Business Details
Trusted Insurance Solutions in the Hamptons
Founded in 1875, DRO Insurance has established itself as a premier insurance agency serving the Hamptons and beyond. Our agency combines deep local knowledge with national and international expertise to deliver personalized insurance solutions for both individuals and businesses. With a disciplined approach to risk management, we specialize in creating tailored coverage for high-value assets, including homes, vehicles, collections, and commercial properties. Our team of licensed agents brings decades of collective experience, prioritizing client relationships and proactive service.We pride ourselves on simplifying complex insurance needs through thorough consultation and a no-pressure approach, ensuring clients receive coverage that aligns precisely with their unique requirements. Our commitment to excellence extends beyond insurance, as we actively support local nonprofits and maintain a strong presence in the communities we serve.
Services
Homeowners Insurance
Auto Insurance
Excess Liability
Private Collections
Flood Insurance
Boat/Yacht Insurance
Builders Risk
Business Property
Commercial Auto
Cyber Liability
Highlights and features
- We have over 145 years of local expertise in the Hamptons insurance market.
- Our disciplined approach to complex risk management delivers tailored solutions.
- We maintain national and international insurance industry connections.
- Our team includes Certified Insurance Counselors and specialized agents.
- We offer proactive service with a no-pressure, client-first philosophy.
Services
Homeowners Insurance
We provide comprehensive protection for high-value homes in the Hamptons. Our policies address coastal risks, luxury features, and unique property needs. With specialized knowledge of local building codes and environmental factors, we ensure adequate coverage for one of your most significant investments while offering personalized risk management strategies.
Flood Insurance
Our flood insurance solutions address coastal and inland water risks specific to Long Island. We help clients understand mandatory coverage requirements and secure policies that protect against rising water damage. Our expertise includes standard flood policies and excess flood coverage for high-risk properties, ensuring comprehensive protection for waterfront residences.
Private Collections
We offer specialized coverage for art, jewelry, antiques, and other collectibles. Our agents understand the unique insurance needs of valuable personal property, providing appraisal assistance and tailored policies that protect against theft, damage, and depreciation while ensuring proper valuation and replacement options.
Commercial Auto
Our commercial auto insurance protects business-owned vehicles operating in the Hamptons and beyond. Policies cover luxury transportation fleets, service vehicles, and executive cars with enhanced liability limits. We address industry-specific risks while ensuring compliance with state and federal regulations for commercial vehicle operations.
Cyber Liability
We help businesses mitigate digital risks through comprehensive cyber liability coverage. Our policies address data breaches, network security failures, and electronic privacy violations. With tailored solutions for small businesses and large enterprises, we provide risk assessment tools and incident response support to protect sensitive information and maintain regulatory compliance.
People
John McGuirk
VP Sales/Marketing
A native of East Hampton with over 30 years of insurance experience, John graduated from Saint Josephs College in 1986. He actively contributes to local preservation efforts and community organizations while managing client relationships and marketing strategies for the agency.
Frederick W. Ritz III
VP Private Client Group
With insurance industry roots dating back to his family's founding of Ritz Insurance, Frederick brings decades of experience in private client services. He graduated from St. Lawrence University and combines generational knowledge with modern risk management approaches for high-net-worth clients.
Jeff Brown
VP Commercial Lines
A Certified Insurance Counselor with over 20 years at DRO, Jeff specializes in commercial risk management. He graduated from Lynchburg College and contributes extensive community service experience while developing tailored insurance solutions for business clients across multiple industries.
Ava Lattari Warren
VP Personal Lines
A 2016 CAPI designation recipient from Chubb Insurance Group, Ava focuses on evolving personal insurance service models. She received the Emerging Leader Award in 2018 and serves on industry association boards while managing complex personal insurance portfolios for discerning clients.
Questions
How do I file an insurance claim after business hours?
For after-hours claims assistance, contact your carrier directly using the toll-free numbers available on our website. Our regular claims team is available during standard business hours for all policyholders.
What makes Dayton Ritz + Osborne different from other agencies?
Our agency combines 145+ years of local Hamptons expertise with national insurance resources. We focus on personalized service through long-tenured professionals who take a no-pressure approach to complex risk management.
Do you offer specialized coverage for high-value assets?
Yes, we specialize in insurance solutions for luxury homes, classic cars, private collections, and commercial properties. Our agents have specific expertise in protecting unique and valuable assets with tailored coverage options.
Can you help with both personal and business insurance needs?
We provide comprehensive coverage for both individuals and businesses, offering coordinated protection strategies that address personal and commercial risks through integrated risk management approaches.
What areas do you serve beyond the Hamptons?
While our offices are in East Hampton and Southampton, we provide insurance solutions nationwide and internationally through our network of carrier partners and specialized coverage options.
How does your risk assessment process work?
We conduct thorough consultations to understand your specific needs, asking detailed questions about assets and potential risks to create customized insurance strategies that provide comprehensive protection without unnecessary coverage.
