Tailored insurance solutions designed to protect what matters most—so you can focus on growing your business with confidence.
Esquire Agency is a full-service insurance agency dedicated to putting your needs first. Backed by decades of experience, we use a consultative approach to deliver customized insurance solutions at the right price. We believe informed clients make better decisions, which is why we take the time to educate you on your policy and how it protects what matters most.
What Our Clients Say
Rich listened carefully to our unique risks and built a flexible policy that scaled seamlessly as our operations expanded.
- Steve Dobies
The consultative approach made all the difference—our claims process was smooth, and the tailored coverage saved us significant costs.
-- Cathy Miraglia
Our Services
Personal & Commercial Auto Insurance
Esquire Agency insures drivers of all ages and experience levels. We’ll run reports and compare quotes from top-rated insurance companies to make sure you get the best coverage at the best price. We also monitor market changes and your driving record to help you save on renewals.
What we do
Compare quotes from multiple top-rated insurers so you don’t have to shop around.
Produce clear, side-by-side reports showing coverages, limits, deductibles, and total cost.
Match you with policies tailored to your needs—young drivers, high-mileage commuters, retirees, and everyone in between.
Monitor insurance market trends and changes in carrier pricing that could affect your policy.
Track your driving record for eligible discounts (good driver, defensive driving, low mileage, etc.).
Alert you to renewal opportunities and recommend when switching or adjusting coverage could lower your premium.
Personal & Commercial Umbrella Insurance
Umbrella Coverage ties it all together.
An umbrella policy is a cost-efficient way to provide additional liability protection beyond the limits of your primary personal or commercial insurance policies. It kicks in when the limits of your homeowners, auto, or business liability insurance are exhausted, covering large, unexpected losses such as severe bodily injury claims, substantial property damage, certain lawsuits, and legal defense costs.
Homeowners & Flood Insurance
Whether you’re buying a home or shopping for a lower cost policy, we help you find the right homeowners policy and offer a no‑obligation flood quote as flood risks often occur outside mapped zones.
We insure homes in every neighborhood and community type—urban, suburban, and rural—so you’ll find options tailored to your lifestyle and needs. Regardless of where you are in NYC, Nassau, or Suffolk County, we’ll provide policy comparisons to fit your needs and budget
And regardless of how close to the coast you are, “flood” is a broad term. Here’s a clear breakdown of the types of water damage that are typically covered under flood insurance, so you’ll know what protection to expect.
Commercial Lines Insurance
If you operate out of a storefront, work as a contractor, or own a retail or service business, we bring decades of experience building commercial insurance portfolios that protect your operation from start to finish.
What we cover
General Liability: Third-party bodily injury and property damage protection for clients, vendors, and visitors.
Workers’ Compensation: Medical and wage benefits for injured employees, plus employer liability coverage.
Commercial Property: Coverage for your building, contents, equipment, inventory, and loss of income from business interruption.
Professional Liability / Errors & Omissions: Protection against claims of negligent advice, design, or professional services (when applicable).
Commercial Auto: Coverage for business-owned vehicles, hired and non-owned auto liability.
Builders Risk & Contractors’ Equipment: Protection for construction projects and the tools and machinery that keep your operation moving.
State Disability & Paid Leave Coverage: Compliance-focused solutions for state-mandated disability and paid family leave programs.
Umbrella & Excess Liability: Additional limits to protect your business assets from large judgments or settlements.
Cyber & Data Breach: Coverage for data breach response, notification costs, and liability arising from cyber incidents.
Employment Practices Liability: Defense and settlement costs for claims like wrongful termination, discrimination, or harassment.
Inland Marine & Transit: Coverage for goods, materials, and equipment while in transit or stored off-site.
Crime & Fidelity: Protection against employee dishonesty, theft, and fraud.
Watercraft & Recreational Vehicles
You take pride in your watercraft, motorcycle, classic or collector vehicle, ATVs and more — and we’ll make sure they’re covered while you’re out enjoying them. As your needs change, your coverage should too.
We offer periodic policy reviews and market comparisons to keep your protection competitive, current, and aligned with your financial goals.
Whether you acquire a new toy, restore a classic, or change how often you use your vehicle, we’ll adjust limits, endorsements, and valuation methods so your insurance reflects real-world value and risk. Regular reviews help identify cost-saving opportunities, close coverage gaps, and ensure agreed values, spare-part coverage, and specialized protections (like laid-up or seasonal use) are in place when needed.
Life, Health & Supplemental Insurance
We work with hundreds of life insurance carriers to find the right policy for your needs — from short-term coverage to permanent plans like Whole Life and Universal Life. Our advisors will assess your goals and financial situation to recommend coverage that protects your family now and helps leave a lasting legacy for your loved ones.
Employee benefits solutions:
Group Health Insurance: Customizable plans to attract and retain talent while managing costs for your business.
Supplemental Insurance (including AFLAC options): Short-term disability, accident, critical illness, hospital indemnity, and other products to provide employees financial support when unexpected illness or injury occur.
How we help:
Personalized needs assessment to match coverage to your objectives and budget.
Access to competitive quotes across many carriers to find the best value.
Guidance on benefit design for employers, including cost-sharing strategies and employee education.
Assistance with application, underwriting, and policy management to simplify the process.
Protect your family and support your employees with thoughtful coverage that provides financial security when it matters most. Contact us to get a tailored quote and start building a benefits plan that fits your goals.
Your Questions, Answered
How long does it take to set up a new policy?
Many policies can be structured the same day after we gather the necessary information. Complex portfolios may require additional time, but we keep you informed at every milestone.
Can I adjust my coverage mid-term?
In most cases, yes. Your needs can change quickly, and our advisors are ready to make real-time adjustments—whether that means increasing limits, adding endorsements, or revising deductibles. Call us to discuss.
Do you make ‘house calls?
Yes. For qualifying commercial accounts, we on-location appointments which not only better accommodates our clients but also gives us an up close & in person opportunity to know exactly what your business is all about so we can better underwrite & consult.
Tell us more about you & let’s get to work
Ready to explore the right coverage for your organization? Reach out today to schedule a no-obligation consultation and discover how our tailored solutions can safeguard your growth.
