Specialty Insurance


The Stern Agency has developed a spectrum of insurance programs to provide for a wide variety of insurance needs.

Habitational and Commercial Property

The real estate industry is one of The Stern Agency’s strongest specialties. Our experience in real estate insurance is reflected in Programs that respond to the particular, and sometimes differing, exposures in various geographical regions.

The Stern Agency’s Habitational and Commercial Property Programs are designed to provide our clients with the comprehensive coverage they need at a premium level suitable for any market.

We are one of the first Agency’s to partake in the development of programs for residential co-ops, condominiums and rental buildings. The Stern Agency has worked very closely with our providers to develop programs that meet all of your insurance needs, while still maintaining a competitive pricing structure.

For Apartment Buildings | For Office Buildings

Restaurant & Hospitality program

The Stern Agency has over 20 years of experience in handling insurance programs for eating and drinking establishments, so we know the special exposures of this industry. Our package includes all the important coverages essential to the business owner. We write all lines of coverage including property, general liability, liquor liability workers’ compensation, auto and excess/umbrella. We emphasize unique coverages, unparalleled service and competitive pricing.


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Religious Organizations

We are the one of the leading insurance brokers for worship centers and related institutions in the United States. The Stern Agency’s Religious Organizations program offers coverages uniquely designed to meet a wide range of special insurance needs for Religious Organizations.


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Golf and Country Clubs

As an industry leader in providing insurance for private and semi-private golf and country clubs in 49 states and D.C, the Stern Agency has been  placing coverage for Golf and Country Club facilities for over 25 years. Our comprehensive policy is specifically designed to offer the widest possible coverage, combined with a flexible approach.

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Child & Day Care Centers

Where young children go, accidents follow, so it’s crucial to choose the right child care insurance program for your center. The right program fully protects you when the unexpected occurs–whether it’s a burst water pipe, a child’s fall from the jungle gym, or a windstorm.

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Bowling Alleys

We understand how to provide a flexible and comprehensive insurance program for bowling centers all across the United States. Our dedicated brokers have created a tailored insurance program specifically designed to meet the needs of today’s bowling center proprietors. We are excited about the opportunity to provide bowling centers complete and customized protection at competitive rates.

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Auto Repair Shops & Service Stations

We have introduced a program specifically focused on coverage tailored to meet the unique needs of garages, service stations, Auto Dealers and various other facilities.

With significant input from industry specialists Stern, alongside with our valued carriers, have developed this program based on the rising exposures that exist at the various establishments within this industry and the growing need for a viable solution to protect against these risks.

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Pest Control Program:

To keep up with the ever changing complexities of the pest control industry the Stern Agency has created a state-of-the-art insurance policy for today’s Pest Control Operators (PCO). Our program was designed to meet the complex coverage needs of Pest Control Operators. As your needs change, so does our program.

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Supermarket and Grocery Stores

The Stern Agency offer’s one of the broadest property/casualty programs available to food retailers. So whether you own a neighborhood convenience store or are a part of a supermarket chain, it’s worth checking out the benefits our Grocer program has to offer. And because picking coverages can be as confusing as choosing produce, our experts help you customize plans to your specific needs

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