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Insurance Products, Coverages & Options



Sullivan ​Insurance provides competitive coverage options for your commercial accounts and vehicles. Many clients use their business vehicles for personal use as well however, a commercial policy offers more coverage. The type of vehicle, weight of the vehicle, and how often you use it for business purposes, compared to personal use, will determine which option is best suited for you. Commercial coverage offers a higher liability limit which provides financial protection for you and your employee. Commercial Property insurance protects the place of business which would include tools and equipment whether or not they are owned or leased. 


Commercial Building Exterior


Contractors, Sub-Contractors, Independent Contractors carry a General Liability Policy and request specific certificates reflecting the location of work, the businesses on site, and the scope of work to be done prior to starting the job. A General Liability policy protects the contractor and the contractor's business from the cost of a claim or liability due to property damage and bodily injury. 

Owners and Contractors Protective Coverage Policy protects the named insured who hired the contractor from liability or property damage due to actions of the contractor on the project. 

A Business Owners Policy is combined with a General Liability Policy to ensure adequate coverage for the business owner and the business itself. 

Commercial Property insurance protects the place of business which would include tools and equipment whether or not they are owned or leased. 

Business Income insurance covers the loss of income in the event you cannot operate your business due to covered property damage. 

Construction site visitor


Every business is unique. Sullivan Insurance provides coverage tailored to fit your needs. Some states require certain coverages by law and our team of highly trained and licensed professionals will help you to meet these specific requirements. 

Insuring your business with adequate coverage helps protect you, as an owner and your private assets, from being held liable for accidents, legal fees, employee related injuries, property damage and other expenses you may acquire during business operations.

Having the right coverage is critical to protect your business from property loss, replacement, or repair relating to theft, vandalism, fire, or storms. 

It is highly recommended that you consider adding cyber insurance to your policy if you are handling sensitive data and client information. 

As an employer it is your legal responsibility to carry workers compensation to cover your employee due to work related accidents and illness. Without regard to who was at fault during the accident, workers compensation has you covered. See workers compensation for more information. 

Business Meeting

Workers Comp

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary compensation. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for the employer since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay for lost wages, medical care, and accident related benefits.  Most states require that employers carry Workers Compensation.  Even in non-mandatory states, it is strongly recommended if you have many employees, or if they are engaged in hazardous activities. 

Building Under Construction

D&O Liability

Directors  and Officers Liability Insurance helps cover the legal fees, settlements, and other costs associated with lawsuits for actual or alleged wrongful acts in managing the company. D&O liability insurance covers the personal assets of corporate directors, officers, and their spouses in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties. 

It is highly recommended that a business, including non-profit organizations, with a corporate board or advisory committee request D&O liability insurance due to the litigation risks associated.

Umbrella Policy

An Umbrella Policy provides coverage beyond the existing limits of your current policies such as; Homeowners, Auto, and Watercraft Insurance. To qualify for Umbrella Insurance you must possess a standard homeowners policy, auto policy, or watercraft policy first. It is often referred to as Excess Liability Insurance. 

Sullivan Insurance is dedicated to finding the best coverage tailored to your individual needs. We take pride in giving you a peace of mind knowing your family's finances are well protected with additional coverage for medical bills, repairs, bodily injury suits, lawsuits, dog bites, property damage, slander, defamation, and invasion of privacy. You can enjoy your life while we help you prepare for the unpredictable. 

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Special Events

Planning a special event can be exciting and a lot of preparation goes into planning the perfect occasion. At Sullivan Insurance we understand that sometimes when things go wrong it is a relief that we have you covered. For example, if there is an unexpected cancellation, lost deposits, there is an accident, gifts are damaged or lost, special jewelry is lost, the photographer doesn't show, or extreme weather occurs, the right coverage will help protect the investments you've made for your special event.

We will plan for the unexpected while you focus on making your special day a dream come true.  

Wedding Ceremony Stage

Home Owners

At Sullivan Insurance, we understand that your home is one of your most important assets. Comprehensive homeowners insurance covers the structure of your home to personal possessions and liability protection. Homeowners insurance will help you cover the cost of repairs if your home is damaged in a fire, tornado, lightning storm and vandalism. From your dining room table to your fine china, homeowners insurance will help pay to replace your possessions under a covered loss. 

Depending on your location you may also want to consider adding flood insurance to your policy, which may be required in certain states or specific areas. 

In addition to our basic home insurance policy, we also offer supplemental policies, including personal property for valuable articles/floater policies, flood insurance, and umbrella policies for additional liability coverage.

If you are renting your home, it is highly recommended you have a landlords policy and require your tenants to open a renters policy to cover their assets should anything occur under a covered loss. 

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No matter where life takes you, Sullivan Insurance has the coverage you need to stay protected on the move. Auto insurance protects you and your passengers from financial loss when you are in an accident, whether or not you're at fault. Medical bills, legal fees, and auto repairs can be costly without the right coverage.

In many states car insurance is mandatory however, you can choose to increase your coverage limits beyond the state minimum. If you are leasing or financing a vehicle you may be required to purchase comprehensive and collision coverage to help replace or repair the vehicle damaged. Although it is not required when you own a vehicle outright, it is still recommended in case of an accident, theft, or damage. 

In addition to our specialized policies, we also offer motorcycle, ATV and motorsport, golf-cart, boat, and watercraft insurance to protect all your vehicles. Getting into a collision can be a devastating loss because people feel very connected to their vehicles. It is the prime means of transportation for work, school, doctor appointments, vacations, and date nights. 

Sport Car

Boat & Watercraft

Watercraft insurance provides coverage to water vessels powered by a motor that has a horsepower of at least 25 miles per hour. Boat, Yacht, and Personal Watercraft fall under this category. Boating is an incredible experience for the boat owner and for their guests. You may be a solo fisherman or someone who enjoys some company with friends and family. For additional coverage you may also want to consider uninsured/underinsured boater coverage. 

Most Marinas require you to have Boat/Watercraft insurance in order to dock at their facility which covers theft, hail damage, hazards during storage, property damage and bodily injury should an accident occur. You may want to add your boat trailer to your policy as well for adequate coverage. 

Riding the waves of the water is one of the most relaxing places to be. You can be confident that Sullivan Insurance provides the best coverage options to protect this valuable asset.  

Sunset Sailboats

Personal Liability

Every client is unique, with their own set of needs, and living different lifestyles which calls for Personal Liability Insurance tailored to those needs. Personal Liability Insurance covers loss associated with accidents, lawsuits, illness, natural disasters, fire, death, and theft. Additionally, if someone is injured on your property or suffers a dog bite, having adequate coverage will assist with medical bills and legal fees. 

Your Homeowners Policy/Renters Policy will include Personal Liability coverage at $100,000, $300,000, and $500,000 to choose from. If your total net worth is $150,000 it is recommended that you select $300,000 to completely protect your assets. If you need more than $500,000 in coverage, an umbrella policy will extend beyond these limits. Our Agents are experienced and highly trained to help you decide which coverage option is best suited for your individual needs and if adding an Umbrella policy is right for you. See Homeowners policy or Umbrella policy for more information. 

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There isn't anything like the freedom you feel riding. Whether you ride alone or with the supportive community you become apart of, everyone can agree it is a favorable interest. Your Motorcycle is one of your most valued assets and having adequate coverage isn't expensive. Auto insurance will not cover your motorcycle unless it is specifically added to your policy and it is required (in most states).

You can be confident riding your bike, knowing if the unpredictable should occur, a deer runs out, a car cuts you off, a truck doesn't see you, you and your bike are covered. Motorcycle Insurance also covers damage to your bike relating to theft, vandalism, and natural disasters. If you are financing, you may want to consider GAP insurance to cover the difference of what you owe for the bike and what it is worth at the time of loss.

You can enjoy bike season to the fullest, we'll handle the rest.

Three Motorcycles


One thing you can absolutely depend on is the weather being unpredictable. No matter where you are Natural Disasters are very common however, only fire, rain water/lightening strike, or volcanic eruptions, are covered in your home-owners policy. Flood water, although very common, is a separate policy. An average Flood insurance policy is about $500 annually compared to replacing your entire $500,000 home without adequate coverage. Even if you are not considered to be in a flood zone, if a hurricane or Nor'Easter were to impact your area you may be looking at severe flood damage. Whether you own a home, rent, or are a business owner, you can purchase flood insurance to protect your assets to assist with the financial impact from unpredictable weather. 

Aerial View of Flood

Golf Cart

For many people Golf is a great way to reduce stress and channel your tension into a game with some friendly competition. It is an experience you can share with your friends, family, co-workers, and fellow competitors. Golf cart insurance covers property damage, bodily injury, collision coverage, and comprehensive coverage. You may also choose to add an additional umbrella policy to increase these limits in the event of theft, damaged equipment, and serious injuries in an accident. We'll let you focus on the game as we get you the best possible rate to protect your ride. 

Couple in Golf Cart

Defensive Driving Discount

Did you know you are guaranteed to save 10% on your car insurance for completing a defensive driver course in the state of New York? The course is about $25 and is a very quick and easy way to gain some knowledge and save some money on your Auto policy! Once you complete your course just send us a copy of your certificate and we will apply your discount to the date of your completion for 3 years!

Driving School


Off-Roading in an ATV is exhilarating, especially if you're feeling adventurous. However, even with proper head gear and body padding, the risks of accidents and injury are common. At Sullivan Insurance, we offer a wide range of insurance policies to fit your needs, including ATV,  classic car, RV, mobile home, boat, and watercraft insurance.Off-Road insurance covers bodily injury, property damage, theft, vandalism, medical expenses, and legal fees. In fact, most states require you to have off-road insurance. 

ATV in Sand

Renters & Landlords

Renters & Landlords have separate policies to protect their own property in the event of a covered loss.

A Landlords policy would cover the building, washer, dryer, stove, dishwasher, or any appliance or property belonging to the landlord. It does not cover the tenants personal property. Most Landlords require their renters/tenants to have a policy prior to signing the lease agreement. It is a good way to screen for reliable tenants. 

A Renters Policy or Tenants policy would cover the tenants property such as clothing, jewelry, and furniture belonging to the tenant. Included in the policy is personal liability coverage in the event a guest is injured on the property due to the renters negligence. Some policies include pet liability coverage if your dog nips a guest and they require medical coverage. 


Buying an apartment

Cyber & Technology

The world is changing and AI is an ever growing technology capable of incredible things once only imagined. With great technology comes an even greater responsibility. At Sullivan Insurance we have a team of highly trained professionals committed to protecting your business and assets against computer-related crimes and losses such as; targeted attacks, malware, phishing, or misplaced usb/hard-drive/laptop containing sensitive information. Cyber attacks are, unfortunately, very common and can severely damage a business without adequate coverage.

One of the most valuable assets to a business is data. In the event of an attack Cyber and Technology Insurance will help cover lost business revenue and data recovery due to a breach or extortion, money lost due to phishing, legality defense, and breach response.

If your business accepts credit cards, digital payments, stores sensitive client information such as; medical and financial data, and uses computers or mobil devices to operate the business Sullivan Insurance recommends Cyber & Technology Insurance. 

Tech People

Life Insurance

Planning for your future and the future of your loved ones is extremely important, and life insurance is a crucial part of that plan. At Sullivan Insurance, we offer a variety of life insurance policies to fit your needs and budget. We can all count on life being very unpredictable during the most inconvenient time.

Having an adequate Life insurance policy is one of the most important Policies every client should acquire. There are three different Life Insurance policies to choose from; Term Life Insurance, Whole Life Insurance, Fixed Annuities. 

Term Life Insurance is a temporary policy written for the term you choose which offers a level payment plan with a guaranteed death benefit.

Whole Life Insurance offers a level payment plan that builds a cash value which you can gain access to through loans. 

Fixed Annuities is a lump sum, one-time, payment in exchange for a guaranteed income throughout your retirement years. 

At Sullivan insurance you can rely on us to find you the right coverage with flexible premiums and death benefits that can be adjusted as your circumstances change.

Cute Baby
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