Independent Insurance Agency Serving Suffolk County, NY
We're not visiting Suffolk County — we're here. Our office at 145 Pinelawn Road in Melville sits at the western edge of Suffolk County, at the center of one of Long Island's busiest commercial corridors. Carlstan Insurance Agency has been serving the businesses and homeowners of this region for over 75 years, and the communities along Route 110, the South Shore, and the North Shore know us by name.
Commercial Insurance for Suffolk County Businesses
The Route 110 corridor from Melville through Farmingdale and into Huntington Station is one of Long Island's most concentrated commercial strips. We serve the restaurants, auto service shops, contractors, professional offices, and landlords operating along this corridor and throughout the county.
Suffolk County's business mix is specific, and so is the coverage it requires. Restaurant owners in Huntington Village need policies that account for liquor liability, equipment breakdown, and food spoilage — not just a generic commercial package. Auto service shops along Route 110 and Route 347 need garage liability and commercial auto coverage that reflects the actual work being done on their lots. Apartment building owners in Bay Shore and Islip need landlord protection that covers both the structure and their liability as property managers.
We offer the full range of commercial coverage for Suffolk County businesses:
- Business Owner's Policy (BOP) for small and mid-size businesses
- Restaurant insurance with liquor liability and equipment coverage
- Auto service shop insurance for mechanics, body shops, and car washes
- Apartment building and landlord insurance for multi-unit residential properties
- Workers' compensation and employment practices liability
- Commercial auto, commercial umbrella, and general liability
- Professional office insurance for dentists, architects, accountants, and consultants
Suffolk County isn't a single market — it's a collection of distinct communities with different risks, different industries, and different insurance needs. The restaurants and retail shops in Huntington Village face different exposures than the contractors and auto service shops running along Route 347 in Smithtown and Commack. The waterfront homeowners in Babylon and Bay Shore face flood and coastal risk that a standard policy often doesn't address. We work across all of it.
As an independent insurance agency, we aren't tied to a single carrier. We access multiple carriers to find coverage that fits the actual risk — not the closest available option. That matters in a county as varied as Suffolk.
We serve businesses and residents throughout Suffolk County, including:
- Huntington and Huntington Village
- Smithtown and Commack
- Babylon and Bay Shore
- Islip and Bohemia
- Hauppauge and Brentwood
- Melville, Farmingdale, and Huntington Station
Suffolk County Insurance From an Agency That Knows the Territory
A Third-Generation Agency With Roots in This Region
Suffolk County homeowners face a range of risks that vary significantly by location. Inland properties in Smithtown, Commack, and Hauppauge have different exposures than waterfront and near-water homes in Babylon, Bay Shore, and the South Shore communities. Standard homeowners policies frequently leave coastal and flood-prone properties underinsured — and captive agents working with a single carrier often have limited options when a property doesn't fit the standard mold.
Because we work with multiple carriers, including specialty carriers that serve coastal and waterfront risks, we can find coverage for South Shore properties that a single-carrier agent simply cannot place. If you've been told your waterfront home is difficult to insure, that's a carrier limitation — not an insurance limitation.
We offer personal insurance for Suffolk County residents including homeowners insurance, auto insurance, condo insurance, renters insurance, personal umbrella coverage, and valuables and jewelry insurance.
Homeowners and Personal Insurance Across Suffolk County
Where is Carlstan Insurance Agency located, and do you serve all of Suffolk County?
Our office is at 145 Pinelawn Road, Suite 210S, in Melville — on the western edge of Suffolk County along the Route 110 corridor. We serve businesses and residents throughout Suffolk County, from Huntington and Smithtown in the north to Babylon, Bay Shore, and Islip along the South Shore.Our office is at 145 Pinelawn Road, Suite 210S, in Melville — on the western edge of Suffolk County along the Route 110 corridor. We serve businesses and residents throughout Suffolk County, from Huntington and Smithtown in the north to Babylon, Bay Shore, and Islip along the South Shore.Can you insure a waterfront or flood-prone property in Babylon or Bay Shore?
Yes. South Shore properties with coastal or flood exposure often require specialty carriers that standard captive agents don't have access to. As an independent agency, we work with carriers who write this type of risk and can find coverage options for properties in Babylon, Bay Shore, and other waterfront communities in Suffolk County.Yes. South Shore properties with coastal or flood exposure often require specialty carriers that standard captive agents don't have access to. As an independent agency, we work with carriers who write this type of risk and can find coverage options for properties in Babylon, Bay Shore, and other waterfront communities in Suffolk County.What types of businesses do you insure along the Route 110 corridor?
We insure a wide range of businesses along Route 110 and the surrounding commercial areas, including restaurants, auto service shops, retail businesses, professional offices, contractors, and apartment building owners. If your business operates in Melville, Huntington Station, Farmingdale, or the surrounding towns, we have direct experience with your industry and risk profile.We insure a wide range of businesses along Route 110 and the surrounding commercial areas, including restaurants, auto service shops, retail businesses, professional offices, contractors, and apartment building owners. If your business operates in Melville, Huntington Station, Farmingdale, or the surrounding towns, we have direct experience with your industry and risk profile.What is an independent insurance agent, and why does it matter for Suffolk County businesses?
An independent insurance agency represents multiple carriers rather than a single company. That means we can compare options across carriers to find coverage that fits your specific business or property — rather than fitting your risk into whatever one carrier offers. For Suffolk County businesses with specialized needs, or homeowners in coastal areas, that flexibility makes a real difference.An independent insurance agency represents multiple carriers rather than a single company. That means we can compare options across carriers to find coverage that fits your specific business or property — rather than fitting your risk into whatever one carrier offers. For Suffolk County businesses with specialized needs, or homeowners in coastal areas, that flexibility makes a real difference.How long has Carlstan been serving Suffolk County?
Carlstan Insurance Agency was founded in 1948 and is now operated by third-generation owners Adam and Ryan Erickson. We've been working with Suffolk County businesses and homeowners for over 75 years, and our carrier relationships reflect that history.Carlstan Insurance Agency was founded in 1948 and is now operated by third-generation owners Adam and Ryan Erickson. We've been working with Suffolk County businesses and homeowners for over 75 years, and our carrier relationships reflect that history.
Frequently Asked Questions About Insurance in Suffolk County
Carlstan was founded in 1948 — before the Long Island Expressway was finished, before the Route 110 corridor became what it is today. Adam and Ryan Erickson are the third generation to run this agency, and they work directly with clients. When you call our office, you reach the same people who wrote your policy and who will handle your claim. There's no rotating staff, no call center, and no account handoffs.
We're members of Trusted Choice and the Independent Insurance Agents & Brokers of America (IIABA), and we're licensed in New York, New Jersey, and Connecticut. For Suffolk County clients who do business or own property across state lines, that multi-state access matters.
If you're looking for an independent insurance agent in Suffolk County who knows the local market, reach us at (516) 437-6565 or request a quote through our website. Our office hours are Monday through Friday, 9:00am to 5:00pm, and we monitor email and voicemail around the clock.