Whether you're a retailer, property owner, light manufacturer or a restaurant entrepreneur, your business means everything to you. And, it's also important to us. That's why we offer great insurance protection for small to mid-sized Main Street businesses, just like yours.

Our commercial property and liability coverages are specifically designed to safeguard your business from the risks encountered in your day-to-day operations. With multiple options to choose from, it's easy to find the right blend of insurance products to fit your needs.

To become one of our valued customers, please complete our quick online questionnaire or have your agent or broker call us. Or, you can contact our Commercial Property & Liability division today for a Lancer-approved agent or broker near you.

If you are a producer and interested in representing one of the premier commercial insurance carriers in the United States, please contact us today.


We provide commercial liability and property coverages for many types of businesses throughout New York, New Jersey, Pennsylvania and Connecticut*, including:

  • Real Estate

  • Restaurants and Taverns

  • Retail and Wholesale

  • Light Manufacturing

  • Professional Offices

  • Miscellaneous Classes

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Commercial Package Policy (CPP)

A Commercial Package Policy (CPP) allows you to combine several individual coverages into a single policy. It's flexible, so you can pick and choose the coverages you need to properly protect your business.


Property coverage is a necessity for any business. It safeguards the property your business owns and leases, such as furniture, equipment, inventory, and fixtures against loss or damage when a fire, theft or another type of disaster strikes.

General Liability

In the course of doing business, anything can happen. You need to be prepared to defend yourself from lawsuits and protect your company's assets. General liability insurance policies can cover you and your business from claims of bodily injury, property damage and negligence related to your products, services or operations.


Our exclusive online educational materials are designed to help you keep your business safe and well protected. Explore Safety Stop, our blog for valuable information, how-to's, and more to help you run a safer and more profitable business. To view our archive of safety and loss prevention materials on a wide range of topics, simply login when it’s most convenient for you – 24/7/365.

And, with decades of practical knowledge serving small to mid-sized businesses, we understand the importance of serving your customers. That’s why, in the event of a loss, you'll have the claims expertise, resources and support you need right by your side to quickly get your business back up and running.

* Please contact us for a list of available products and coverages by state.

“Working with Lancer has provided us the opportunity to provide our clients with competitive rates from a carrier with a solid financial rating. The underwriters reply to us in a timely manner, and their Agency Portal has made it easier for us to provide prospective clients with quotes for great coverage in a manner of minutes.”
— Chris Gonzalez, Gonzalez & Co. Insurance Agency, Inc., North Bergen, NJ