Rental apartment buildings
Walk-ups and elevator buildings, from small 3-unit buildings to larger multifamily properties.
Landlord insurance →Real estate insurance broker
Insurance for apartment buildings, commercial property and construction.
Over 20 years insuring owners, landlords and boards. We shop your building across many top insurance markets to find the best coverage and price.
Prefer to talk? Call 646-494-4355WhatsApp us
Trusted by building owners across the United Statesco-ops, condos, rentals, mixed-use & commercial
20+ yearsinsuring real estate
Independent brokeraccess to many top insurance markets
Lender-readybinders & certificates sent to your lender
Practice areas
Real estate is our specialty
Our practice is organized around the property types we know best. We advise owners, landlords, developers, managing agents and boards on residential and commercial real estate.
Residential real estate
Co-ops
Master policies for the building and coverage that protects the board and the corporation.
Co-op insurance →
Condos
Coverage for the condominium association: the building, common areas and the board.
Condo association insurance →
HDFC co-ops
Affordable co-ops with their own rules, budgets and regulatory agreements. We know how they work.
HDFC co-op insurance →
Mixed-use buildings
Apartments over stores. Residential and commercial exposures handled under one plan.
Mixed-use insurance →Want a number for your building?
Free quotes for buildings anywhere in the United States. New York City apartment buildings with 4 to 1000 units get an instant estimate.
Get a free quote →or call 646-494-4355Commercial real estate and construction
Office buildings
Property and liability for office properties, from small professional buildings to multi-tenant offices.
Office building insurance →
Shopping centers & retail
Strip centers, shopping centers and street-level retail, including landlord liability for parking lots and sidewalks.
Shopping center insurance →Vacant buildings
Coverage for buildings that are empty or between tenants, which many standard policies exclude.
Ground-up construction
Builder's risk and liability for new construction, from groundbreaking to completion.
Buildings under renovation
Coverage during gut renovations and major repairs, for owners and developers.
Request a proposal
Commercial, out-of-state and construction projects are quoted directly by our brokerage team.
Lines of coverage
A complete property & casualty program
We design each program around the building and the requirements of your lender, board or bylaws, and place every line with insurers that write this class of real estate.
Commercial property
The building at replacement cost against fire, wind, water and other covered perils, including loss of rents or maintenance income during repairs.
General liability
Bodily injury and property damage claims from tenants, visitors and the public, from lobbies and stairwells to sidewalks.
Umbrella & excess liability
Additional liability limits above the primary policies, structured to meet lender, board and contract requirements.
Directors & officers (D&O)
Protection for co-op, condo and HDFC board members against claims arising from their decisions.
Crime & fidelity
Protection for reserve and operating funds against theft by employees, managing agents or others.
Equipment breakdown
Boilers, elevators, electrical and mechanical systems that fail suddenly, plus the resulting damage.
Workers' compensation & disability
Statutory coverage for buildings that employ a super, porters or doormen directly, including New York disability and paid family leave.
Flood
Flood coverage for buildings in or near flood zones, often required by lenders, placed alongside the property program.
Builder's risk
Ground-up construction and major renovations: materials, work in place and the structure, from start to completion.
Vacant building
Property and liability for buildings that are empty, between tenants or awaiting construction.
Coverage, limits and exclusions depend on the insurer and the policy. Our team will walk you through exactly what your program covers.
See what it would cost to insure your building.
Free quotes for buildings anywhere in the United States. New York City apartment buildings with 4 to 1000 units get an instant property and liability estimate pulled from city records. Anything else: call 646-494-4355 or WhatsApp us.
How we work
A disciplined process, from first review to every renewal
Every account follows the same four-step process, so nothing is missed at placement or during the policy year.
- 01
Discovery & risk review
We review the building, its operations, current policies, loss history, and what your lender, board or bylaws require.
- 02
Market the account
We take the submission to insurers that write this class of real estate and negotiate terms, limits and pricing on your behalf.
- 03
Proposal & placement
You receive a clear side-by-side proposal. Once you decide, we bind coverage and deliver policies, certificates and lender evidence.
- 04
Service & renewal
Our service desk handles certificates, endorsements and claims support during the year, and we review the full program before every renewal.
Why an independent brokerage
We work for you, not for an insurance company
A captive agent can only offer one company's policy. As an independent brokerage, we compare options from different insurers and recommend what fits your building.
- Access to multiple insurers. We market your building to the insurers that write this class of real estate.
- Clearly explained. We explain what is covered, what is not, and what your lender or board requires.
- Service all year. Renewals, certificates, policy changes and claims questions are handled by our service desk, not a call center.
- Real estate is our everyday work. Walk-ups, prewar elevator buildings, co-ops, condos, HDFCs, mixed-use, offices, retail and construction projects.
Our firm
Over 20 years insuring real estate
JM & ADA Associates LLC is an independent property and casualty brokerage, based in New York and licensed in multiple states. Our firm focuses on one thing: insuring buildings. For over 20 years we have placed coverage for apartment buildings, co-ops, condos and HDFC co-ops, as well as commercial properties and construction projects, for owners across the United States.
Our approach is simple: understand the building, market it to the right insurers, explain the options plainly, and stay on the account all year.
- Legal name
- JM & ADA Associates LLC
- Practice
- Commercial property & casualty for real estate
- Market focus
- Buildings across the United States, with a dedicated New York City practice
- Offices
- New York, NY
- Experience
- Over 20 years
New York focus
New York buildings
Alongside our work across the country, we keep a dedicated New York City practice for every building type: co-ops, condos, HDFC co-ops, rental and multifamily buildings, mixed-use and commercial property, in all five boroughs. See our New York City building insurance pages.
Insights & owner guides
Straight answers for owners and boards
The questions building owners, landlords and board members ask our team most, answered in plain language.
- What does my lender require?A plain guide to multifamily lender insurance requirements: property at replacement cost, loss of rents, liability and umbrella, flood, equipment breakdown, D&O for co-ops, and proof of insurance.
- Co-op & condo board D&O explainedWhat directors and officers (D&O) insurance does for NYC co-op and condo boards: who is covered, typical claims, common exclusions, and what limits lenders require.
- What drives NYC building insurance premiumsWhy NYC apartment building insurance costs what it does: replacement cost, construction, age and updates, loss history, violations, location, limits, deductibles and the insurance market.
- Property vs. general liability for landlordsThe difference between property insurance and general liability for landlords and building owners: what each covers, what neither covers, and how they fit with an umbrella.
- What to have ready for a quoteChecklist for an apartment building insurance quote in NYC: building details, updates, loss runs, current policy, rent roll, lender requirements and where to find public records.
Frequently asked questions
Working with our firm
What does JM & ADA Associates do?
We are an independent insurance brokerage focused on real estate, licensed in multiple states. We design and place commercial property and casualty programs for apartment buildings, co-ops, condos, HDFC co-ops, mixed-use and commercial property, and construction projects.
Are you an insurance company?
No. We are a broker. We represent you, market your building to insurers that write this class of real estate, and recommend the program that fits. Coverage is issued by the insurer.
Which areas do you serve?
We place coverage for buildings across the United States. We also keep a dedicated New York City practice for every building type, from co-ops, condos and rentals to mixed-use and commercial property, in all five boroughs.
How do I request a certificate of insurance?
Email processing@realestateinsurance.us with the certificate holder’s name and address and any additional insured or lender wording required, or call our main line at 646-494-6500.
How do I report a claim?
Call our main line at 646-494-6500 or email processing@realestateinsurance.us with the property address, the date and a short description of what happened. We will guide you through reporting it to the insurer and the documentation the adjuster will need.
How quickly can I get a number?
For NYC apartment buildings with 4 to 1000 units, the instant estimate gives a range in about 30 seconds. For a firm proposal, our team reviews the building and markets it to insurers.
Contact us
How can our team help?
Reach the right desk directly, or send a message and it will be routed to the right person.
New business & quotes
New properties, renewals you want marketed, and second opinions on an existing program.
Certificates of insurance
Certificates for lenders, managing agents, contractors and tenants, and evidence of property for closings.
Claims support
Report a loss and get guidance on documentation, the insurer's adjuster and next steps.
Policy service
Endorsements, mortgagee and additional insured changes, billing questions and coverage reviews.
Send a message
Tell us about your property, anywhere in the U.S. A member of our team will get back to you. This is the best way to request a proposal for any building, commercial property or construction project.
Firm information
- Firm
- JM & ADA Associates LLC
- Mailing address
- 800 3rd Ave, Frnt A #1140
New York, NY 10022 - Main line
- 646-494-6500
- New business
- 646-494-4355
- Text 646-494-4355
- Fax
- 212-320-0339
- processing@realestateinsurance.us
- Hours
- Monday – Friday, 9:00 am – 5:00 pm ET