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, 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 →Long-term care
Traditional and hybrid policies for the care Medicare doesn't cover.
Long-term care →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.
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 across four Capital Region counties, in person or by phone.