37 lines of business across 5 areas
Every line of insurance we place
Car, home and business cover across western Queens, with a typical premium range published beside each one. Those ranges are what this area actually pays — they are not quotes, and they are not our prices to set or to discount.
Every figure on this page is a typical annual premium for this area, not a quote and not our price. A carrier files its rates with the New York Department of Financial Services and our commission is already inside the filed rate, so the same policy from the same carrier costs the same through any producer in the state. How premiums are actually set explains why, and how we are paid says what we get out of it.
Car & vehicle insurance
The most expensive thing most Queens households insure
A New York motor policy is seven separate things bolted together, and most people buy it as one. These pages take it apart — including no-fault, which pays your bills regardless of fault, and the underinsured motorist cover almost nobody carries enough of.
Car insurance in Woodside, NY
The whole New York motor policy explained by its seven parts — and what each one actually pays for when somebody hits you on Roosevelt Avenue.
$2,400 – $6,200
No-fault and PIP coverage
New York pays your medical bills through your own policy regardless of fault — and gives you thirty days to file the form that starts it.
Included
Uninsured and underinsured motorist
The cover that pays when the driver who hit you has none, too little, or drove away. The mandatory part is smaller than most people assume.
$40 – $220
Lapses, violations and getting insured again
What a gap in cover costs you in New York, why the DMV is a separate problem from the carrier, and how a record actually gets priced.
$3,600 – $11,000
Motorcycle and scooter insurance
A different policy with a different no-fault rule — motorcycles are excluded from New York PIP, which surprises almost every new rider.
$600 – $2,800
Commercial auto and van insurance
The moment a vehicle earns money it stops being a personal auto — and a personal policy will decline the claim on exactly that ground.
$3,200 – $8,400
Rideshare, livery and TLC insurance
The gap between your personal policy and the platform's, what the TLC actually requires, and why the two do not meet in the middle by themselves.
$5,400 – $14,000
Teen and newly licensed drivers
When a permit holder has to go on the policy, when a licensed child does, and the two credits that are worth more than any of the shopping around.
$1,900 – $4,800Home & property insurance
What it would cost to build again, not what it is worth
Rebuilding cost, the exclusions that actually bite in this housing stock, and the three small endorsements — water backup, equipment breakdown, service line — that between them cover most of what goes wrong in a pre-war Queens house.
Homeowners insurance in Woodside, NY
Rebuilding cost rather than market value, the four exclusions that matter in Queens, and why your mortgage company's number is not the right one.
$1,300 – $2,900
Renters insurance
The cheapest genuinely useful policy sold in New York, and the one whose liability half almost nobody realises they are buying.
$180 – $420
Condo and co-op insurance (HO-6)
Where the building's policy stops and yours starts — a line drawn in your offering plan or bylaws, not in the insurance policy.
$300 – $850
Landlord and rental property insurance
The two-family house you live in half of is a different risk to the one you rent out entirely, and the policy forms are not interchangeable.
$1,600 – $3,600
Flood insurance
Excluded from every homeowners policy ever written, mapped across a good deal of Queens, and subject to a thirty-day wait that makes late buying useless.
$700 – $2,600
Personal umbrella insurance
A million dollars of liability sitting above the policies you already have, for roughly the price of a month of car insurance.
$250 – $600
Jewellery, art and scheduled valuables
Your homeowners policy caps jewellery theft at a figure most engagement rings pass on the day they are bought.
1% – 2% of value
Water backup and home systems cover
Sewer backup and boiler failure are both excluded as standard and both restored by an endorsement that costs less than one cleanup.
$60 – $220Business insurance
Start with the lease, not with the policy
The insurance requirements in your lease and your customer contracts usually decide what you need, and they are longer than anybody reads. These pages cover the packaged policy and the four things it famously leaves out.
Business insurance in Woodside, NY
The businessowners policy that covers most small Queens businesses properly, and the four risks it is famous for leaving out.
$800 – $2,800
General liability insurance
The policy every landlord and every general contractor asks you for, priced off your receipts and your trade rather than your luck.
$600 – $2,400
Workers compensation insurance
Compulsory in New York from the first employee, with almost no exceptions and a penalty regime that does not care whether you knew.
$0.30 – $18
Commercial property insurance
Building, stock, tenant improvements and the income you lose while the place is shut — which is the part most policies are short on.
$1,200 – $5,400
Contractors and trades insurance
Liability, tools, the vehicle and the certificate the general contractor wants by Friday — plus New York Labour Law 240, which changes the arithmetic entirely.
$1,800 – $9,500
Restaurant, bodega and food business insurance
Spoilage, the fryer, the delivery moped and the liquor liability that a general policy quietly excludes.
$2,200 – $7,800
Professional liability and errors & omissions
For the businesses whose product is advice — where the loss is somebody else's money and no general liability policy touches it.
$900 – $4,200
Cyber liability insurance
New York's breach notification law applies to a two-person shop exactly as it applies to a bank, and notifying people is most of the cost.
$700 – $2,600
Commercial umbrella and excess liability
The extra layer that contracts increasingly demand, sitting above your liability, your auto and usually your employers liability.
$900 – $4,500
Surety bonds and licence bonds
Not insurance at all, despite being sold by insurers — a bond protects the person who asked for it, and you repay every dollar it pays out.
1% – 3% of bondLife, health & Medicare
The products sold with the most urgency and needing it least
How much and for how long, worked out before any product is named. Two of these pages exist mainly to remove a deadline that does not apply in New York — because in this state Medigap has no health questions and no closing window.
Life insurance
How much, for how long, and the arithmetic that answers both — done before anybody shows you a product.
$220 – $900
Term and whole life compared
The comparison the trade is worst at making honestly, because the two products pay the person selling them very differently.
5× – 15×
Disability income insurance
New York's statutory disability benefit is $170 a week and has not moved since 1989. Everything past that you buy yourself.
1% – 3% of income
Medicare Supplement and Advantage
New York community-rates Medigap and lets you in all year with no health questions — which removes every deadline anybody will try to sell you on.
$220 – $420
Group health and employee benefits
Small-group health, dental and the New York statutory disability and paid family leave cover that is not optional.
$650 – $1,400
Final expense and burial policies
A small whole life policy sold hard to people who are frightened. We sell it, and we will show you the arithmetic first.
$40 – $180Working with this agency
The part the commission is actually for
Reviews, renewals, certificates and claims. The sale takes an afternoon and the policy runs for years, and this is the half of the job that decides whether it was worth placing here. None of it is charged for.
Annual policy review
An hour with your actual declarations pages, looking for the three gaps that open quietly between renewals.
No charge
Claims reporting and support
Reporting it the same day, sending the carrier the history, and escalating — but never deciding, because deciding is not ours to do.
No charge
Certificates of insurance
Usually within the hour. What we will not do is describe cover on a certificate that is not on the policy.
No charge
Renewals and remarketing
We look at your renewal before you do, and we tell you when the answer is to stay put — which it often is.
No charge
New to New York
Why your premium doubled when you crossed a state line, what has to happen in which order, and the thirty-day clock on your registration.
No chargeNobody has voted us anything. There are no carrier logos on this website, no rating-agency letters, no accreditation seals and no review-platform stars. Displaying a carrier's mark borrows an insurer's authority for a broker's opinion, and a directory badge is a purchase rather than a finding. The one credential that means anything is the producer licence, which is a public record you can look up at the Department of Financial Services without asking us. Ours reads 00000, because this is a demonstration website for a business that does not exist.
Bring the declarations page and we will read it with you
Ask us what it would cost
Send or bring the summary pages of what you already have — those two sheets are where most of the useful conversation is. We will tell you what we would place it with and what that would cost, what we are paid for doing it, and whether you should move at all. Quite often the answer is that your current policy is priced fairly and you should keep it, and that is an answer we give in writing like any other.