Cover Agency,Ltd
Wholesale Admitted & Excess
Standard & Non-Standard "Hard To Find"
Property & Casualty Insurance

Business Owner Policies Packages

Cover Agency's  Insurance Classes Summary

If you don't see it, ASK US!

BOPs, BOPs, BOPs - GENEROUS COMMISSIONS (up to 16% ), High Quality Insurers, Many Markets,  Extensive Coverages,  Aggressive Quotes:


Also, difficult to find: "Specialty Industry PACKAGES" Available.

BOP Lessor Risk 1- 4 Family Property & Liability

BOP: Commercial Lessor Risk, Property & Liability

BOP" Artisan BOP Package or Liability Insurance only.

BOP Straight Forward Standard BOP with or Without Coverage Enhancements

BOP Enhanced with "$2,000,000 / $4,000,000 Basic Liability" (low cost)

BOP Enhanced with" Management Liability", including Employment Practices, etc

BOP Enhancement with" Cyber Privacy Liability & Data Breach Insurance"

BOP Enhancement with "Excess / Umbrella Liability"

BOP Enhancement  with "Professional Liability"

BIO -Technology Company Packagegeneral liability, inland marine, crime, umbrella liability and automobile. Available in conjunction with Products liability insurance & Completed operations insurance, Umbrella /Excess liability.

LIFE Sciences Package (USA): P&C, Business Income, Inland Marine Coverages, Equipment Breakdown, Crime, Auto - Available in conjunction with products liability insurance & completed operations insurance. Unbrella/ excess liability.

LIFE Sciences Package (INTERNATIONAL): Argentina, Australia, Austria, Bahrain, Belgium, Brazil, Canada, Chile, Colombia, Czech Republic, Denmark, Ecuador, Egypt, Finland, France, Germany, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Italy, Japan, Korea (Republic of), Luxembourg, Malaysia, Malta, Mexico, Netherlands, New Zealand, Norway (medical devices only), Panama, Peru, Philippines, Poland, Portugal, Puerto Rico, Russia, Saudi Arabia, Singapore, South Africa, Spain, Sweden, Switzerland, Taiwan, Thailand, Turkey, United Kingdom, Vietnam, Albania, Algeria, Angola, Armenia, Azerbaijan, Bosnia and Herzegovina, Bulgaria, Cambodia, Cameroon, Chad, China, Croatia, Dominican Republic, Estonia, Gabon, Georgia, Ghana, Greece, Guatemala, India, Israel, Jordan, Kazakhstan, Kenya, Kuwait, Latvia, Lebanon, Lithuania, Macedonia, Malawi, Monaco, Morocco, Nigeria, Oman, Paraguay, Qatar,  Romania, Saudi Arabia, Serbia, Slovakia, Slovenia, Tanzania, Tunisia, United Arab Emirates, Uganda, Uruguay, Uzbekistan, Venezuela.

Medical Facilities Package:  Home Healthcare Agencies, Hospice Facilities, Staffing/Nurse Registries, Lithotripsy Centers, Student Health Center.Dialysis Center, Imaging Facility, Physical, Occupational or Speech Therapy Center, County Health Department, Medical Related School, Ambulatory Surgery Center, Community Health Center, Rehabilitation Center. Mental Health Center, Clinic, Laboratory, Pharmac, Cancer Treatment Facility, Optical Establishment, Durable Medical Equipment, Blood Bank, Blood/ Tissue/Organ Procurement, Non-Emergency Transport, Weight Loss Center, Health & Wellness Center, Correctional Health Care, Fertility Clinic, Stem Cell Therapy, Telemedicine, Genetic/DNA/Forensic Testing, Sleep/Apnea Clinic, Humanitarian Medical Relief Organization. COMPREHENSIVECOVERAGES AVAILABLE.

Energy Industry: Operators & Contractors Packages

Energy Industry: Utility & Power Generation Packages

Renewable Energy Industries Packages

Renewable Energy: Power Generation Packages

Renewable Energy: Utility Operators Packages

Renewable Energy: Wind Power Generation Package

Renewable Energy: Solar Power Generation Packages

Renewable Energy: Independent Power Producers Packages

Renewable Energy: Biomass Utilization

Renewable Energy: Gasification Plants

Renewable Energy: Hydroelectric Generation

Renewable Energy: Thermal Generation

Renewable Energy: Waste to Energy

Renewable Energy: Manufacturer Package with Property and Casualty Coverages

Bio-Fuel Plants Insurance Packages

Bio-Fuel : Ethanol or Biodiesel Plants Packages

Bio-Fuel Plants: Landfill Gas Recovery Packages

Bio-fuel Plants: Anaerobic Digestion Gas Recovery Packages

Bio-fuel Plants: Refuse Derived Fuels Packages

Bio-fuel Plants: Coal Bed Methane Packages

Bio-fuel Plants: Algae Packages

Component Part Original Equipment Manufacturer (OEM) Packages

Component Part: Emerging & Evolving Renewable Energy Technology Manufacturer Packages Compenent Part: Photovoltaic Panel Manufacturer Packages

Component Part: Solar Panel Manufacturer Packages

Component Part: Wind Turbine Parts Manufacturer Packages 

Entertainment and Hospitality Industry Casualty Packages for ( Small to Large Customers):

1.     Resorts & Hotels,

2.     Outdoors & Recreational Equipment Manufacturers & Retail Stores,

3.     Amusement Ride Manufacturers

4.     Casinos and Gaming Operations

5.     Race Tracks

6.     Special Events

7.     Sports Stadiums, Arenas and similar venues

8.     Water parks

Hazardous Material and General Freight Transportation Protection Package

Hazardous Waste Transporters, including Pollution Coverage Package (Important Coverage)

Hazardous Transporters: Typical Hazard Material Package


Professional Liability + General Liability Package:

Environmental Contractors, 

Skilled nursing facility,

 Assisted living facility,

 Independent living unit,

Continuing care retirement community,

Ask Us!

Community Association Package

Digital Technology  E&O / Cyber Insurance Package

Environmental Pollution + General Contractor Liability Package

Public Entity and Municipality Property & Liability Package

Recreation Industry Package

Sports Industry Package

Vacant Building  Property and Liability Insurance Package

Business / Professional  "International Travel Insurance" Package, includies:  Medical + AD&D + Liability (Auto, Business, Products, Contractor Liability) + Kidnap + Property Insurance (Business, Personal, Real Estate), Emergency Assistance,  Repatriation.

Accountant Business / Professional  "International Travel Insurance" Package

Lawyer Accountant Business / Professional  "International Travel Insurance" Package

Communications & Broadcaster Property Insurance Package

Cellular and telephone operations,  Radio and television broadcasting operations.

Includes HIGH VALUE EQUIPMENT. Coverage for Towers and Antennas,  Building  and Contents, Liability, Business Interruption, Crime, Media Software, Mobile Broadcasting Equipment.

Engineered  Risk Coverages: "Comprehensive Permanent Property Insurance Package"  for civil projects for U.S. transportation & utility infrastructure.

Bridge & Tunnel Authority, Civil Works, Infrastructure Property, Container Crane, Dam, Turnpike Authority, Ports- Piers-Equipment, Railroad & Airport Authority, Utility, ASK US! Coverages- Property damage, business interruption/Loss of Revenue, debris removal, More.

Architects Professional Liability

Aviation Insurance

Bank Loan Credit Insurance (Quality, Credit Enhancement )


Commercial Umbrella Liability

Commercial Umbrella Liability / Excess Liability

Builders' Risk (Construction Risk): Contractor, developer, owner or home builder with active construction program and strong property preservation management approach..

Contract Bond Program  - Performance, Payment, Labor, Material, Maintenance, Supply Bond, Bid

Contractor Equipment Insurance (Inland Marine): Comprehensive insurance to meet the needs of clients in the construction industry

Contractor Environmental Pollution  Liability

Contractor Liability

Contractor Surety Performance Guarantee Bonds (including SBA)

Counseling Center Coverage

Credit Insurance (USA) - Receivables & Long Term (Optional: Political Risk Coverage)

International Credit Insurance (and Political Risk Insurance)

Cyber Privacy Liability & Data Breach

Cyber Liability Package

Directors and Officers Liability Insurance

Employment Practices Liability Insurance

Environmental Consultant Professional Liability

Environmental Liability Insurance

Engineers Professional Liability Insurance

Event Cancellation, Special Event Liability,  Weather Insurance, and Prize Indemnity Insurance

Excess Error & Omission Liability Insurance

Excess Liability - Capacity from $1,000,000 to $50,000,000

Fidelity and Crime Insurance

Health Provider Insurance

VERY High Limit Disability Income Protection- including Lump Sum Payment.

Homeowner's Association Coverage

Homeowner's Insurance - NY; "Standard Deductible" includes WIND/HURRICANE

Inland Marine Coverage (including Contractor Equipment and other types of equipment)

International Medical Insurance (For expatriates, etc)

International Travel Insurance

International Business Insurance Available with many commercial  packages.

Kidnap, Ransom, Extortion and Detention Insurance; $50,000,000 Maximum Limit

SPECIALTY LIABILITY Products Packages: for Biotechnology, Specialty Pharmaceutical, Medical Device Companies and Human Clinical Trials.

Malpractice Insurance - Lawyer,  Other Professionals

MEDICAL RISK Insurance: specialty liability products focusing on biotechnology, specialty pharmaceutical, medical device companies and human clinical trials.

Medical Center Packages

Medical Clinic Coverage

Motor Truck Cargo Insurance

Nursing Home Coverage

Ocean Marine Insurance

Lessor Risk Liability  (or BOP)

Liquor Liability

Management Liability - Both "For Profit" and "Non-Profit" Entity Insurance.

Product Liability - Many Classes

Product Liability / Completed Operations Liability for  biotechnology, specialty pharmaceutical and non-implantable medical device companies

Product Contamination

Product "Government Recall"  Coverage

Food Products "Restaurant Contamination"; Accidental and Malicious Tampering

Professional Liability - Many classes, including Professionals, Design / build firm, Geotechnical engineer, Testing laboratory, Landscape Architect,  Forensic expert consultant, Technical consultant,  Scientist, MORE!

World Wide  Professional Liability Coverage

 Substance Abuse Counseling Center Coverage

Surety Bond / Fidelity Bond

Surveyors, Consultants, Construction Managers Professional Liability

Tank Liability - Underground /Above Ground Liability

Terrorism & Sabotage Insurance, Including  Riots, Civil Commotion, Malicious Damage, Strikes;              World Wide Coverage - $300,000,000 Maximum Limit

Truck Insurance

Vacant Building Liability Insurance

Vacant Land Liability Insurance

Workers Compensation - Most States


Questions, Contact:

Priscilla Li, Vice President

Office Phones: (718) 591-2400

After Hours - New Inquiries: please text for prompt response: (347) 551-0800


Executive Offices:
179-14 Union Turnpike
Fresh Meadows, New York 11366

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