Independent commercial insurance agency — 20+ years of experience protecting small businesses, property owners, contractors, and families across New York, New Jersey, Florida, the Carolinas, and beyond. Commercial auto, general liability, workers' comp, builders risk, dwelling fire, and specialty coverage for every type of business. Bilingual EN/ES. Same-day COIs. Local. Trusted.
Why NY Insurance Consultant
NY Insurance Consultant is a full-service independent commercial insurance agency built on two decades of hands-on expertise across virtually every business type — from contractors and auto body shops to med-spas, cleaning companies, builders, and property owners. We serve every business, every community, every background — with the same thorough, personalized attention.
As an independent broker, we're not tied to any one carrier. That means we shop the market for the best coverage at the best price — and explain every policy in plain language, in English or Spanish, so you always understand exactly what you're buying.
Full Coverage Portfolio
From commercial auto fleets to dwelling fire policies, from nail salons to general contractors — we write it all, with the same care and expertise every time.
Coverage for fleets, work trucks, vans, livery, and commercial vehicles. Hired & non-owned auto. DOT filings. One of our highest-volume lines — we know the market, the rates, and the carriers inside out.
Learn More →Third-party bodily injury and property damage for any business type — nail salons, auto shops, contractors, retailers, distributors, and more. Certificates of insurance issued same day.
Learn More →NYSIF and private market options for New York businesses. Audit management, classification review, and rate negotiation — for both contractors and non-contractor employers.
Learn More →Dwelling fire (DP-1, DP-3), landlord policies, and homeowners coverage. A core offering for property owners and investors — including high-value and non-standard risks across our licensed states.
Learn More →New York's Scaffold Law creates absolute liability for contractors and property owners. We review every contractor GL for Labor Law exposure, defense-within-limits issues, and action over gaps.
Learn More →GL + Property + Business Interruption bundled for small businesses. Ideal for nail salons, med-spas, brow bars, convenience stores, dry cleaners, cleaning companies, restaurants, and retail operations.
Learn More →Builders risk for new construction, renovations, and house flips. Lessors risk (LRO) for commercial landlords and investment properties. Vacant property coverage available.
Learn More →Every Business. Every Community.
From the largest national carriers to specialty markets — we have the knowledge and access to insure virtually any business type, any property risk, in any of our licensed states.
About Peter Montañez
"I started this agency to be the broker I wished existed when my community needed insurance — someone who speaks Spanish fluently, understands how Hispanic-owned businesses actually work, and gives every client the same honest, thorough advice I'd give my own family. Two decades later, that hasn't changed."
Licensed Coverage Across the U.S.
One bilingual agency, serving Hispanic business owners across 15+ states — from Long Island to Miami to Chicago.
Don't see your state? Contact us — our licensed footprint is actively expanding.
What Our Clients Say
Over 1,600 businesses and families protected — relationships that last years, not just policies.
Hablamos tu Idioma · We Speak Your Language
Soy Peter Montañez — agente de seguros bilingüe con más de 20 años de experiencia asegurando negocios de todo tipo en Nueva York, Nueva Jersey, Florida y más de 15 estados. Cotización gratuita y personalizada, sin compromiso.
2026 Resources
March 2026 · 5 min read
From nail salons to bodegas to contractor companies — here's what insurance your business actually needs, explained clearly in plain language.
Read Article →February 2026 · 6 min read
New York's Scaffold Law creates absolute liability for fall injuries. Here's what your GL policy must say — and the coverage gap most contractors don't know they have.
Read Article →January 2026 · 4 min read
Using a personal auto policy for business driving is one of the most common — and costly — insurance mistakes. Here's what commercial auto actually covers and why you need it.
Read Article →Let's Talk
Call, text, WhatsApp, or fill out the form — we respond within one business hour. Bilingual service in English and Spanish, always.
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For urgent needs: (516) 473-0340
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