Insurance without the runaround.

We don't work for an insurance company, so we're not stuck selling you one carrier's policy. We shop the market for the best price on the coverage you need. And you can call a carrier, but the riskier the risk, the fewer will deal with you directly. Many only deal with brokers. The ones advertising all day are marketing: rarely the cheapest, often unable to write the risk, and when they will, it costs you.

Rates move. Carriers come and go from a state depending on the market and the risk, and the state keeps a hand on pricing. That churn is exactly why shopping works. Send us your policy and we'll see what's out there.

For a property, often just the name and address. For a business, add what you do, your revenue or payroll and any past claims. Often the same day, sometimes within minutes: you'll get a first number fast, and we keep working it, because experience usually finds something better. Tell us your deadline and we'll be honest about what's possible.

We work directly with your loan officer, so the pressure's off you. Your only job is getting to the table.

All kinds. One-family homes to multi-unit high-rises, ground-up or fix-and-flip, for builders and investors. Terms run 3 to 12 months, or 24 months at a locked rate.

A certificate of insurance: one page that proves you're covered. Businesses need one to work certain locations. Lenders ask too, to release a financed vehicle off the lot or to close on a mortgage. Placed your policy with us? Use Request a COI.

Yes. Standard homeowners policies leave flood out. Whether a lender requires it or you simply want it, even outside a flood zone, we offer government-backed flood for homes, condos and commercial buildings.

Yes. Food trucks, food vendors, concerts, music, sports and more, for one day or several. Tell us the date, the crowd and what's going on.

Absolutely, even a building that's only partly vacant. Other brokers hand these back; we dig in. Some risks take more work, and we'll be upfront if one's a long shot.

A quote is free, and it isn't coverage. You're covered once the policy is bound and paid for. Binding in writing isn't the finish line. Once it's paid, we get the evidence of insurance to your bank.

Yes. We're licensed nationwide. New York is where we're based, not where we stop. You'd be surprised how often our brokerage is more competitive than the brokers in your own state. Give us a try.