Commercial & Business Insurance · Queens, NY
Protect everything you've worked to build.
Excelarate is an independent commercial insurance agency. We build coverage around your business, explain it in plain language, and shop multiple carriers so you are never over or under insured.
- Based in
- Queens, NYServing businesses across New York
- Independent since
- 2009Multiple carriers, not one
- We speak
- English · Spanish · Punjabi · Hindi · Urdu
What we cover
Coverage built around your exposure
One independent agency writing the lines a growing business actually needs. We match the policy to the risk, not the other way around.
- 01
General Liability
The first policy every business needs. It shields you from a wide range of third-party claims for injury and property damage.
- 02
Commercial Auto
Protects the vehicles your business runs on, the way personal auto protects your car. Accidents happen; this keeps one from stopping you.
- 03
Business Owner's Policy
General Liability and Business Property bundled into one efficient policy, covering your leased space and equipment.
- 04
Workers' Compensation
Covers employees who are injured or fall ill on the job. Required by the state once your headcount passes a set threshold.
- 05
Errors & Omissions
Defends your business against claims of negligence in the services you provide. You are covered for losses, attorney fees, and court costs, at fault or not.
- 06
Cyber
Covers extortion, ransom, and lost income from a breach or attack, plus third-party claims from customers affected by it.
- 07
Builders Risk
Covers buildings and structures while they are under construction, against fire, theft, vandalism, and weather, until the project is complete.
- 08
Project Specific
Coverage written for a single construction project, protecting that job's liability and exposures for its full duration, separate from your annual program.
- 09
Contractors Labor Law Coverage
Protection for contractors against New York Labor Law claims, including Section 240 and 241 "Scaffold Law" actions when a worker is injured on site.
- 10
Employment Practices Liability
Defends your business against employee claims such as discrimination, wrongful termination, harassment, and retaliation.
- 11
Professional Liability for Professionals
Covers licensed professionals against claims of negligence, errors, or failures in the professional services they provide.
Client stories
Business owners who stayed
"I have been with Excelarate since 2009. They helped me get the right coverage for my construction business from day one and have always looked out for my company's best interest. I am grateful for Raj and his team and highly recommend them for all commercial insurance needs."
"I called Raj and he was so knowledgeable on the subject, made great recommendations and made me aware of exposures that hadn't even crossed my mind. I was so impressed that I consolidated all my policies with him."
"My exposure is enormous and so were the premiums, until I met Raj. He took the time to understand my business and got me better coverage at a lower price. I recommend him to everyone I meet."