Property and Casualty Insurance
Protecting your business, home, car and luxury items.
Personal and commercial property and casualty coverage, offered through Brightway Insurance. We review what you own and what you are exposed to, then place coverage that fits.
Available through Brightway InsuranceEveryday protection
Your home, your car, your pets and your business.
Homes
Houses, contents and personal liability
Townhouses
Brownstones and row houses
Condos and co-ops
Your unit, belongings and assessments
Cars
Vehicles and drivers
Pets
Veterinary care, where available
Small businesses
Property, liability and more
Luxury items and collections
Watches, diamonds and jewelry deserve their own coverage.
A home policy was not written for a watch collection or an engagement ring. Dedicated valuables coverage schedules each item and protects it at home, in a vault or on your wrist. How it works
Fine watches
Mechanical, vintage and collections
Diamonds
Loose stones and settings
Fine jewelry
Engagement rings and estate pieces
Pearls
Strands and heirloom pieces
Fine art
Paintings, sculpture and photography
Collectibles
Coins, precious metals and more
Lawyers and law firms
Specialized insurance for attorneys.
For solo practitioners and law firms with 1 to 25 attorneys, offered through Aon Attorneys’ Advantage, a program dedicated to the legal profession.
Lawyers professional liability
Malpractice coverage for claims arising from the legal services you provide.
Cyber liability
Protection for data breaches and cyber incidents involving client and firm information.
Business property and liability
Coverage for your office, equipment and general liability.
Offered through Aon Attorneys’ Advantage, subject to producer appointment, underwriting, eligibility and availability. Aon is a trademark of its owner; its mention does not imply endorsement of Rothswell.
Coverage we place
Personal and commercial lines.
Personal lines
- Home, condo and co-op Coverage for your residence, its contents and your personal liability.
- Renters Protection for your belongings and liability when you rent.
- Auto Coverage for your vehicles and drivers.
- Umbrella Additional liability protection above your home and auto policies.
- Pets Coverage for veterinary care for dogs and cats, where available.
- Luxury items and valuables Dedicated coverage for watches, diamonds, jewelry, art and collections.
Commercial lines
- Business owners policy Property and liability coverage packaged for small and mid-sized businesses.
- General liability Protection against third-party injury and property damage claims.
- Commercial property Coverage for buildings, equipment and inventory.
- Commercial auto Coverage for vehicles used in your business.
- Lawyers professional liability Malpractice, cyber and business coverage for law firms with 1 to 25 attorneys.
- Specialty coverage Professional, cyber and other specialty lines, subject to availability.
Luxury items and valuables
What we insure, why it matters and how it works.
What we can insure
- Watches Mechanical and complicated watches, vintage pieces and collections.
- Jewelry and diamonds Engagement rings, loose stones, pearls, and everyday and estate jewelry.
- Fine art Paintings, sculpture, photography and works on paper, at home or in storage.
- Collectibles Coins, stamps, wine, memorabilia and other collections.
- Silver and heirlooms Silverware, antiques and family pieces that cannot be replaced.
- Handbags and furs Designer handbags, furs and other high-value personal items.
Why a separate valuables policy
- Higher limits than a home policy. Standard homeowners policies pay only limited amounts for jewelry, watches and similar items, often with a low cap for theft. A valuables policy is written for the value of what you own.
- Agreed value. Each item can be scheduled at an agreed value, usually supported by an appraisal or receipt, so there is less debate about what it was worth after a loss.
- Broader protection. Depending on the carrier, coverage can include accidental loss, mysterious disappearance and items that travel with you, including abroad.
- Keeping values current. Gold, diamond and watch prices move. We review your schedule periodically so that coverage keeps pace with the market.
How it works
- 1Inventory List the pieces you want covered, with receipts, certificates or appraisals where you have them.
- 2Appraisal For higher-value items, a recent independent appraisal is usually required.
- 3Schedule We obtain quotes and schedule each item, or set blanket coverage for smaller pieces where available.
- 4Review We revisit values and storage arrangements at renewal or when you buy something new.
Coverage, including agreed value, mysterious disappearance and worldwide protection, varies by carrier and policy and is subject to underwriting. Appraisals, security and storage requirements may apply. Pet insurance is subject to availability.
Review
We look at your property, vehicles, business operations and current policies.
Quote
We obtain quotes through the Brightway Insurance system.
Place coverage
You choose the coverage, and we handle the paperwork.
Renew and review
We review your coverage at each renewal and when your circumstances change.
Why work with an agency instead of buying directly from one insurer?
An insurer's own channel can only offer that insurer's policies. Through the Brightway network we can quote several carriers for the same home, car or business, compare coverage as well as price, and come back to the market at renewal if your premium rises or your needs change.
What does New York homeowners insurance usually cover?
A typical policy covers the dwelling, other structures, your personal property, additional living expenses if you have to move out during repairs, and personal liability. Flood damage is excluded from standard policies and is insured separately, which matters in many parts of New York City, Long Island and the Hudson Valley.
I own a co-op or condo. Do I still need my own policy?
Usually yes. The building's master policy protects the structure and common areas, while your own policy covers your unit's interior and improvements, your belongings, loss assessments from the building and your personal liability. Many co-op and condo boards require owners to carry it.
What is an umbrella policy and who needs one?
Umbrella insurance adds liability protection above the limits of your home and auto policies. It is often considered by people with significant assets, rental property, a pool, teenage drivers or a public profile, because a single serious claim can exceed standard limits.
How should I insure jewelry, art and watches?
Standard home policies limit what they pay for valuables, especially theft of jewelry. Scheduling items on a separate valuables policy, usually supported by a recent appraisal, can provide broader coverage, including accidental loss.
What does a small business typically need?
Most businesses start with general liability and property coverage, often combined in a business owners policy. Depending on what you do, commercial auto, workers' compensation and disability coverage required by New York law, professional liability or cyber coverage may also apply.
What information do you need for a quote?
For a home: the address, year built, square footage, construction and recent updates. For auto: drivers, vehicles and driving history. For a business: what you do, revenue, employees and locations. Your current policy declarations page is the easiest place to start.
General information only, not a description of any specific policy. Coverage, exclusions and availability depend on the carrier, the policy and underwriting.
Property and casualty coverage is offered through the Brightway Insurance franchise system. The Rothswell Agency LLC is an independently owned franchise; Brightway Insurance, LLC is the franchisor and is not a parent, owner or affiliate of Rothswell. Coverage is subject to underwriting, carrier availability and policy terms.
Let’s talk
Tell us a little about you, and we will get back to you.
info@rothswell.us646 821 3520211 Madison Ave, New York, NY 10016