Business Insurance for Alpine Households and Family Companies
Alpine is almost entirely residential, but an Alpine estate is a small business of its own: housekeepers, nannies, drivers, landscapers and contractors. And many Alpine families own companies that operate across the country. We insure both.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need workers’ comp for household staff?
Usually, yes. New Jersey generally requires it, and it protects you if a staff member is hurt.
What is employment practices liability for households?
Coverage for claims by household employees, such as wrongful termination or harassment. Some carriers offer it for families.
Can you insure my company outside New Jersey?
Yes. Stonebrook places commercial insurance nationwide.
Do contractors working on my estate need insurance?
Yes. Ask for certificates showing liability and workers’ comp before work starts.
Alpine households and the companies Alpine families own.
Household Employees
Workers’ compensation, employment practices liability and auto coverage for staff who drive.
Estate Operations
Contractors’ certificates, builder’s risk for renovations and coverage for property managers.
Family Offices and Holding Companies
Directors and officers, professional liability and cyber.
Real Estate Portfolios
Apartment, commercial and mixed-use property in New York, New Jersey and beyond.
Businesses Alpine Families Run
Property, liability, auto, cargo and umbrella programs placed nationwide.
Nonprofit Board Service
D&O for the organizations you serve.
What these usually need.
| Exposure | Core coverages | Often missed |
|---|---|---|
| Household staff | Workers’ comp | Employment practices liability; staff drivers on the auto policy |
| Renovation | Builder’s risk | Contractor certificates |
| Family office | D&O, professional liability, cyber | Crime and wire fraud |
| Real estate | Property, liability, loss of rents | Umbrella over each LLC |
| Operating company | Property, liability, auto, workers’ comp | Cyber; trade credit |
Running a household or a company?
Tell us about your staff, properties and businesses. We place commercial coverage nationwide.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“Rebecca was extremely helpful and easy to work with i highly recommended her and anyone on the Stonebrook team for all your insurance needs!”
“I have been a client of Stonebrook for many years for both commercial and residential policies. They check so the boxes. Professional, knowledgeable, pleasant to deal with.”
“Working with Brenda at Stonebroke is truly a breeze! She is extremely knowledgeable, professional, and always goes the extra mile to shop around and make sure we're getting the best quote possible. She is always on top of everything and makes sure all the details are in place.”
More for Alpine families.
What Alpine families ask us.
Is workers’ comp required for a housekeeper in New Jersey?
Generally yes for household employees. We’ll confirm what applies to your situation.
What is wire fraud coverage?
Coverage for money lost when criminals trick you or your staff into sending payments. Family offices and households with staff are frequent targets.
Can you insure a family office?
Yes, with D&O, professional liability, cyber and crime coverage.
Do you insure businesses in other states?
Yes. Stonebrook places commercial insurance nationwide.
Neighbors: Tenafly.
Sources for this page
Figures come from the sources listed and are dated where the source gives a date. Coverage descriptions are general; your policy wording controls.
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