New York · Licensed nationwide
Your risk, shopped across 200+ carriers.
SP Coverage Inc is an independent property and casualty brokerage. We compare the market for contractors, owners, drivers and families, then stay with you after the policy is placed.
Who we work with
Built for the people who build, drive, own and run things
Select any of these to start a quote for that kind of risk.
Contractors and trades
General liability, workers' compensation, tools and equipment, and the bonds your jobs require.
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Fleets and work vehicles
Commercial auto, trucking and motor carrier coverage, from one van to a full fleet.
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Homes and families
Homeowners, auto, flood and umbrella policies that fit together.
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Landlords and buildings
Apartments, mixed-use, vacant and hard-to-place properties.
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Main Street businesses
Business owner's policies, property, liability and more.
Start a quoteCoverage finder
Not sure what you need?
Describe your situation in your own words. We'll point to the coverages that usually fit. An agent confirms everything with you before you buy.
The process
How it works
You make one request. We handle the rest of the market.
Tell us the risk
Send a request or call. We ask only what a carrier needs to price you correctly.
We shop the market
We go through our carrier appointments and compare coverage, limits, exclusions and price side by side.
You choose, we place it
We explain the options plainly, place the policy, and handle certificates, changes and renewals.
About the agency
An independent brokerage with more than ten years behind it
SP Coverage Inc is a New York brokerage licensed nationwide. We are not tied to one insurance company, so our job is to find the policy that fits your risk, whoever writes it.
Tell us what you need covered.
Property and casualty is our whole business. If it's insurable, we'll find out who will write it.
Coverage schedule
What we write
If it falls under property and casualty, we can place it. Select any line to start a quote for it.
Don't see your risk?
Vacant buildings, trades, one-off projects and unusual risks are part of what we do every week. We know which carriers say yes.
Carriers and market partners
More markets, more options
We have access to more than 200 carriers and markets, so we can compare more options for your risk than any single company can. These are some of the partners we work with.
Agency network
Agentero
An agency network that gives independent agents access to multiple carriers through one portal.
Wholesale
Simon Agency
A property and casualty wholesaler offering commercial and personal lines products and market access to retail brokers.
Insurance exchange
Bolt Insurance
A property and casualty insurance exchange that compares quotes from multiple carriers across personal and business lines.
Wholesale broker
London Underwriters
A wholesale broker with online quoting platforms and more than 100 additional markets, including builders risk, flood, workers' comp, marine and excess and surplus lines.
Market access platform
First Connect
A platform that gives agents access to 150+ carriers, with quoting and binding in one place.
And many more
200+ in all
Admitted carriers, surplus lines markets and specialty programs, matched to your risk.
Carrier appointments and availability vary by state and by risk. A quote request does not bind coverage.
Want to know who can write your risk?
Send it over and we'll tell you where it can go.
Questions
Straight answers
The things we get asked every week.
What does an independent brokerage mean?
We are not owned by or tied to one insurance company. We work for you, and we compare policies from many carriers to find the best fit for your risk and your budget.
Why use a broker instead of going straight to one insurance company?
A single company can only offer its own products. A broker can approach many companies at once, including ones that don't sell directly to the public, and can explain the differences in coverage, not just price.
What do I need to get a quote?
For a business, we usually need the type of work you do, your revenue or payroll, and any past claims. For a property, we need the address, the year it was built, how it's used and what it's worth. If you're not sure, send what you have and we'll ask for the rest.
How fast can I get coverage?
Many policies can be placed quickly once we have the information we need. Timing depends on the carrier and the risk, and harder risks take longer. Tell us your deadline when you send your request.
What is a certificate of insurance (COI)?
A COI is a one-page proof that you have insurance. Landlords, clients and general contractors often ask for one. If your policy was placed through SP Coverage Inc, use the Request a COI form and tell us who needs it.
Can you insure vacant buildings and hard-to-place risks?
Yes. We work with markets that specialize in vacant properties, trades, builders risk and other risks that standard carriers pass on. Availability varies by risk, so send us the details.
Does asking for a quote commit me to anything?
No. A quote request is free and does not bind coverage. Coverage begins only when it is confirmed in writing.
Do you sell life or health insurance?
No. Property and casualty is all we do, so we can do it well.
Are you licensed in my state?
We are licensed nationwide. If you have a risk anywhere in the country, send it over.
Contact us
How can we help?
Choose what you need and fill in the form. We'll reply as soon as we can.