Business Details
35 Years
experience
Your Trusted Independent Insurance Partner in Roslyn Heights
We are a family-owned and operated insurance agency with over 30 years of experience serving clients in the competitive New York insurance market. As an independent agency, we prioritize our clients' needs by offering personalized service and access to multiple insurance carriers. Our team of experts specializes in both personal and commercial insurance, helping clients navigate complex coverage options to find tailored solutions that protect their assets. We pride ourselves on building long-term relationships through transparency, expertise, and a commitment to exceptional service.Our designation as a Trusted Choice agent reflects our adherence to high ethical and performance standards. Recognized as a Best Practices Agency by the Independent Insurance Agents & Brokers of America, we provide comprehensive insurance solutions for individuals and businesses, including homeowners, auto, umbrella, group benefits, and commercial policies. Our deep market knowledge allows us to secure competitive rates while ensuring clients understand their coverage. With bilingual services available, we remain accessible and responsive to our community's evolving needs.
Services
Homeowners Insurance
Auto Insurance
Business Insurance
Property Insurance
Group Medical Insurance
Umbrella Insurance
Commercial Auto
Flood Insurance
Valuable Articles Coverage
Defensive Driving Courses
Details
- Year established: 1991
Highlights and features
- We offer a choice of carriers to ensure the best policy for your needs
- Our independent status allows us to shop for competitive rates across multiple insurers
- We provide personalized service with in-depth policy explanations and claim assistance
- Our insurance programs are customized to manage all your personal and business risks
- We have specialized expertise in New York market requirements and coverage nuances
Associations and certifications
- Trusted Choice
- IIABA (Independent Insurance Agents & Brokers of America)
Services
Homeowners Insurance
We provide comprehensive homeowners insurance that protects your primary residence against damage, theft, and liability claims. Our policies include replacement cost coverage for contents and optional endorsements for flood, water backup, and valuable items. With expertise in New York-specific risks, we help ensure your home is adequately protected while explaining coverage nuances like deductible options and liability limits.
Commercial Insurance
Our commercial insurance solutions protect businesses against property damage, liability claims, and operational risks. We offer tailored packages including general liability, property insurance, professional liability, and trade credit coverage. Our specialists work with New York businesses to identify exposures and implement cost-effective risk management strategies while ensuring compliance with industry regulations.
Group Medical Insurance
We help businesses navigate complex health insurance markets to find affordable group medical plans. Our services include explaining ACA requirements, comparing network options, and implementing cost-saving strategies like wellness programs. We specialize in helping New York employers understand their options while balancing employee needs with budget constraints.
Umbrella Insurance
Our umbrella insurance policies provide additional liability coverage beyond standard home, auto, and business policies. We help clients understand required underlying limits and structure policies to protect assets against catastrophic claims. With expertise in New York liability laws, we ensure proper coverage amounts while explaining policy exclusions and claim scenarios.
Defensive Driving Courses
We offer state-approved defensive driving courses that reduce insurance premiums and driving points. Our programs meet New York DMV requirements and provide practical safety training. We help drivers understand how completing these courses affects insurance discounts while improving road safety awareness through both in-person and online formats.
People
Michael Wittkowski
President
With over 30 years in insurance, Michael Wittkowski co-founded Curran Cooney Penny Agency in 1991. He specializes in property/casualty, group health, and risk management, leveraging extensive industry experience to develop tailored solutions for personal and business clients.
Paul Carbone
President, N.S. Gigourtakis & Co
Paul Carbone has specialized in diplomatic community insurance since 2000. As President of N.S. Gigourtakis & Co., he provides commercial and personal insurance solutions for international clients while maintaining Curran Cooney Penny Agency's commitment to personalized service.
Questions
What is the purpose of Umbrella Insurance?
Umbrella insurance provides $1,000,000+ in extra liability coverage beyond home, auto, boat, and business policies. It covers injuries and property damage to others when underlying policy limits are exceeded.
Should I increase coverage for jewelry theft?
Standard homeowners policies have low limits for jewelry theft. We recommend scheduling valuable items or increasing coverage limits to ensure adequate protection for high-value possessions.
What issues exist with insuring certain Kia and Hyundai models?
Many insurers avoid specific Kia and Hyundai models due to high theft rates. These vehicles often lack engine immobilizers, making them easier targets for theft and harder to insure.
What is Replacement Cost on Contents coverage?
Replacement Cost covers contents at current value without depreciation. This means your belongings are replaced at today's prices without reduction for wear and tear.
How can I lower my auto insurance costs?
Take defensive driving courses every 3 years, maintain good credit, keep a clean driving record, and bundle policies. Paying in full or using auto-pay can also reduce premiums.
Why is life insurance important?
Life insurance provides financial security for loved ones after death, covering funeral costs, debts, and living expenses. It's most affordable when purchased young and healthy.
