I equate the exposure to risk that individuals and businesses face each day to that of standing naked in front of your living room window with the blinds drawn.

Whether you’re the owner of a privately owned company or helping to manage a small public company, most likely, you have put a great deal of your hard earned money and/or time on the line - yet everyday you are risking it all with exposure to massive claims that may be uncovered. If you are not insured properly and if you are not getting the appropriate guidance to manage your risk, these claims can lead to a significant financial loss. 

My message to individuals and businesses who buy insurance and inherently have large bills for their business insurance, such as property, casualty, malpractice insurance, health and dental, etc., is that you should be purchasing insurance and choosing the professional (agent or broker) who guides you the same way you would evaluate a lawyer or accountant. Very often you are spending more money on all of your insurance premiums, collectively, than you are for your lawyer or accountant on an annual basis. 

Choosing the right insurance broker

When it comes to insurance, many people will jump when they hear that they can save money on premium and will ask for a cost comparison from any agent or broker who does so, yet often they do not want to leave their insurance broker because he/she is a friend or they feel pressure to stay in the relationship.

At the end of the day, if I can save you substantial premium dollars and show improved coverage while demonstrating more vision and accountability and proactive risk management, it will not serve your best interests to continue in a dysfunctional relationship.

About Michael

How I can help you:

I specialize in serving owners of privately held businesses, as well as small public companies, and providing them with the insight and buying power that was once available only to Fortune 500 companies.

For us, a property and casualty premium of $50,000 to $1 million is right in our wheelhouse.  For Health Insurance, usually a group of 50+ but we do work on smaller groups. Typically, a multi-national broker may be best suited for Fortune 500 type accounts, while a smaller broker may be great at handling a specific niche or many less sophisticated businesses.  

But, if you are like many owners of privately held companies or small public companies, you have a certain level of sophistication and too much at stake not to take advantage of HUB International’s unique position in the marketplace.  Simply put, we offer the buying power and streamlined management approach of a large broker with the industry specific expertise and attention-to-detail of a dedicated partner. 

Customized insurance audit and evaluation process:

One thing that every individual and business should do is an audit that evaluates the business insurance you currently have, how much you are paying and whether or not it matches with what you really need and the carriers you ought to be with.

If you have parts of your program that are not broke, I am not going to try to fix it, but when you do not have the right insurance coverage to protect yourself and your business, then it is my job to find you the right match.

I will examine your existing coverage and see if there is an intelligent way to lower cost and increase coverage. For an overview of the areas that I will evaluate for you and your company, click the links below:

Business Insurance      Employee Benefits     Personal Insurance

My Background:

I currently serve as Senior Vice President and Co-Chief Sales Officer of HUB International Northeast, a leading commercial insurance brokerage in North America. I’ve been an employee of HUB for over 24 years and am a member of its Executive Management Team. Over the past eight years, I have been recognized nationally as one of HUB’s top producers in North America.

During my career at HUB, I have been instrumental in developing and arranging insurance programs for a variety of privately held and small public companies including residential real estate owners and managers, commercial real estate developers, technology, Internet, law firms, nursing homes/assisted living facilities, manufacturers of soft and hard goods and financial services, including private equity firms, venture capital firms and banks. In addition to my sales role, I oversee the company’s marketing and communications program.

I earned a Bachelor's Degree from the State University of New York at Albany (1988) and I am a frequent speaker at industry seminars and colleges and universities."

I find that accountability is of great value to business owners. With a strong emphasis on a team approach, I find solutions within all disciplines of insurance - property and casualty; employee benefits; life insurance/financial planning; and personal lines. I am accountable for providing my clients with exemplary service, as well as the best value in the marketplace.

My Commitment:

I can be reached 24/7 to ensure that my relationships have my constant attention. I will always present a well qualified servicing team that includes both claims representatives and loss control support to each individual account that I support.

Move away from the window and call me today at 212 -338-2353 for a confidential and complimentary insurance evaluation and audit.