Independent Insurance for Nassau County Businesses and Homeowners
Nassau County isn't a map to us — it's where we've worked for over 75 years. Our office sits at 145 Pinelawn Road in Melville, right at the Nassau/Suffolk border, which puts us closer to most Nassau County communities than any agency with a distant regional office. When you call Carlstan, you reach the same agents who already know your zip code, your industry, and the carriers that write well in this market.
We serve businesses and homeowners across Nassau County: Hempstead, Garden City, Hicksville, Mineola, New Hyde Park, Great Neck, Oceanside, Valley Stream, Lynbrook, Elmont, and Floral Park, among others. Whether you're a restaurant owner on Franklin Avenue or a landlord managing an apartment building near Hempstead, we have the carrier relationships and local knowledge to place your coverage correctly.
Homeowners and Personal Insurance Throughout Nassau County
Nassau County homeowners face a range of risks that vary significantly by location. Inland communities like Garden City, Hicksville, and Mineola deal with standard property concerns — aging infrastructure, liability, and replacement cost gaps. Coastal communities are a different story.
Long Beach, Oceanside, Freeport, and Cedarhurst sit in zones with elevated flood and wind exposure. Standard carriers often won't write these properties, or they'll write them with coverage gaps that only become apparent after a storm. As an independent agency, we have access to specialty carriers and surplus lines markets that captive agents cannot reach. We place policies for coastal Nassau County homeowners that other agents turn away — and we make sure the coverage actually reflects what it would cost to rebuild, not just what a standard form allows.
Beyond coastal properties, we help Nassau County residents with auto insurance, condo insurance, renters insurance, and personal umbrella coverage. One agency, one relationship, all of it handled by the same people who know your full history.
Nassau County has a specific commercial landscape, and we know it well. Restaurants in Garden City and Great Neck face liquor liability, food spoilage, and high-volume equipment exposure. Apartment building owners in Hempstead and New Hyde Park need landlord coverage that accounts for older building stock and tenant liability. Professional offices — dental practices, law firms, accounting firms — throughout the county require policies that go beyond a standard BOP.
We work with commercial clients across these industries every day:
- Restaurant owners who need coverage that reflects the actual risks of food service operations
- Auto service shops, car washes, and body shops with garage liability and commercial auto exposure
- Apartment building owners and landlords managing multi-unit residential properties
- Professional offices — dentists, architects, accountants — that need both property and liability coverage
- Retailers across Nassau County who need a policy built around their inventory and foot traffic
As an independent agency, we're not locked into a single carrier's appetite. We shop your commercial coverage across multiple carriers and find the one that fits your business — not the one that's easiest for us to write.
Commercial Insurance for Nassau County Businesses
Carrier Relationships Built in the Nassau Market
Carlstan has maintained relationships with carriers including Travelers, Progressive, Andover, and specialty commercial markets since 1948. Those relationships weren't built overnight, and they weren't built somewhere else. They were built here, writing policies for Nassau County businesses and homeowners through decades of market shifts, storm seasons, and industry changes.
That history gives us placement options that newer agencies and captive agents don't have. When a Nassau County restaurant owner needs a carrier that understands food service liability, or a coastal homeowner needs a market that writes wind coverage in their zip code, we know where to go. Our carrier access is one of the most concrete advantages we offer — and it's a direct product of 75 years in this market.
Frequently Asked Questions from Nassau County Clients
Why should I use an independent insurance agent in Nassau County instead of going directly to a carrier?
An independent agent works for you, not for one company. We compare coverage and pricing across multiple carriers to find the right fit for your specific property, business, or situation. That matters especially in Nassau County, where coastal exposure and industry-specific commercial risks mean a single-carrier option often leaves gaps.An independent agent works for you, not for one company. We compare coverage and pricing across multiple carriers to find the right fit for your specific property, business, or situation. That matters especially in Nassau County, where coastal exposure and industry-specific commercial risks mean a single-carrier option often leaves gaps.Can you insure a home in Long Beach, Oceanside, or Freeport?
Yes. Coastal Nassau County properties are exactly where our carrier access makes a difference. We work with specialty carriers and surplus lines markets that write coastal properties other agencies can't place. We'll review your flood zone, wind exposure, and current coverage to find a policy that actually protects you.Yes. Coastal Nassau County properties are exactly where our carrier access makes a difference. We work with specialty carriers and surplus lines markets that write coastal properties other agencies can't place. We'll review your flood zone, wind exposure, and current coverage to find a policy that actually protects you.How long has Carlstan served Nassau County?
Carlstan Insurance Agency was founded in 1948 and has served Nassau County businesses and homeowners continuously since then. The agency is now operated by third-generation owners Adam and Ryan Erickson, and our Melville office remains the same local presence it has always been.Carlstan Insurance Agency was founded in 1948 and has served Nassau County businesses and homeowners continuously since then. The agency is now operated by third-generation owners Adam and Ryan Erickson, and our Melville office remains the same local presence it has always been.Do you insure small businesses in Nassau County, or only larger commercial accounts?
We work with businesses of all sizes across Nassau County. Small restaurants, single-location retail shops, solo professional practices, and individual landlords are all clients we serve regularly. Our process is the same regardless of account size — we review your exposure, compare carriers, and place coverage that fits.We work with businesses of all sizes across Nassau County. Small restaurants, single-location retail shops, solo professional practices, and individual landlords are all clients we serve regularly. Our process is the same regardless of account size — we review your exposure, compare carriers, and place coverage that fits.What Nassau County communities do you serve?
We serve clients throughout Nassau County, including Hempstead, Garden City, Hicksville, Mineola, New Hyde Park, Great Neck, Oceanside, Valley Stream, Lynbrook, Elmont, Floral Park, Long Beach, Freeport, Cedarhurst, and the surrounding communities. If you're in Nassau County, we can help.We serve clients throughout Nassau County, including Hempstead, Garden City, Hicksville, Mineola, New Hyde Park, Great Neck, Oceanside, Valley Stream, Lynbrook, Elmont, Floral Park, Long Beach, Freeport, Cedarhurst, and the surrounding communities. If you're in Nassau County, we can help.
One Office, One Team, One Point of Contact
When you work with Carlstan, you're not handed off to a call center or a rotating service team. Our office in Melville is staffed by the same small team that handles your account from the first quote through every renewal and claim. Adam and Ryan Erickson are directly involved in the agency's day-to-day work, and clients reach the same people every time they call.
We monitor email around the clock and check voicemail regularly, so if something comes up outside business hours, you're not left waiting. For Nassau County businesses and homeowners who want an agent that actually knows them, that's the difference between a transaction and a long-term relationship. Reach us at (516) 437-6565 or through our contact page to get started.