Independent Insurance for Staten Island Businesses and Residents
Staten Island runs on small businesses, working families, and homeowners who've built something worth protecting — and Carlstan Insurance Agency has been serving communities like yours since 1948.
We're an independent agency based in Melville, NY, licensed across New York, New Jersey, and Connecticut. That independence means we're not tied to a single carrier — we shop the market on your behalf to find coverage that fits your business or your home, not just whatever a captive agent happens to offer. When you work with us, you deal directly with Adam or Ryan Erickson, the same people every time, with full knowledge of your account.
Personal Insurance for Staten Island Homeowners and Renters
Staten Island has some of the most distinct residential neighborhoods in the five boroughs — from the single-family homes of Tottenville and Great Kills to the condos and rental units closer to the ferry. Whether you own or rent, the right personal coverage keeps you from absorbing a loss that should have been covered.
We offer homeowners, renters, condo, and auto insurance for Staten Island residents, along with personal umbrella policies for broader liability protection and specialty coverage for valuables, jewelry, and watercraft.
Personal coverages available to Staten Island residents:
- Homeowners Insurance
- Auto Insurance
- Renters Insurance
- Condo Insurance
- Personal Umbrella Insurance
- Valuables and Jewelry Insurance
- Recreational Vehicles and Watercraft
Staten Island's business community is as varied as any borough — neighborhood restaurants, auto service shops, contractors, retailers, professional offices, and landlords managing multi-unit buildings. Each of those businesses carries its own risk profile, and a one-size policy rarely fits any of them well.
We work with small business owners across Staten Island to build coverage that reflects how their operations actually run. Whether you need a Business Owner's Policy as a foundation, workers' compensation to meet New York State requirements, or commercial auto coverage for vehicles on the road every day, we'll put together a program that holds up when something goes wrong.
Commercial coverages available to Staten Island businesses:
- Business Owner's Policy (BOP) — property and liability bundled for small business
- General Liability Insurance
- Commercial Auto Insurance
- Workers' Compensation
- Commercial Property Insurance
- Employment Practices Liability (EPLI)
- Commercial Umbrella Insurance
- Restaurant Insurance
- Auto Service Shop Insurance
- Apartment Building and Landlord Insurance
- Professional Office Insurance
- Retail Business Insurance
Commercial Insurance for Staten Island Businesses
Frequently Asked Questions About Insurance on Staten Island
We've been doing this since 1948. Our founders built this agency on the idea that an insurance agent should be someone you actually know — not a call center rep reading from a script, and not a different person every time you call with a question.
That's still how we operate. Our team is small by design. When you reach out, you reach the people who set up your policy and know your full history. We monitor email and voicemail around the clock, so if something happens outside business hours, you're not left waiting.
- Third-generation, family-operated agency founded in 1948
- Direct access to the same agents — no rotating staff, no handoffs
- Email and voicemail monitored 24/7
- Licensed in New York, New Jersey, and Connecticut
- Independent agents with access to multiple carriers
- Members of Trusted Choice and IIABA (Big I)
Why Staten Island Clients Choose Carlstan
Does Carlstan Insurance Agency serve clients in all five boroughs?
Yes. We serve businesses and residents throughout Staten Island, Brooklyn, Queens, the Bronx, and Manhattan, as well as Nassau County, Suffolk County, and surrounding areas. Our office is based in Melville, NY, and we're licensed across New York, New Jersey, and Connecticut.Yes. We serve businesses and residents throughout Staten Island, Brooklyn, Queens, the Bronx, and Manhattan, as well as Nassau County, Suffolk County, and surrounding areas. Our office is based in Melville, NY, and we're licensed across New York, New Jersey, and Connecticut.Can you help me find commercial insurance for a small business on Staten Island?
Yes. We work with small business owners across a range of industries — restaurants, auto service shops, retail stores, landlords, professional offices, and more. We'll review your operations and put together a coverage program that fits your actual risk exposure, not a generic package.Yes. We work with small business owners across a range of industries — restaurants, auto service shops, retail stores, landlords, professional offices, and more. We'll review your operations and put together a coverage program that fits your actual risk exposure, not a generic package.What's the difference between an independent agent and a captive agent?
A captive agent represents a single insurance company and can only offer that company's products. As an independent agency, we work with multiple carriers and can compare options across the market to find coverage that fits your needs and budget. You get more choices and an agent whose job is to advocate for you — not for one insurer.A captive agent represents a single insurance company and can only offer that company's products. As an independent agency, we work with multiple carriers and can compare options across the market to find coverage that fits your needs and budget. You get more choices and an agent whose job is to advocate for you — not for one insurer.How do I get a quote for insurance on Staten Island?
You can request a quote through our website, call our office at (516) 437-6565, or send us an email. We monitor email and voicemail around the clock, so you can reach out at any time and expect a prompt response.You can request a quote through our website, call our office at (516) 437-6565, or send us an email. We monitor email and voicemail around the clock, so you can reach out at any time and expect a prompt response.Do I need workers' compensation insurance if I have employees in New York?
In most cases, yes. New York State requires employers to carry workers' compensation insurance for their employees, with limited exceptions. If you're a business owner on Staten Island with one or more employees, we can review your situation and help you get compliant coverage in place.In most cases, yes. New York State requires employers to carry workers' compensation insurance for their employees, with limited exceptions. If you're a business owner on Staten Island with one or more employees, we can review your situation and help you get compliant coverage in place.
Ready to Talk Through Your Coverage?
We've helped Staten Island businesses and families find the right insurance for more than 75 years. Reach out today — there's no obligation, and you'll be talking to someone who actually knows this market.