Independent agency & broker · Richmond Hill, New York
Certainty, put in writing.
N&H is an independent insurance agency & broker. We read the fine print for a living, shop every major carrier on your behalf, and design coverage around the life you actually live — then stand next to you when it matters.
The problem isn't price.
Form N&H / 02 — The PositionMost people don't find out what their policy says until the day they need it to say something else.
Insurance sold over a call center is priced in minutes and understood never. Coverage gets copied from an old policy, a deductible gets set by a default, and an exclusion buried on page fourteen quietly becomes your problem alone.
We work the other way around. Because N&H is independent, we answer to you — not to a single carrier's quota. We start with your home, your cars, your business, your people, and then place each risk with the carrier that treats it best. The result reads differently because it was written differently.
Advice first. Policy second. Always in that order.
The coverage index.
Form N&H / 03 — Lines of BusinessThe house, valued like it's yours.
Replacement-cost coverage tuned to Queens realities — older housing stock, two-family homes, and flood zones addressed from day one, not discovered after the storm.
- Wind & hail
- Flood placement
- Replacement cost
- Scheduled valuables
Liability limits that match your life.
State minimums protect the state. We set limits that protect you — and shop every carrier so the right coverage doesn't cost more than the wrong one.
- Full glass
- Rental & roadside
- New-driver strategy
- Multi-car placement
Built for the business you built.
From storefront to fleet to payroll, we structure commercial programs that survive an audit, a claim, and a growth year — without paying for coverage you'll never use.
- General liability
- Commercial property
- Workers' comp
- Commercial auto
The quiet million on top.
An umbrella policy is the least expensive serious coverage you can own. It sits above everything else and catches what the headlines are made of.
- $1M–$5M limits
- Sits over home & auto
- Often < $1/day
Measured, like everything else we do.
Form N&H / 04 — The Recordyear over year
under our advice
on every claim
competing for your risk
In their words
After the hailstorm, N&H called us before we could call them. The claim was moving by lunch.”— The Moreno family · Homeowners since 2019
They found two gaps our old broker never mentioned — and still brought the total premium down.”— D. Okafor · Owner, Okafor Logistics
It's the first time anyone explained our policies in sentences we could repeat to each other.”— Sarah & James W. · Home, auto & umbrella
How a policy should be written.
Form N&H / 05 — The MethodStep 01 Listen
A real conversation about what you own, what you owe, and who depends on you. No forms yet, no quotes yet — just the full picture, because the full picture is what gets insured.
30 minutes · In person or by phone
Step 02 Audit
We read your current policies line by line and map every gap, overlap, and exclusion against your actual exposure. You get the findings in plain English, on one page.
Your current coverage, decoded
Step 03 Design
We take your risk to market — a dozen A-rated carriers competing on our terms, not theirs — and assemble the program that fits. You choose from options you understand.
Carriers compete. You decide.
Step 04 Advocate
When something happens, you call us — not a hotline. We file, we push, we translate adjuster into English, and we re-shop your program every renewal so it never drifts.
One number. A person answers.
The N&H Coverage Review
Find out what your policy actually says.
- Line-by-line audit of your current policies Included
- One-page gap & exposure report Included
- Market comparison across 12+ carriers Included
- Side-by-side options, in plain English Included
- Obligation to switch None
Write to us in Richmond Hill.
Form N&H / 07 — CorrespondenceLet's put it in writing.
Mon–Fri · 9a–5p ET · Fax (718) 480-3064