Pollution Liability

The Westchester Pollution coverage policy offers coverage for pollution exposures including first party on-site cleanup costs and third party bodily injury, property damage and cleanup costs. This enhanced policy features premises pollution coverage available for both new and pre-existing conditions.

Human Services Insurance

Non-Renewed? Here's What to Do:

Let us quote your Human Services Business with USLI, an A++ (Superior) rated carrier by A.M. Best.

Pennock offers a wide variety of coverage with a multitude of carriers so that we can offer you the best coverage for the most competitive price.

Property Coverage: Construction Codes

ISO 1: Frame (combustible walls and/or roof)
Typically RMS Class 1
Wood frame walls, floors, and roof deck
Brick Veneer, wood/hardiplank siding, stucco cladding

Wood frame roof with wood decking and typical roof covers below
*Clay/concrete tiles
*BUR (built up roof with gravel or modified bitumen)
*Single-ply membrane
*Less Likely metal sheathing covering
*May be gable, hip, flat or combination of geometries

Roof anchorage
*Toe nailed
*Single Wraps
*Double Wraps

Examples: Primarily Habitational, max 3-4 stories

ISO2: Joisted Masonry (JM) (noncombustible masonry walls with wood frame roof)

Typically RMS Class 2
Concrete block, masonry, or reinforced masonry load bearing exterior walls
*if reported as CB walls only, verify if wood frame (ISO 2) or steel/noncombustible frame roof (ISO 4)
*verify if wood frame walls (Frame ISO 1) or wood framing in roof only (JM ISO 2)

Stucco, brick veneer, painted CB, or EIFS exterior cladding
Floors in multi-story buildings are wood framed/wood deck or can be concrete on wood or steel deck.

Workers’ Compensation for Auto

Did you know that, when combined, there are more than 340,000 Auto Repair, Auto Body, and Oil Change shops in the U.S.?

Employers offers a successfully-written coverage that's proven to be consistent at a competitive price.

What does that mean for a retail insurance agent?
Higher hit ratios, greater retention, and long-term profitability while providing great coverage for your insureds.

Get Scary Good Coverage This Fall

Make sure your insured's business falls with the right carrier this season.

with GL and Excess Limits up to $8M/$8M Combined

Minimum Premiums as low as $250 and Additional Insured Coverage is available.
Reach out to any Commercial Underwriter to get started!

Fall Special Events

Fall is quickly approaching, which means so are fall events.

Weddings, golf outings, street fairs, festivals, and everything in between!
Even the spookiest of the October traditions like haunted houses, hayrides, pumpkin patches, orchards, corn mazes, costume stores, and more!

Why would an insured need special event coverage?
General Liability (GL) coverage protects the insured against bodily injury and property damages caused while they're making the magic happen.

Hurricane Preparedness

Do you know how to prepare for a hurricane?

With Hurricane Dorian headed toward Southeastern U.S. states, Pennock is thinking about preparedness.
FEMA has easy-to-read and downloadable PDF documents to keep anyone and everyone that could be effected informed.

Charities and Business Associations

The kids are going back to school, which means they'll be signing up for sports, clubs, and activities too!
Make sure that all of these organizations are covered so the insured can keep their focus on the kids.

The option to write a Package, Special Event, or Professional policy with an A++ A.M. Best-rated carrier is available.