Our specialty is equipment rental companies and dealerships: rental fleets, equipment leased to others, dealer inventory and the contracts behind them. We also insure contractors, real estate owners and operating businesses, along with homes and apartments.
Equipment that leaves your yard every morning, contracts that move liability back and forth, inventory financed against a floorplan. We build programs around how rental companies and dealerships really operate, and we place them with carriers that have real appetite for the business.
Equipment on your yard, in transit, at branch locations and out on rent, insured on a form written for rental, with no need to list every machine where the carrier allows it.
Bare rentals, rentals with an operator, and long-term leases are three different exposures. Each one is set up so the policy covers how you actually rent.
Equipment a renter takes and never returns is treated differently from theft on many property forms. We look for wording that deals with it directly.
Indemnity, hold-harmless and insurance requirements in your rental agreement, checked against your general and umbrella policies.
Open-lot, in-transit and demo exposures, plus the lender and manufacturer requirements that come with floorplan financing.
Shop operations, customer property in your care, and equipment out on demonstration or test runs.
Trucks, trailers and lowboys, and the loading and unloading that goes with getting equipment to the jobsite.
Certificate, additional-insured, waiver and primary/non-contributory requests from customers and general contractors.
Every line of a commercial program, coordinated so the limits, insured parties and contract requirements match from policy to policy.
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Scheduled or blanket coverage for mobile equipment and tools on your yard, on a jobsite or in transit.
Coverage built for rental fleets, including equipment rented or leased to others. Conversion and theft terms vary by carrier, so we read them closely.
Equipment held for sale on an open lot, in transit or out on demo, written to meet lender and manufacturer requirements.
Buildings, contents and service shops, plus lost income while you recover from a covered loss.
Coverage for structures under construction or renovation, including materials stored on site.
Third-party injury and property damage from your operations, premises and the equipment you rent out.
Extra limits above your general liability, auto and employer's liability policies, often required by contracts.
A review of rental agreements, leases and subcontracts. We look at indemnity, additional insured status and waivers, and check that your policies support what you sign.
E&O, D&O and employment practices coverage for firms whose risk comes from advice, decisions or people.
Response costs, business interruption and liability after a breach, ransomware attack or funds-transfer fraud.
Service trucks, delivery and pickup vehicles, trailers and lowboys, with coverage set up for how your fleet actually runs.
Liability for vehicles you rent, borrow or that employees drive on company business.
Statutory coverage plus employer's liability, with payroll classifications checked against your actual operations.
Property and liability packaged together for qualifying smaller and office-based businesses.
We work across a wide range of commercial clients, especially businesses with fleets, inventory, jobsites and contracts.
General liability, contractor's equipment, commercial auto, workers' comp, and the additional-insured requests general contractors require.
Property, liability, loss of rents and tenant risk transfer.
Property, equipment breakdown, transit and supply-chain exposures.
Rental floaters, lessor's liability, delivery fleets and rental contracts.
Inventory, floorplan, service operations and test runs.
Jobsite liability, tools and equipment, auto and workers' comp.
Property, liability and loss of income for buildings and portfolios.
Commercial auto, cargo, and hired and non-owned exposures.
Retail, wholesale, restaurants, professional firms and offices.
A starting point for a conversation, not advice. The right program depends on your operations, your contracts and what the carriers will offer.
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| Industry | GL | Property | Inland marine | Auto | Workers' comp | Umbrella | Prof. / mgmt | Cyber |
|---|---|---|---|---|---|---|---|---|
| Equipment rental | ||||||||
| Equipment dealers | ||||||||
| Contractors & trades | ||||||||
| Real estate owners | Not typical | |||||||
| Manufacturing & distribution | ||||||||
| Transportation & logistics | Not typical | |||||||
| Retail & wholesale | Not typical | |||||||
| Restaurants & hospitality | Not typical | Not typical | ||||||
| Professional & office | Not typical |
Homeowners and renters insurance, plus landlord and umbrella coverage, handled with the same care we bring to commercial accounts.
Dwelling, other structures, personal property, loss of use and personal liability for the home you own.
Your belongings, extra living expenses and personal liability when you rent an apartment or house.
One- to four-family rental properties: the building, lost rental income and liability as an owner.
Additional liability limits above your home and auto policies.
We build programs around how your business actually operates, and match coverage, pricing and carrier appetite to your own risk profile.
We take the time to understand your operations before we recommend anything.
We work with multiple insurance carriers and compare coverage and price across them.
We place complex commercial risks with markets that have real appetite for them.
Programs designed to grow with your business and stay with you through claims and market cycles.
Operations, locations, fleet and equipment, contracts, current policies and loss history.
We prepare your submission and take it to carriers with real appetite for your class of business.
Coverage forms, limits, deductibles and price compared in plain language, with our recommendation.
Certificates, endorsements, audits, claims and renewals, all through one point of contact.
Report a claim, request a certificate of insurance, or ask for a policy change. Requests reach Abraham Lefkowitz directly.
Prevent further damage if you can do so safely. Take photos, write down what happened, and collect names and contact details of anyone involved or who saw it.
Use the claims phone number or online claims portal listed on your policy or ID card. Report promptly, because late notice can affect coverage.
Send us the details below or call. We'll help you work through the process, check which policies may respond, and follow up with the carrier.
For customers, general contractors and landlords. Include the requirements from the contract so the certificate, and any endorsements, match what was asked for.
Most changes are best handled with a quick call or email. Common requests:
New units with the year, make, model, serial/VIN and value; removed units with the date they left.
A new yard, branch or entity, along with its address and operations.
Additional insured, waiver of subrogation or primary/non-contributory wording required by a new contract.
New services, revenue or payroll changes, or a new type of rental (for example, operated equipment).
Changes take effect only once confirmed in writing by AL Risk Solutions or the carrier.
Send your current declarations pages and loss runs. We'll review your coverage forms, limits and contract requirements, then take your business to carriers that want it.
AL Risk Solutions Inc is an independent insurance agency based in Monsey, New York. We work with a broad range of commercial clients, including real estate owners, operating businesses and asset-heavy organizations, and we specialize in the equipment rental and dealership industry.
Our approach starts with understanding how a business actually operates. We don't sell one-size-fits-all policies. We design insurance programs that align coverage, pricing and carrier appetite with each client's risk profile. In the equipment rental and dealership space, that means fleet exposures, inventory risk, inland marine, transportation and contractual liability.
We also look after the personal side, with homeowners, renters, landlord and umbrella coverage for clients and their families.
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A captive agent sells for one insurance company. An independent agency like AL Risk Solutions works with multiple carriers. We compare coverage forms, terms and pricing across those markets, and we place your business with the ones that actually want it. You get one point of contact for your whole program and for every renewal after that.
No. Equipment rental and dealerships are our specialty, but we also insure contractors, real estate owners, manufacturers and distributors, transportation companies, and operating businesses of many kinds. We also write homeowners, renters, landlord and personal umbrella policies.
Usually under an inland marine form, such as a contractor's equipment floater or a rental equipment floater. Depending on the form, it can cover equipment on your yard, in transit and out on rent. Carriers handle equipment leased to others, conversion and theft differently, and that's why we read the forms side by side before you choose.
It depends on the wording. General liability policies differ in how they treat injury or damage caused by equipment in a customer's care, and your rental agreement also decides who carries the risk. We review your rental contract and your liability, umbrella and inland marine policies together, so they don't leave gaps or overlap.
Yes. Use the certificate request form and include the certificate holder's details and the contract's insurance requirements. Endorsements such as additional insured, waiver of subrogation and primary/non-contributory have to be supported by your actual policy. We'll tell you if a request needs a policy change first.
The most helpful items: current declarations pages, three to five years of loss runs, an equipment schedule or total values, a vehicle list with VINs, payroll by job class, annual revenue, and a sample of your rental or lease agreement. If you don't have everything yet, send what you have and we'll take it from there.
Yes. We write homeowners, renters, landlord / dwelling fire and personal umbrella policies. Many business owners keep their personal insurance with the same agency so they have one contact for everything.
No. A quote request, certificate request or message through this website does not bind, change or cancel coverage. Coverage begins only once it is confirmed in writing by AL Risk Solutions or the insurance carrier.
Our office is in Monsey, New York. Service area: [Confirm service area].
Three short steps. Share what you know now and we'll follow up for the rest. Commercial submissions move fastest with current declarations pages and loss runs.
Questions about coverage, a contract you're about to sign, or a renewal coming up. We're happy to talk it through.
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When you submit a form or contact us, we collect the information you provide, such as your name, business name, contact details and details about the coverage you're asking about. This website does not use advertising trackers.
We use your information to respond to your request, to prepare insurance quotes and service your policies, and to share necessary details with insurance carriers and related parties when you ask us to obtain or service coverage.
We don't sell your personal information. We share it only with insurance carriers, wholesalers and service providers as needed to handle your request, or when the law requires it.
Please don't send Social Security numbers, bank details or other sensitive information through website forms. We'll arrange a secure way to collect them if needed.
Questions about this policy: Abraham@alrisksolutions.com.
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The content on this website is for general information only and is not legal, tax or insurance advice. Coverage descriptions are summaries. Your actual coverage is determined only by the terms of your policy. Nothing on this site is an offer to sell insurance in any state where AL Risk Solutions is not licensed. Requests submitted through this website do not bind, change or cancel coverage. Images on this site are illustrative.