Insurance Solutions
for Businesses and Households
Independent insurance brokerage serving $1–25M revenue businesses and affluent households across New York City, Long Island, Westchester, the Hamptons, and Los Angeles with ongoing guidance, annual reviews, and direct access to experienced advisors.
(212)786-2018
4.9 (32 reviews)
Serving NYC · Long Island ·Westchester · Hamptons · LA
Independent Solutions for Complex Coverage Decisions
Finding the right insurance partner can feel frustrating when your business is too complex for direct carriers but not large enough to command attention from national brokerage houses. Many business owners and high-net-worth households worry they are being renewed every year without meaningful conversations about changing risks or coverage gaps.
KJE Insurance works exclusively with businesses and households that value ongoing guidance, annual reviews, and a relationship built on understanding their evolving needs. From Manhattan businesses to Hamptons homeowners, our approach focuses on helping you make confident decisions backed by thoughtful advice and long-term support.
Coverage for the Businesses Running
Whether you're running a restaurant in Tribeca, a production company in Midtown, or a professional services firm in the West Village, your business carries real risk. We act as your commercial insurance broker in NYC — understanding your exposure, placing the right coverage, and staying in your corner as your business grows and changes.
Restaurant Insurance
Liquor liability, business interruption, general liability, and property coverage built for the real exposure profile of NYC's restaurant and hospitality operators.
Entertainment and Media Insurance
Production insurance, E&O, and media liability for companies and professionals in film, television, advertising, and entertainment — placed by a brokerage with real bicoastal reach across New York and Los Angeles.
Business Insurance
General liability, commercial property, cyber liability, EPLI, and more — structured around how your business actually operates, not how a carrier's standard form assumes it does.
Personal Coverage for Households With More to Lose
Whether you're running a restaurant in Tribeca, a production company in Midtown, or a professional services firm in the West Village, your business carries real risk. We act as your commercial insurance broker in NYC — understanding your exposure, placing the right coverage, and staying in your corner as your business grows and changes.
Homeowners Insurance
Whether you own a brownstone in Brooklyn, a condo on the Upper East Side, or a home in Nassau County, we broker the right policy for your property and your situation — not a one-size product.
High-Value Home Insurance
For properties where replacement cost, contents, and liability exposure exceed what standard carriers are equipped to handle, we work with specialty markets that write these risks correctly.
Auto Insurance
Personal auto coverage placed with carriers appropriate to your vehicle, your profile, and your location — reviewed alongside your other personal lines so nothing falls through the gap between policies.
The Conversation Doesn't End When the Policy Is Bound
Here's what many brokers don't tell you: once the policy is signed, you're largely on your own until renewal. No check-ins. No review. No one asking whether your coverage still fits.
At KJE Insurance, the relationship starts when the policy is bound — not ends.
We build standing reviews into every engagement, reaching out before you have to pick up the phone. When your situation changes—a new location, a new hire, a renovation, an acquisition, or a new asset—we're already part of the conversation.
Because insurance works best when it's reviewed regularly, not revisited only after a claim or renewal notice arrives.
Personal Coverage for the Homes and Assets That Matter Most to You
If you own a Manhattan co-op, a home in the Hamptons, or a property in Westchester, standard coverage probably isn't enough. We place personal lines with carriers that understand high-value real estate, complex asset exposure, and what it actually costs to rebuild or replace what you've built. And we review it every year — because your life changes, and your coverage should keep up
Why Independent Brokerage Makes a Difference
We work for you, not the carrier. Our job is to find the right coverage at the best available price — not to place you in the only product one company sells.
Real market access across multiple carriers means you get options, not a take-it-or-leave-it quote.
Annual reviews are built into every engagement. Your coverage is measured against your actual risk profile every year.
Every account is handled by a principal. There is no tier above you where attention goes first.
When you call or text
212-786-2018, someone who knows your file picks up.
Who We Work With
We work with two kinds of clients, and both share the same expectation — a broker who understands their situation and stays present after the paperwork is done.
On the business side, our clients include restaurant groups, media production companies, entertainment agencies, commercial property owners, and professional services firms across the NYC metro. Most are doing $1–25M in annual revenue — big enough to have real exposure, small enough to get ignored at the large houses.
On the personal side, our clients are homeowners, co-op and condo owners, and high-value households across Manhattan, Westchester, the Hamptons, and Long Island who need coverage placed by someone who understands what they own and what it's worth.
Testimonials
What Our Clients
Have To Say
Serving NYC, the Hamptons, Westchester, Long Island, and Los Angeles
KJE Insurance is based in New York City and works with clients across the metro and beyond. Our commercial clients are concentrated in Manhattan and the broader NYC area. Personal lines clients include property owners across Westchester, Long Island, and the Hamptons. Our Los Angeles practice serves entertainment and media professionals in Beverly Hills, West Hollywood, Culver City, Santa Monica, and Burbank.
Within New York City, we work with clients in Midtown, Tribeca, SoHo, Chelsea, the West Village, the Upper East Side, and the Upper West Side.
Ready to Talk to
Someone Who Picks Up?
Call or text 212-786-2018. Your message goes directly to a principal — not a call center, not a queue, not someone reading your file for the first time.
Contact Us
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Frequently Asked Questions
What does an independent insurance broker in Manhattan do differently than a direct carrier?
An independent broker works for you, not for one company. We access multiple carriers to find coverage that fits your actual risk profile — something a single carrier's sales channel simply can't do. For a business or a high-value household, that difference is significant.
Who do I call for business insurance in New York?
Call or text KJE Insurance at 212-786-2018. We work with commercial accounts across NYC, Long Island, Westchester, and the broader metro — restaurants, media companies, professional services firms, and more.
Does KJE serve clients outside of New York City?
Yes. We work with clients across Long Island, Westchester County, the Hamptons, and Los Angeles. Our entertainment and media practice has a strong bicoastal presence, and our personal lines work covers high-value properties well beyond the five boroughs.
Is KJE the right fit for a small business?
If your business does $1–25M in annual revenue, you're likely in a gap — too sophisticated for a direct carrier, too small to get real attention at a large brokerage. That's exactly who we built this practice for.
