Every line of insurance I offer
Licensed in New York for life, accident and health (LA-1934647) and as a property and casualty agent and broker (PC-1934647, BR-1934647), certified with NY State of Health, and a Registered Social Security Analyst. Here is everything, in one place, with a page for each.
Medicare and Social Security
The largest part of my practice. No fee for plan comparison or enrollment.
Medicare plans
Advantage, Medigap and Part D compared against your doctors and prescriptions, county by county.
Medicare →Medicare Supplement (Medigap)
New York's year-round guaranteed issue and community rating, Plan G vs N, switching.
Medigap →Medicare Advantage
Networks, extras, out-of-pocket maximums, and the Capital Region's health systems.
Medicare Advantage →Part D prescription plans
Formularies, the $2,100 cap ($2,400 in 2027), EPIC and Extra Help.
Part D →Help paying for Medicare
Medicare Savings Program, Extra Help, EPIC, dual-eligible plans.
Assistance programs →Medicare under 65
SSDI, ALS, ESRD, and New York's under-65 Medigap access.
Under 65 →Turning 65
The checklist, the deadlines, and working past 65.
Turning 65 →Social Security claiming
When to claim, spousal and survivor benefits, from a Registered Social Security Analyst.
Social Security →Life and health
Life insurance
Term, whole, universal and final expense, sized from what your household needs.
Life →Health insurance under 65
NY State of Health plans, tax credits, the Essential Plan, COBRA, early retirees.
Health →Disability income
Own-occupation coverage that replaces a paycheck; why DBL isn't enough.
Disability →Auto, home and personal
Auto
NY minimums, SUM, no-fault, teen drivers, rideshare.
Auto →Homeowners
Replacement cost, water backup, older homes, dog breed rules.
Home →Renters
Contents, liability, and the certificate the landlord wants.
Renters →Condo and townhouse
Walls-in limits from the master policy, loss assessment.
Condo →Landlord
Dwelling fire policies for 1 to 4 unit rentals, loss of rents.
Landlord →Personal umbrella
$1 to $5 million above auto and home.
Umbrella →Flood
NFIP and private flood near the Mohawk, Hudson and creeks.
Flood →Motorcycle, boat, RV, snowmobile
Specialty policies for what the auto policy doesn't cover.
Recreational →Business insurance
By coverage and by industry. Almost every line a small business needs, with private workers' compensation carriers.
By coverage
General liability
Injuries, property damage, products, certificates.
GL →Workers' compensation
Required from the first employee in New York.
Workers' comp →DBL and Paid Family Leave
The other mandatory policy, and enriched DBL.
DBL/PFL →Business owners policy
Liability, property and income in one package.
BOP →Commercial auto
Vans, trucks, hired and non-owned.
Commercial auto →Commercial property
Buildings, equipment, stock, business income.
Property →Professional liability
Errors and omissions for advice and services.
E&O →Cyber
Breach response, ransomware, card data.
Cyber →Commercial umbrella
Higher limits for contracts and peace of mind.
Umbrella →Liquor liability
Dram Shop exposure for anyone who sells alcohol.
Liquor →Employment practices
Discrimination, harassment and termination claims.
EPLI →Inland marine
Tools, equipment and property in transit.
Equipment →By industry
Restaurants and bars
The largest part of my commercial book.
Restaurants →Contractors and trades
GL, Labor Law §240, tools, certificates.
Contractors →Retail shops
BOP, stock, crime, cyber.
Retail →Salons and barbershops
Beauty professional liability, booth renters.
Salons →Landscapers
Equipment, pesticide, snow removal.
Landscapers →Trucking and delivery
Filings, cargo, non-trucking liability.
Trucking →Cleaning and janitorial
Bonds, lost keys, contracts.
Cleaning →Auto repair and body shops
Garage liability and garagekeepers.
Auto repair →Convenience stores and gas stations
Spoilage, crime, tank pollution.
Stores →Daycare and childcare
Abuse and molestation coverage, OCFS.
Childcare →Food trucks
Commercial auto plus the kitchen, event certificates.
Food trucks →Medical and dental offices
The office package around malpractice.
Practices →Not listed? Ask. Most small-business classes can be placed. Türkçe hizmet verilir.
Auto, home and business insurance by town
The same lines, written for the houses, roads and businesses of each place. Medicare has its own county and town pages.
Albany
Pre-war houses, two- to four-families, renters, street parking, the Patroon Creek.
Albany →Clifton Park & Halfmoon
Finished basements, townhouse master policies, teen drivers, the umbrella. Home base.
Clifton Park →Latham & Colonie
Mid-century roofs, Route 9 commutes, Siena renters, the airport-to-Wolf Road corridor.
Latham →Saratoga Springs
Historic and high-value homes, track-season rentals, horses, the lake.
Saratoga Springs →Schenectady
Older two-families, the Stockade and the Mohawk, price-shopping that keeps coverage.
Schenectady →Troy
RPI and Sage renters, brownstones, small landlords, the Hudson.
Troy →We do not offer every plan available in your area. Currently we represent 10 organizations which offer 81 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week.
Common questions
Short answers to what people ask before they call.
Still have a question? Call (518) 902-8822 or book a call.
Who is the best insurance agent in the Capital Region?
No agent can honestly name themselves the best, me included; what you can do is check. Search the agent's name in the NY DFS licensee search and see which licenses come up: property and casualty for car, home and business insurance, life, accident and health for life, health and Medicare. Then ask how many carriers they can quote (an agent appointed by one company can only offer that company's policies), who you call after the sale for a certificate, a policy change or a claim, and read reviews you can see for yourself. My own details to check: New York licenses LA-1934647, PC-1934647 and BR-1934647, National Producer Number 21711447, and my Google reviews.
Let's talk it through
A phone call or a message is all it takes. The first conversation is just a conversation.
Where I work
I'm based in Clifton Park and work in person across six counties, the four on the map plus Warren and Washington, or by phone.
Close to the Clifton Park office: Clifton Knolls, Country Knolls, Rexford, Vischer Ferry, Jonesville, Groom's Corners and Halfmoon across Route 9 — I'll come to you at home.
Auto, home and business insurance by town
Medicare has its own county and town pages.