Program Administrators - Program Brokerage Corporation

Program Brokerage Corporation

Programs & Coverages: Residential Real Estate, Pest Control, Senior Living Facilities , Elevators , PBC Environmental, Professional Liability, Fine Arts, General Wholesale , Excess Flood, Wind & Hail Deductible Buy Down, Construction, Terrorism Insurance Program (New!), *New* Umbrella Liability Program

M1065 Avenue of the Americas/5 Bryant Park | New York , NY 10018


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Company Description

Our Relationships. Your Advantage.

Today's savvy insurance buyers demand a comprehensive and user-friendly product as well as broad, cost-effective protection. They want quality carriers at a low cost and more service and attention than ever. Carriers are in a competitive, consumer-driven environment. New providers and alternative means of distribution entice buyers, and insurers must adapt or they will miss the market entirely. Agents and brokers must redefine their roles in order to keep their clients and service them professionally and profitably.

Program Brokerage Corporation (PBC) is a nationally ranked top wholesaler and powerful market resource for brokers and agents. PBC is also as a partner for carriers reaching out to the commercial insurance buyer in innovative ways. We’ve pioneered in Purchasing Group Insurance buying, an approach that has now won popular acclaim.

With experience, resourcefulness, financial backing and strong administration, we have enough conviction to participate with our own money on both the claims and expense side. We have a strong focus on underwriting and claims handling and legal expertise. This translates to a win for the producer, a win for the carriers, and a win for the insured. Let us tell you why and how.

Programs & Coverages

Residential Real Estate

The real estate industry is one of PBC’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. We were the first to offer Purchasing Group Programs for residential co-ops, condominiums and rental buildings. PBC currently arranges coverage for over 3,000 residential buildings with more than 200,000 units.

We offer a broad scope of coverage with strong markets, and can cover a single building or a multi-location national property portfolio. Coverages include:

  • All-Risk Property Insurance
  • Commercial General Liability
  • Umbrella Liability
  • Condo and Co-op Directors’ and Officers’ Liability
  • Environmental Insurance (first and third party), including above and below ground storage tanks
  • Lead Paint & Mold Liability Included
  • Terrorism

Minimum premium: $5,000

PBC offers the residential real estate program in the following states:

  • Connecticut
  • Maryland
  • Massachusetts
  • New Jersey
  • New York
  • Pennsylvania
  • Washington D.C.

Coverage is available in all other states on a stand-alone, non-program basis.

Gary Shapiro
(516) 496-1346


Pest Control

Weisburger Insurance, a Division of Program Brokerage Corporation, is a full service brokerage specializing in the pest control industry. Since 1934, we have been the largest provider of insurance products and services to this industry nationwide and are the Official Endorsed Broker of The National Pest Management Association (NPMA).

Part of our commitment has always been to recognize our responsibility to be proactive advocates on behalf of you and your clients by offering the best insurance programs in the marketplace, specifically customized for the pest control industry. Our experience and knowledge of this field puts us in a position to assist our clients in the best possible way, with customized coverage to fit each specific requirement in the most cost-effective manner possible.

Our specialized pest control insurance program includes the following coverage options, underwritten by an “A” rated carrier:

  • General Liability
  • Property
  • Inland Marine
  • Umbrella/Excess Liability
  • Crime
  • Commercial Auto*
  • Electronic Data Liability
  • Data Compromise Coverage

Territory: Available across the United States with the exceptions of WY, AL, HI and SD.

*Auto can be written in the following states: AL / AZ / AR / CA / CO / CT / DE / FL / GA / ID / IL / KY / ME / MD / MI / MN / MS / MO / NE / NV / NH / NJ / NY / NC / OH / OK / OR / PA / SC / TN / TX / VE / VA/ WA / W.VA / WI

Gary Sha
(516) 496-1346


Senior Living Facilities

The senior living industry is dynamic and ever-changing. New exposures continue to present themselves and innovative solutions must be created for your clients in this industry. For this reason, it is vital to work with a team of specialized experts dedicated to serving this industry with decades of experience. PBC's Senior Living insurance program provides comprehensive protection for a highly regulated and dynamic industry.

Target Business:

  • For Profit/Not-for-Profit Skilled Nursing Home Facilities
  • Assisted Living Facilities
  • Independent Living Facilities
  • Continuing Care Retirement Communities
  • Alzheimer’s/Memory Care Facilities

We offer a broad scope of coverage with strong markets. Coverages include:

  • Professional and General Liability
  • Excess Liability (High Limits available)
  • Property Coverage for Buildings, Personal Property and Business Interruption
  • Automobile (including Private Passenger and Transport Vans)
  • Boiler
  • Crime
  • Cyber Liability
  • Workers’ Compensation
  • Directors' & Officers' (including Employment Practices Liability)
  • Employee Benefits (including Medical and Life)
  • Residents’ Funds Bonds
  • Voluntary Employee Benefits (on Payroll Deduction Plans)
  • Violation of Residents’ Rights
  • Coverage for Physical and Sexual Abuse
  • Protection for Medical Directors (Acting Within the Scope of their Administrative Duties)
  • Facility Barbers and Beauticians Coverage
  • Regulatory Coverage

Territory: Continental United States

Michael Abreu



The National Elevator Insurance Program is a premier provider of insurance solutions for elevator contractors, inspectors, consultants, distributors and manufacturers. Working with customers and their insurance agents all throughout the nation, our seasoned experts truly understand this industry and all of the unique risks that these businesses can face. We will work with you to evaluate your clients’ specific needs and craft cost-effective programs to properly protect them against any future losses.


A single-source solution to elevator insurance.

  • General Liability, OCPs
  • Professional Liability
  • Umbrella, Excess Limits
  • Workers' Compensation
  • Surety
  • Property
  • Installation/Builder's Risk
  • Business Auto
  • Major Medical, Life, Disability

Coverage for a variety of equipment within the elevator industry, including:

  • Elevators (Passenger/Freight)
  • Escalators
  • Moving Walkways
  • Garage Lifts
  • Residential Lifts
  • Handicap Lifts/Wheelchair Lifts
  • Sidewalk Lifts
  • Dumbwaiters

Coverage for elevator and lift operations, including:

  • New Installation
  • Modernization
  • Maintenance & Repair (Service Contracts)
  • Inspections, Witnessing, Consulting & Testing
  • Manufacturing & Distributing

Minimum Premium: Traditionally, premiums start at $5,000 and up. The Workers' Compensation policy has minimum premiums per classification. These minimums vary by state.

John Tateossian


PBC Environmental

The only thing worse than your client not having any environmental insurance protection when they experience a pollution event is finding out the environmental policy you placed for them will not cover the claim. Environmental policies are unlike any other and present a coverage minefield to the uninitiated. PBC's Environmental Division has the knowledge and experience to understand your clients’ pollution risk and assure that they receive the correct coverage.

An inaccurate application response, a few additional or missing words hidden in a stack of endorsements or a single document innocently missing from your submission can easily lead to a claim denial. If you are like most agents that aren’t really experts when it comes to pollution insurance, then you should not be putting your agency at risk of making a mistake that can ruin a customer relationship and trigger a major E&O claim.

Our goal is to deliver our resources and capabilities to the agent and insured in whatever fashion that fits the circumstances. In some cases, agents involve us in direct discussions with clients and/or their professional advisers in order to address questions and develop strategies on individuals’ transactions and insurance programs.

Our core objective is to make certain our agents and brokers enable their clients and prospects to make fully informed business decisions concerning environmental risk and insurance.

John Butler


Professional Liability

Program Brokerage Corporation (PBC) is the go-to-source for producers seeking excellent Professional Liability products and service for their existing accounts and prospects.

Our Professional Liability division specializes in the following insurance products:

  • Directors & Officers Liability (Public, Private & Non-Profit Companies)
  • Employment Practices Liability (All Industries)
  • Miscellaneous Professional Liability (Consultants, I/T, Staffing, etc.)
  • Specified Professional Liability (Accountants, Lawyers, Insurance Agents, etc.)
  • Architects & Engineers
  • Real Estate D&O and Professional Liability (Condos, Coops, Apartment Buildings)
  • Media & Publishers Liability
  • Healthcare/Medical Professional Liability (Specified Medical & Miscellaneous Facilities)
  • Financial Institution Management & Professional Liability (Banks, Investments Advisors, Insurance Companies, Hedge Funds, etc.)
  • Crime/Fidelity (Focus on the accounts with recent claim activity)
  • Kidnap & Ransom

Products are targeted at the small to midsized customer although we can work on any size account.

All industries may be accommodated.

Mike Morales

Fine Arts

Fine Art risks require more than a generalists approach, we understand that unique exposures and items require specialized coverages. Our Fine Arts program handles placements for art, cultural and historical risks.We have the pen with specialty art carriers and the expertise to leverage best-in-class coverages and terms for your clients with valuable unique risks to insure.

We offer a broad scope of coverage with strong markets. Coverages include:

  • “All Risks” Direct Damage – Locations
  • Worldwide Transits/Unnamed
  • Legal Liability
  • Umbrella/Excess Liability (Museums)
  • Personal Articles Floaters
  • Manuscript Policies

Minimum Premium: $3,500

Target Business:

  • Artists
  • Auctioneers
  • Collectors
  • Dealers/Galleries
  • Exhibitors
  • Museums
  • Packers/Shippers
  • Storage Warehouses
  • Trusts/Estates

Territory: All 50 States & Worldwide (with domestic mailing address)

Norman Newman


General Wholesale

PBC's General Wholesale division provides our broker clients access to specialized markets for non-standard, more complex accounts that require more detailed underwriting analysis. Premiums in this class typically range in excess of $25,000 and are often written on a non-admitted basis.

Coverages available:

  • Mono-line Property & Commercial General Liability, including Products Liability
  • Special multi-peril package
  • Commercial Auto
  • Umbrella & Excess Liability
  • Workers' Compensation
  • Builder's Risk/Course of Construction

We can accommodate a wide variety of classes including:

  • Contractors (both General and Specialty Trade)
  • Manufacturing
  • Wholesale distribution & storage
  • Service & Retail
  • Large national/regional Real Estate (including coastal)
  • Vacant buildings

Cynthia O'Brien


Excess Flood

Understanding the appropriate insurance limits and proper coverage for a home or business is vital, yet many buyers continue to underestimate the risks they may face. PBC's in-house Excess Flood insurance program underwritten by a panel of A-rated carriers will help ensure adequate funds are available to repair your clients’ homes and/or businesses, with no minimum premium!

Coverages offered:

  • Contents Coverage: Available for Residential and Non-Residential Properties
  • Loss of Income Coverage: Net Business Income or Loss of Rent
  • Additional Living Expenses
  • Replacement Cost Available
  • Drop Down Business Income Coverage Available

Limits Available: Up to $15 million combined limits for building and contents.

Minimum Premium: None

Gary Shapiro
(516) 496-1346

Wind & Hail Deductible Buy Down

High winds and hail can devastate any property, even those located hundreds of miles off of a coast. PBC’s national “Wind & Hail Deductible Buy Down” insurance program, underwritten by an A rated carrier, will help alleviate the cost of high wind deductibles on your clients’ property coverage, with no minimum premium!

Coverages Offered:

  • Follow Form Wind/Hail
  • Buy Down Options Available:
    • Percentage to Percentage
    • Percentage to Dollar
    • Dollar to Dollar
    • Dollar to Percentage

In-House Quoting / Binding Authority for:

  • Location Limit up to $25M
  • TIV up to $100M (multi-location policy)
  • Up to 5 Locations
  • Accounts exceeding limits above can be considered as referrals to the carrier

A wide variety of industries can take advantage of our wind & hail deductible buy down insurance program. Target business classes include:

  • Real Estate (Residential & Commercial)
  • Office and Administrative
  • Industrial
  • Hotel/Motel/Short-Term Rental
  • Education
  • Retail/Warehousing/Hospitality
  • General Commercial
  • Solar Panels
  • Mobile Homes
  • Docks, Piers, & Wharves
  • Greenhouses
  • Construction

Gary Shapiro
(516) 496-1346


Due to the nature of the work performed, the construction industry is one of the most hazardous and highly regulated industries, requiring specialized, comprehensive insurance protection. Program Brokerage Corporation (PBC) specializes in providing the coverages needed to protect your clients in this high risk industry from the potentially devastating financial impacts of their many liability exposures.


New York Projects:

  • Owners’ Interest
  • General Contractors
  • Trade Contractors
  • Builders’ Risk
  • Wraps & Project Specific
  • Construction Managers

General Contractors:

  • Commercial General Contractors
  • High Rise, Hotels, Industrial, Rapid Transit, Schools & Health Care
  • Residential General Contractors
  • Single Family, Town Homes, Apartments, Condos, Custom Homes & Remodelers


  • Construction Managers
  • Roofers
  • Siding Contractors
  • Electrical
  • HVAC & Mechanical
  • Grading & Excavation
  • Concrete & Foundation



  • General Liability
  • Umbrella
  • Excess (No Mono-line Auto)
  • Wraps
  • Owners’ Interest
  • Project Specific
  • Auto

Builders’ Risk:

  • Single Shots
  • Reporting Forms
  • Large Frame Capacity
  • Wind & Hail Capacity
  • Flood & Excess Flood

Professional Liability:

  • Construction Management
  • Employment Practices Liability
  • Cyber
  • Crime
  • Kidnap & Ransom
  • Directors’ & Officers’


  • Real Estate Deals
  • Redevelopment
  • Contactors’ Pollution
  • Waste Hauling
  • Hazardous Materials
  • Site/Project Specific

Barbara Warn

Terrorism Insurance Program (New!)

Program Brokerage Corporation (PBC) is now offering a new Terrorism product for all classes of business nationwide. The policy will be written stand-alone for acts of Terrorism certified or uncertified with no required claim amount.

Why our program might be better suited to your clients than TRIA: 

  • Since 9/11, an event on U.S. soil has never been certified as an act of Terrorism and therefore TRIA remains untested for its loss payment.
  • TRIA sets a high bar for claims to be made with large financial policy triggers, deductibles that have increased year over year since 2016 and Federal certification.
  • TRIA is a back-stop solution for the insurance industry, while our policy is tailored to your clients' individual needs. 

Coverage Highlights:

  • Underwritten by AM Best Company rated “A” XV (excellent)
  • Limits available up to $250,000,000 for Property Damage and Business Interruption
  • Active Assailant sublimit of $1,000,000 subject to scheduled values
  • Active Assailant up to $3,000,000 available on a referral basis 
  • Sabotage coverage included
  • Threat and Hoax sublimit of $100,000
  • Denial of Access available on a referral basis
  • Zero deductible available
  • 24 month policies available
  • Coverage available in all states
  • No minimum premiums

Required Documents:

  • Acord 125
  • Location Schedule
  • Loss experience    

Gary Shapiro
(516) 496-1346


*New* Umbrella Liability Program

Program Brokerage Corporation (PBC) is offering an exciting new Umbrella Liability product, allowing for Follow-Form Lead and High-Excess policies with limits from $1 million to $10 million. PBC has in-house authority to quote, bind and issue policies, and the turn-around time can be as quick as the same day.

Program Highlights: 

  • Admitted and non-admitted coverage
  • Minimum premiums $600 (low hazard) / $900 (medium hazard)

Target Classes:

  • Family Restaurants
  • Hotel/Motel
  • Lessors’ Risk
  • Apartments
  • Condominiums (including D&O)
  • Dwellings
  • Vacant Land or Buildings
  • Trade Contractors
  • Carpenters
  • Landscape Gardeners and Design
  • Painters
  • Electricians
  • Consultants or Medical Office (premises only)

Underlying Requirements:

  • Automobile Liability – $1,000,000 CSL
  • Employers’ Liability – $100,000/$500,000/$100,000
  • General Liability – $1,000,000/$2,000,000/$1,000,000
  • Liquor Liability – $1,000,000/$1,000,000
  • All Coverages (except EL): minimum carrier rating of A–
  • (VII) or better by A.M. Best
  • Employers’ Liability: minimum carrier rating of B+ (VII) or better by A.M. Best
  • Underlying coverage must be written on an occurrence basis
  • Defense costs must be outside of the underlying limits

Exposure Limits*:

  • Apartments: 1,500 units
  • Dwellings: 500
  • Land: 10,000 acres
  • Payroll: $7.5m
  • Real Estate: 3 million square feet
  • Restaurants: up to 60% liquor
  • Revenue Exposure: $20m
  • Revenue Exposure for all Contractors: $5m
  • Vehicle Fleet: 40 vehicles with no more than 15 extra heavy trucks

Avoided Risks:

  • Trucking
  • NY, WA, CO, SC Contractor Risks
  • Exterior Work Above 4 Stories
  • Logistics
  • Energy Risks
  • Environmental
  • Medical Exposure or Devices
  • Cosmetics Manufacturing
  • Nightclubs or Adult Entertainment
  • Bars and Taverns
  • Internet Retailers
  • Toy Stores or Manufacturers
  • Camps or Day Care Facilities
  • Products imported from China

*Can consider higher exposure on a referral basis

For more information, please contact:

Mark Fox | 516-364-7747 |
Steven Giustino | 516-677-4891 |

Mark Fox