Personal, commercial, or somewhere in between. We shop 73+ carriers to build coverage that actually fits your situation. Not a template. Not a one-size-fits-all quote. A strategy built around you.
Your home, your car, your family, your stuff. We make sure all of it is covered properly, priced fairly, and reviewed regularly.
Your home is probably your biggest investment. A standard policy from one carrier might leave you with gaps you don't know about until you file a claim. We shop 73+ carriers to find the right balance of coverage and price, whether you own a starter home in Norwalk or a high-value property in Greenwich.
We specialize in high-net-worth homeowners who need more than a cookie-cutter policy. Custom rebuilds, scheduled valuables, extended replacement cost, liability protection that actually matches your exposure. We build it right from the start and review it every year.
High-Value HomesCondos & Co-opsVacation PropertiesNew ConstructionWhether you're a safe driver looking for a better rate, a new driver without prior insurance, or someone with a lapse in coverage who keeps getting turned away, we have markets for you. 73+ carriers means we can find options that captive agents simply can't offer.
We also handle exotic and specialty vehicles, multi-car households, and teen drivers that spike your premium. Instead of just accepting what one company quotes, let us show you what the full market looks like.
No Prior InsuranceMulti-CarExotic & ClassicSR-22Your homeowners and auto policies have liability limits. If you're sued for more than those limits, you're personally on the hook for the difference. An umbrella policy sits on top of your existing coverage and provides an extra layer of protection, typically in $1M increments.
If you have significant assets, investment properties, teenage drivers, a pool, a dog, or anything that increases your liability exposure, umbrella coverage isn't optional. It's essential. We'll make sure your umbrella actually aligns with your underlying policies so there are no gaps.
$1M+ CoverageAsset ProtectionLandlordsIf you live in a condo, co-op, or rental, you need coverage for your personal property and your liability. Your building's master policy doesn't cover your belongings, your improvements, or a lawsuit if someone gets hurt in your unit.
Renters insurance is one of the most affordable policies out there and most people don't have it. We'll make sure you're covered without overpaying.
Walls-In CoveragePersonal PropertyLiabilityStandard homeowners policies cap coverage on jewelry, watches, fine art, and collectibles at amounts that wouldn't cover a single piece in most collections. If you have items worth scheduling individually, you need a separate policy or endorsement that covers the full appraised value.
We work with carriers that specialize in high-value personal articles. Coverage for loss, theft, damage, and mysterious disappearance with no deductible in most cases.
Engagement RingsWatchesFine ArtWine CollectionsYour toys deserve the same attention as your car and your home. Whether it's a boat on the Sound, a motorcycle for weekend rides, an RV, a snowmobile, or an ATV, each one has unique coverage needs that a standard auto policy won't handle.
We'll educate you on what's covered, what's not, and where the gaps are. Then we'll find the right policy at the right price from our carrier partners.
Boats & WatercraftMotorcyclesRVsATVs & SnowmobilesIf you own property that you rent to others, your standard homeowners policy doesn't cover it. Landlord insurance protects the structure, provides liability coverage if a tenant or visitor is injured, and covers lost rental income if the property becomes uninhabitable.
Whether you own one rental unit or a portfolio of investment properties, we build coverage that scales with you. Our client portal lets you see every property and every policy in one place, so nothing gets missed at renewal time.
Single Family RentalsMulti-FamilyMixed-UsePortfolio CoverageRunning a business is hard enough. Your insurance shouldn't make it harder. We write almost any type of commercial policy and we shop the market to get it done right.
A sample of the industries we work with. Don't see yours? Call us. We probably write it.
The foundation of any business insurance program. General liability protects you against claims of bodily injury, property damage, and personal injury that arise from your business operations. If a customer slips in your store, if your product damages someone's property, or if you're accused of slander, this is the policy that responds.
Every business needs it. We make sure the limits, exclusions, and endorsements actually match the risks you face.
Slip & FallProduct LiabilityCompleted OperationsA BOP bundles general liability with commercial property coverage into one policy, usually at a lower cost than buying them separately. It's designed for small to mid-sized businesses and covers your building (if you own it), your equipment, your inventory, and your liability.
It's the most common starting point for small businesses and we can customize it with endorsements for your specific industry.
Small BusinessRetailOfficesRestaurantsIf you have employees, workers comp is required by law in most states. It covers medical expenses and lost wages if an employee is injured on the job. The cost varies significantly by industry, payroll size, and claims history.
We shop multiple carriers to find competitive rates and help you implement safety programs that can lower your experience modification factor over time. That means lower premiums year after year.
Required by LawMedical & Lost WagesExperience Mod ReductionIf your business owns vehicles, uses employee vehicles for work, or has drivers making deliveries, you need commercial auto coverage. Personal auto policies exclude business use, which means a claim could be denied if you're using your car for work without the right policy.
We cover fleets of all sizes, from a single work truck to a full delivery operation.
FleetsDeliveryHired & Non-Owned AutoProtects your building, equipment, inventory, furniture, and fixtures against fire, theft, vandalism, and certain natural disasters. If you own commercial real estate or have significant business assets on-site, this is the policy that makes sure you can rebuild and recover.
We also handle business interruption coverage, which replaces lost income if your business is forced to close temporarily due to a covered event.
BuildingsEquipmentBusiness InterruptionInventoryIf your business provides professional services or advice, you're exposed to claims of negligence, errors, and omissions. Professional liability (also called E&O) protects you when a client claims your work caused them financial harm, even if you did nothing wrong. The cost of defending a claim alone can be significant.
ConsultantsTech CompaniesProfessional ServicesFrom construction and contractors to restaurants and retail, from real estate investors to nonprofit organizations, every industry has unique risks. We write policies for industries that many agencies shy away from because we have the carrier relationships and the expertise to get it done.
If you're not sure what you need, call us. We'll walk through your operations and build a program from scratch.
ConstructionRestaurantsReal EstateNonprofitsContractorsWe partner with several carriers to help you protect the people who depend on you most.
Term life, whole life, and universal life options. Whether you need a straightforward term policy to cover your mortgage or a permanent policy that builds cash value, we'll compare options across multiple carriers and help you find the right fit for your family's situation and budget.
Life insurance is one of those things nobody wants to think about, but everyone needs. Let us make it simple.
Term LifeWhole LifeUniversal LifeLong-term care insurance helps cover the cost of extended care services that health insurance, Medicare, and Medicaid typically don't cover. This includes nursing home care, assisted living, home health aides, and adult day care.
The cost of long-term care is one of the biggest financial risks in retirement. Planning early gives you more options and better rates. We'll help you understand what's available and what makes sense for your situation.
Nursing HomeAssisted LivingHome HealthThat's what we're here for. Call us or fill out a quick form and our team will walk you through your options. No pressure. No jargon. Just straight answers.