Comprehensive Insurance With Individualized Service

At MEK Financial Services Corp., we strive to find the right insurance solutions for your unique needs.

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The MEK Approach

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MEK Financial Services Corp.

Learn more about our agency.

For over 26 years, MEK Financial Services Corp. has proudly served New York, helping our fellow New Yorkers find the right insurance policies to meet their needs. Using our unique MEK Approach, we strive to give each customer an individualized insurance experience so that way they can find the right protection for their unique risks.

As a family-owned agency, we want you to feel like a part of our family so you won’t feel like a tally on a spreadsheet with us. We treat you with the service and dedication you deserve since you’re our top priority, not the insurance companies. Your success is our success, and we want to help you along the way throughout the insurance process.

What Makes MEK Financial Services Corp. Special

Here’s what sets us apart when it comes to serving your insurance needs.

Individual Attention

We strive to give each of our customers a personalized insurance experience with individualized attention.

Clients Come First

We go the extra mile to exceed your expectations, no matter what you need or when you need it.

Experienced Agents

With 26+ years in business, we understand what it takes to bring you quality coverage at the right price.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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Serving New York

From our office in Astoria, NY, we are proud to serve customers throughout all five boroughs of New York City, NY—the Bronx, Brooklyn, Manhattan, Queens, and Staten Island—as well as customers throughout New York state.

Expertise You Can Trust
Personalized Service
Customized Coverage

The Solution To Your Insurance Needs

Providing a variety of business insurance and personal insurance solutions is what MEK Financial Services Corp. does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Our Clients Rave About Us

Check out our reviews and see why you should switch to MEK Financial Services Corp.

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Real clients. Real reviews. Real coverage.

“I highly recommend MEK Financial Services for all your insurance needs. They are very knowledgeable and help their clients understand what insurance products they are receiving. They really make you feel like family and not just another client on a list.”

– Tony Naoum
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Contractor

Commercial General Liability Coverage

Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage

Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage

Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.

Solution

As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance

Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.

Solution

Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Workers’ Compensation and Employers Liability Coverage

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds

Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.

Solution

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, business auto, and directors and officers liability insurance. It provides a great safety net and helps ensure your contractor business is well protected.

Contractor Insurance 101

Make sure you cover the unique risks you face with contractor insurance.

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Astoria, NY

35-01 30th Avenue
Suite 203
Astoria, NY 11103

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