Getting Started / Working With Us
For personal coverage, have your current policy (if any), property or vehicle details, and any recent claims information. For business coverage, share your operations, locations, payroll, and current insurance documents.
We aim to respond within one business day. If your request is time-sensitive, please call so we can assist sooner.
Timing depends on the type of coverage and details needed, but we aim to respond promptly and keep the process straightforward.
We review your property, vehicles, and liability exposure, then recommend limits and deductibles based on your goals and risk tolerance.
At least once a year, or whenever your business changes.
Absolutely. We can evaluate your current coverage, identify gaps, and recommend adjustments based on your goals and risk profile.
Yes. As an independent agency, we can help you compare options and explain key differences in coverage and pricing.
Yes. Building type, density, and flood risk can impact both cost and coverage.
You may not receive enough to fully recover, leaving you to cover the remaining costs.
Yes. We assist with policy changes, renewals, certificates of insurance, and guidance if you need to file a claim.
A COI is a certified document summarizing your active policy details and limits.
Personal Insurance
Yes. We help coordinate your unit-owner policy with the building’s master policy to ensure appropriate protection.
Yes. We can discuss landlord or dwelling policies designed for rental and investment properties.
An umbrella policy can provide additional liability protection above your home and auto policies. It is often recommended when you have higher assets or increased liability exposure.
Commercial - Property
Coverage typically includes buildings, equipment, inventory, furniture, and fixtures. Policies can be tailored to match the specific assets your business depends on.
It’s not always required by law, but lenders and landlords often require it.
Some events, such as fires or certain storms, are usually covered. However, flood and earthquake coverage often require separate policies, especially in higher-risk areas.
No. Standard homeowners’ policies typically exclude commercial liabilities and equipment. You need a specific endorsement or a separate commercial policy to protect home-based operations.
Commercial - Liability & Employer Coverage
Any business providing specialized advice or services for a fee should secure professional liability coverage.
New York State does not legally mandate general liability coverage for all enterprises. Commercial landlords and municipal licensing boards typically require proof of coverage before you can sign a lease or bid on a job.
Yes. New York State requires employers to carry short-term disability coverage alongside workers’ compensation to provide partial wage replacement for off-the-job injuries or illnesses.
It provides an extra layer of liability protection that kicks in when underlying policy limits are exhausted, defending your assets against catastrophic claims and major judgments.