Lynbrook, NY · Independent insurance agency
J&M Insurance.Tailored coverage. Direct personal service.
Commercial and construction insurance. Home, auto and high-value personal coverage. Tailored advice from local agents who know your business and your household.
Commercial lines
Coverage built around how you work
General Liability
Third-party injury, property damage and the lawsuits that follow — the coverage most landlords, clients and municipalities ask for first.
Business Owners Policy
General liability and property bundled into one affordable package for small and growing businesses.
Commercial Property
Your building, inventory, equipment and tools against fire, storm, vandalism and theft.
Commercial Auto & Fleet
Cars, vans, box trucks and trailers — owned, hired and non-owned drivers all covered.
Workers' Compensation
Required in most states the moment you hire. Covers medical costs and lost wages after a job injury.
Professional Liability (E&O)
Claims of negligence, errors, missed deadlines or bad advice in the services you sell.
Businesses we write for
Personal Lines
All your needs
Home & Renters
Protect your house, belongings and liability — from storm damage to a burst pipe.
Auto
Liability, collision and comprehensive with discounts for bundling and safe driving.
Personal Umbrella
Extra liability above your home and auto limits, for peace of mind.
Boat, RV & Toys
Weekends on the water, road trips, motorcycles and more.
Personal service
You'll talk to us. Not a call center.
Plenty of agencies take your application and then pass you to an outside service company or a phone queue. We don't. The same licensed people who quote your coverage are the ones who answer when you call, explain your policies and review them at renewal.
One agent, start to finish
No transfers, no press-1 menus, no account number for a call center. You call, one of us picks up.
We shop, you save
One conversation, many quotes from multiple carriers. We find the best mix of price and protection for every policy you carry.
Coverage that keeps up
As your business and household change, we review your policies and help keep your protection aligned with your needs.
Based at 149 Broadway, Lynbrook, NY 11563. Talk to one of us.
Ready to review your coverage?
Business program, household policies or both — free quote in about 15 minutes.