ABOUT US

Premier Risk Insurance is more than just an agency – we’re a family!

Premier Risk Insurance is a family owned and operated insurance firm with two generations actively involved in the day-to-day operation of our independent agency. Since 1986, we have worked hard to expand and develop our services that ensure each individual is taken care of the way that he or she deserves. It is our number one priority to provide you with the coverage you need. Wherever you reside in New York, you will be treated like family at Premier Risk Insurance.

Our expert agents understand the needs of individuals, families, and businesses owners. As a result, we are well-versed in securing quality insurance protection for each unique situation. From personal to commercial insurance, we can help you find the coverage you need and deserve. Because we are a full-service, independent insurance agency, we work for you. This means that we keep your best interests in mind throughout the entire process – from finding you the right coverage to handling a claim with care.

We are a family business, and we make the decisions. There is no outside committee or lender in charge of what we can provide to you. We are a full-service agency, meaning that from the initial appointment to the quoting process, billing, and claims, you will always receive personal top quality service that we are well known for.

Just a few of the insurance lines that we provide include:

Contractors

Building a project is no small fete. Ensure that you, as a contractor, are protected with insurance. With appropriate insurance, your contracting business and projects can take advantage of New York’s construction needs.

Real-Estate/Building Owners

Property is a hot topic in today’s society. Protect your properties and business with insurance that safeguards you from risks associated with real estate, including traditional liability insurance exposures, such as slips and falls.

Truckers

Keep safe on the road with our commercial truck insurance policies that come tailored to your truck and trailer needs. From liability to collision coverage to cargo coverage, we provide suitable protection.

Wholesalers/Manufacturers

Since there is so much diversity in wholesaler and distribution operations, you need to ensure you have covered all the bases. We can help find reliable coverage for. Your wholesale needs.

Auto Services

Whether you own an auto repair shop or body shop, having a robust business insurance policy will help keep your garage safeguarded against the unexpected. Let us handle your policies so that you can focus on doing what you do best – keeping your customers’ vehicles running smoothly.

Restaurant/Bars

From liquor liability to general liability, your bar or restaurant needs to acquire a variety of insurance policies before opening its doors. Luckily, we are here to help.

Retail Stores

Retailers face unique risks every day, from theft to regulatory issues to competition within the industry. Premier Risk Insurance can help you find quality general liability, property coverage, crime insurance, umbrella coverage, business interruption insurance, and more!

Offices & More

Your situation not listed above? Give us a call to discuss how we can find the right solution for your insurance needs.

We’d like nothing more than to sit down and chat with you over a cup of coffee. We’ll discover your risks and solutions to keep your assets protected. Are you ready to join our ever-growing family? Do not hesitate to give us a call. Close by? Stop by our office for a cup of coffee and a chat! We are ready to help.

Our Team

Get to know us! We are more than just insurance professionals. We are your neighbors and trusted advisors. We are part of the community just like you.

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SANTA & ARTIE

Premier Risk Insurance all started back in 1978 when Santa J Cuchel & Arthur Cafiero met at The Equitable Life Assurances Society of the US. Both of them left their positions at Equitable to start their own P&C consulting firm which is where Premier Risk Insurance began to bloom. After being business partners and best friends for over 7 years, Santa and Arthur decided to get married. With a leap of faith, they started cold calling in a small office in Queens, NY to progress the business. Over the years, business developed and their family grew. In 1989, they made the move to the Lynbrook office, where the company has been located for almost 30 years.  With a new generation helping at the helm, the family business continues to run with as much heart and passion as it did back in the 80s.

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SANTA & ARTIE
Maria & James

MARIA & JAMES

Maria – To Maria, Premier Risk Insurance is in her blood. Maria stepped into the business in 2013, following her parent’s footsteps and lifelong passion for helping others. She specializes in Contractors Insurance and Real Estate/Building Owners Insurance but truly enjoys all forms and aspects of the insurance firm. She is keen in working directly with clients and being able to assist them in finding the best possible protection to safeguard their assets and family.

James – He is a U.S. Air Force Veteran with an unmistakable gift for client relations. With such a background, he truly excels at looking at the finer details of policies and customer needs. He excels at Property and Casualty Insurance, as well as Life and Health Insurance. James has a knack for helping people, and won’t let you down when you are looking for your next insurance policy.

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SERVICE IS OUR MOST IMPORTANT PRODUCT