll find the plans that fit and say honestly where each one gets thin.