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Our Trusted Insurance Providers
As an independent insurance broker, Benco Brokers works with the country’s leading insurance companies to provide you with the best coverage options. We don’t believe in one-size-fits-all insurance plans. Because we are not locked into a single insurance company, we can shop your policy around to find the right balance of price, protection, and customer service. Whether you are seeking a policy for your household or protecting a multi-million dollar business, our relationships with top-rated national carriers give you a major competitive advantage.
Our insurance partners are selected carefully based on their financial stability, reliable claims processing, and specialized coverage options. By matching your unique personal or commercial risks with the strengths of specific carriers, we build a customized protection plan that fits your budget. From regional small business packages to high-value personal estate protection across New York, New Jersey, and Connecticut, these trusted carrier networks ensure that your assets are safe under any circumstances.
Our Personal & Business Insurance Partners
Below are the premier insurance companies we partner with to protect your personal assets and commercial investments:
Chubb is the world’s largest publicly traded property and casualty insurance company, widely known for protecting high-net-worth individuals and premium commercial enterprises. We utilize Chubb to write specialized homeowners insurance for high-value properties, historic brownstones, and luxury vehicles. On the business side, Chubb provides exceptional commercial property, corporate liability, and executive protection plans. Their elite claim services and commitment to complete asset restoration make them an ideal choice for clients who require superior coverage limits.
Travelers has been a pillar of the insurance industry for over 160 years and stands as one of the largest writers of property casualty insurance in the United States. We partner with Travelers to offer a vast array of personal and commercial policies. For businesses, Travelers excels at providing comprehensive workers' compensation, commercial auto fleets, general liability, and specialized industry packages. For families, their flexible home, auto, and personal umbrella options allow us to build dependable protection bundles designed to insulate your lifestyle from unexpected liabilities.
Progressive is a household name and a leading writer of auto insurance across the country. Beyond standard private passenger auto insurance, Progressive is our primary carrier choice for commercial auto insurance, commercial trucking operations, and specialized vehicle fleets. If your business relies on delivery vans, heavy-duty trucks, or contractor vehicles, Progressive provides highly competitive liability limits and physical damage protection. They are also an excellent option for personal recreational coverages, including watercraft, motorcycles, and commercial towing.
Hiscox is an international specialist insurer that focuses heavily on small business owners, freelancers, and independent contractors. We leverage Hiscox to protect small-to-mid-sized businesses with precision coverages like professional liability (errors and omissions), cyber liability, and tailored general liability plans. Hiscox understands the unique operational exposures faced by modern technology firms, consultants, and artisan tradesmen. Their streamlined underwriting process allows us to quickly secure highly targeted policies that protect your business from industry-specific lawsuits.
Safeco Insurance, backed by the financial strength of Liberty Mutual, specializes entirely in personal insurance solutions. Safeco allows us to easily bundle your homeowners, personal auto, watercraft, and excess umbrella insurance into a single, organized account. Their policies feature highly competitive pricing and dynamic coverage endorsements, such as replacement cost features for your personal belongings and roadside assistance packages. Safeco is a premier choice for families looking for reliable, comprehensive day-to-day asset protection.
Liberty Mutual is a global insurance leader offering a wide mix of commercial business coverages and personal asset lines. We work with Liberty Mutual to secure comprehensive Business Owners Policies (BOPs), commercial general liability, and robust multi-state workers' compensation protection. Their massive scale allows them to confidently underwrite complex risks across many industries, including construction, real estate management, retail, and manufacturing. Liberty Mutual provides the stable financial backbone required to handle large-scale commercial property claims.
National General specializes in providing unique, flexible auto and property insurance solutions tailored to non-standard or highly specific risk profiles. If you have unique home configurations, specialized vehicle options, or specific underwriting challenges that traditional carriers reject, National General provides accessible, high-quality alternatives. We utilize their targeted policy options to ensure that no client is left exposed to financial loss due to strict or rigid standard carrier guidelines.
Encompass Insurance focuses on providing premium, highly consolidated personal lines packages for homeowners who want elite coverage without managing multiple policies. Through Encompass, we can deliver a single policy format that wraps your primary residence, secondary vacation properties, personal auto, and personal umbrella protection into one simple statement with one annual deductible. This premium structure eliminates coverage gaps and simplifies your personal risk management strategy.
Frequently Asked Questions About Our Carrier Network
How does Benco Brokers choose which insurance company is right for me?
We begin by conducting a thorough review of your specific insurance needs, assets, and budget. Because different insurance companies specialize in different areas—for example, Hiscox excels at small business liability while Chubb specializes in high-value homes—we match your unique profile with the carrier that offers the most protective features and competitive rates for that specific category.
If I buy a policy through Benco Brokers, do I file claims with you or the insurance company?
While your insurance policy is backed directly by the carrier (such as Travelers or Progressive) who will issue the final claim payments, Benco Brokers acts as your personal advocate throughout the entire process. If you ever have an accident or experience property damage, you can contact our support team directly. We will help you report the incident to the carrier, review your coverage details, and guide you through the claims process to ensure you get a fair and timely resolution.
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