Commercial Insurance Services

Protecting What Matters Most

Your Business, Your Employees, Your Future

Running a business is more than a job — it’s a responsibility, a legacy, and often the result of years of hard work. At D.C. Ranieri Insurance Agency, we’ve been protecting business owners and their livelihoods since 1939, helping companies of all sizes navigate risk with confidence.


As a fourth-generation, independently owned agency, we understand that no two businesses are alike. Whether you own a contracting company in Yonkers, manage a retail storefront in Westchester, or operate a professional practice serving clients across the Tri-State area, our team creates a protection plan built around your unique exposures and goals.



With access to top-rated national and regional carriers, and a foundation of trust built since 1939, we provide comprehensive coverage options that safeguard your property, employees, and reputation — allowing you to focus on growth, not uncertainty.

our team is ready to help with all your Commercial insurance needs

Commercial Property Insurance

Whether you own your facility or lease it, property loss can bring operations to a halt. Fires, vandalism, and severe weather can strike without warning. A properly structured property policy helps you recover quickly, replace damaged assets, and resume business with minimal interruption.

  • Buildings, structures, and fixtures
  • Business personal property and inventory
  • Equipment, tools, and supplies
  • Business interruption and loss of income
  • Flood, fire, theft, and vandalism protection

Business Insurance

For small and mid-sized businesses, a BOP provides essential coverages — property, liability, and business interruption — under one policy, saving time and money while ensuring nothing is overlooked.

  • Commercial property insurance
  • General liability protection
  • Business income and extra expense coverage
  • Equipment breakdown protection
  • Optional add-ons like data loss or crime coverage

Liability Insurance

Even a single lawsuit can threaten the financial health of your company. For more than 85 years, D.C. Ranieri has helped business owners safeguard their future with dependable liability solutions tailored to their operations.

  • General Liability
  • Premises and Operations Liability
  • Product Liability
  • Completed Operations Coverage
  • Personal and Advertising Injury Protection

Workers' Compensation Insurance

It’s not only required by law — it’s a critical way to protect both your employees and your business. At D.C. Ranieri, we’ve been helping companies stay compliant and care for their workers since 1939, providing reliable, affordable coverage built on trust and accountability.

  • Medical expenses and lost wages
  • Disability benefits and rehabilitation services
  • Employer liability protection
  • Multi-state compliance for businesses operating in several jurisdictions

Disability & Paid Family Leave Insurance

In New York State, employers are required to provide disability benefits and paid family leave. D.C. Ranieri Insurance Agency, trusted since 1939, makes compliance effortless by offering integrated solutions that protect your employees while minimizing administrative burden.

  • Income replacement for off-the-job injuries or illness
  • Paid Family Leave for bonding with a new child or caring for a loved one
  • Seamless coordination with workers’ comp policies
  • Direct claims support for employers and employees

Contractor Insurance

Contractors face unique risks every day — from jobsite injuries and property damage to equipment theft and subcontractor liability. Whether you’re a general contractor, electrician, plumber, or landscaper, D.C. Ranieri has been the trusted insurance choice for trade professionals since 1939.

  • General liability and completed operations
  • Builder’s risk insurance
  • Contractor’s equipment coverage
  • Surety bonds and certificates of insurance
  • Workers’ compensation for employees and subcontractors

Additional Commercial Coverages

Commercial Auto Insurance

Keep your business on the move. Whether you have one vehicle or a full fleet, D.C. Ranieri, trusted since 1939, provides protection for accidents, property damage, and liability associated with business vehicles.

Commercial Umbrella Insurance

Sometimes standard liability limits aren’t enough. Umbrella insurance provides additional coverage above your existing business policies to help protect against large lawsuits or catastrophic claims.

Professional Liability (Errors & Omissions)

E&O coverage protects businesses that provide professional advice or services from claims of negligence, errors, or omissions.

Cyber Liability Insurance

In today’s digital world, data breaches and cyberattacks can happen to any business. Cyber liability insurance covers financial losses from data theft, ransomware, and privacy breaches.