Personal lines
Auto, home, renters, condo and the specialty lines that sit alongside them.
About us
Insurance is a promise. We read the wording.
We arrange cover across 67 lines, in one place, for people and businesses who would rather understand what they bought than find out at a claim.
What we actually do
We are an insurance agency. We do not underwrite risk and we do not pay claims — carriers do that. What we do is work out what you are actually exposed to, find carriers willing to cover it on sensible terms, explain the differences between their offers honestly, and then stay involved for as long as the policy runs.
That last part is where most of the value sits. Cover is easy to buy and easy to forget. A policy written around the life you had four years ago quietly stops fitting, and nobody notices until a claim exposes it.
How we are paid
In most cases we are paid a commission by the carrier that issues your policy, built into the premium rather than charged to you separately. On some commercial placements we charge an agreed fee instead, and we tell you which applies before you commit to anything. If a commission structure would make us prefer one option over another that suits you less, we say so.
What we will not do
- Quote cover you do not need because it is easy to sell
- Describe an exclusion as a technicality — exclusions are the policy
- Recommend a carrier purely because the commission is better
- Let a renewal pass silently when your circumstances have changed
- Tell you a claim is covered before we have read the policy and the facts
How we work
Four habits that make the difference
Read before quoting
We ask for your current declarations pages first. Half the time the useful advice is about what you already hold, not what we could sell you.
Explain the trade-off
Every option has one. A lower premium is a higher deductible, a narrower definition, or a carrier that settles more slowly. We put it in writing.
Write it down
Recommendations go to you in writing, including the ones you declined and why. It protects you and it keeps us honest.
Stay after the sale
Renewal reviews, life-event check-ins, and a named point of contact when a claim happens. Buying the policy is the start of the work.
Our people
Who you deal with
You get a named contact who knows your file, not a queue. Licensing and lines of authority vary by state — the people licensed for your state and product are listed on your policy documents.
Commercial lines
Liability, property, fleet, trade-specific packages and contract requirements.
Life, health and benefits
Life, disability, long-term care, Medicare and group benefits.
Claims advocacy
Reporting, documentation and chasing carriers until a claim settles.
Photographs are illustrative and show the teams you will work with by function.
Our offices
Midtown Manhattan, serving nationally
Our office is on Avenue of the Americas. Our clients are not — we place cover across the country, and the products available to you depend on the state you live or trade in rather than where we sit.
Get in touch
Start with a conversation
Tell us what you have and what has changed. We will tell you what is worth doing about it.