Source: https://covertrustinsurance.com/ Your independent insurance partner # Your life. Your business. Covered. You’ve got a lot worth protecting. We make it easier to find the right coverage, at a price you understand. [Find my coverage](https://covertrustinsurance.com/quote/) [Talk to Daniel](tel:+16318773592) ✓ Prompt quote handling✓ No additional broker fees Proudly helping our neighbors in NY, NJ, CT & PA. FOR EVERYTHING YOU CALL YOURS. **Daniel Kazberuk**Licensed insurance brokerNPN 20298170 Your questions. A real person’s answers. CHOICE, WITH GUIDANCE Well-known names. A personal recommendation. [Explore all 135 markets](https://covertrustinsurance.com/carriers/) - Travelers - GEICO - Nationwide - Chubb - National General - The Hanover - Hagerty - AmTrust Insurance - CNA - Jewelers Mutual - Foremost Insurance - Hiscox Carrier and market access varies by product, location and eligibility. Daniel helps you understand your available options. Protection, made personal ## What would you like to protect? From your first apartment to your growing business, we’ll help you make sense of your options. [Auto insurance For your everyday drive and everything along the way. Explore coverage](https://covertrustinsurance.com/insurance/auto/) [Homeowners insurance Protect the place you make your own. Explore coverage](https://covertrustinsurance.com/insurance/home/) [Renters & apartment insurance Your belongings deserve their own protection. Explore coverage](https://covertrustinsurance.com/insurance/renters/) [Condo & co-op insurance Coverage for the space you own, inside and out. Explore coverage](https://covertrustinsurance.com/insurance/condo/) [Landlord & rental property insurance For the property you rent and the income it supports. Explore coverage](https://covertrustinsurance.com/insurance/landlord/) [Flood insurance A separate conversation worth having. Explore coverage](https://covertrustinsurance.com/insurance/flood/) [Business owner’s policy A practical starting point for your business. Explore coverage](https://covertrustinsurance.com/insurance/business/) [General liability insurance Protection for the risks of doing business. Explore coverage](https://covertrustinsurance.com/insurance/general-liability/) [Commercial auto insurance Keep your business moving with the right coverage. Explore coverage](https://covertrustinsurance.com/insurance/commercial-auto/) [Fleet insurance One clear view of the vehicles that power your business. Explore coverage](https://covertrustinsurance.com/insurance/fleet/) [Workers’ compensation Support for your team, built around your work. Explore coverage](https://covertrustinsurance.com/insurance/workers-compensation/) [Contractors & artisans insurance Built for the work you do, on every job. Explore coverage](https://covertrustinsurance.com/insurance/contractors/) [See all coverage options](https://covertrustinsurance.com/insurance/) The CoverTrust difference ## We do the shopping. You get the clarity. Insurance should feel like a conversation, not a maze. Daniel works with you to understand what you need, compare available options and explain what comes next. **5 years** at State Farm before branching out**2,000+** clients Daniel has worked with [Meet your broker](https://covertrustinsurance.com/about/) 01 ### Quick quotes. Clear next steps. We focus on getting the right information up front and moving complete applications to carriers promptly. 02 ### Know what you’re paying for. Understand your premium, limits and deductibles. No additional broker fees. No guessing what the quote includes. 03 ### A person in your corner. Talk directly with Daniel, from your first question to your next coverage review. A straightforward start ## From “I need insurance” to “I understand my options.” [Your quote checklist](https://covertrustinsurance.com/answers/what-to-have-ready-for-a-quote/) 01 / TELL US ### Start with what matters. Call Daniel or send a short request. Share what you want to protect and where you’re located. 02 / COMPARE ### See your options clearly. We shop available markets and walk you through coverage, pricing and the carrier’s requirements. 03 / GET COVERED ### Take the next step with confidence. Choose your coverage. We help move the application forward and confirm when protection can begin. Quote and approval timing depends on the carrier, information provided and underwriting. Coverage begins only when confirmed. Local needs. A wider reach. ## Four states. One trusted conversation. From Long Island to the Jersey Shore, Connecticut to Pennsylvania. Explore insurance help for your community. [Find your area](https://covertrustinsurance.com/areas/) [NY New York New York City · Buffalo · Rochester & beyond](https://covertrustinsurance.com/areas/new-york/) [NJ New Jersey Newark · Jersey City · Paterson & beyond](https://covertrustinsurance.com/areas/new-jersey/) [CT Connecticut Bridgeport · New Haven · Stamford & beyond](https://covertrustinsurance.com/areas/connecticut/) [PA Pennsylvania Philadelphia · Pittsburgh · Allentown & beyond](https://covertrustinsurance.com/areas/pennsylvania/) A useful way to get started ## A clearer quote starts with better questions. Build a checklist for your coverage, state and next step. No contact details needed. [Build my quote checklist](https://covertrustinsurance.com/quote-planner/) Built around what you do ## Different work. Different insurance questions. [Find your business](https://covertrustinsurance.com/business-insurance/) [FOR THE WORK BEHIND EVERY CONNECTION Insurance for electricians Prepare an electrician insurance quote around your job scope, completed work, test equipment, service vehicles, employees and contract requirements. Explore your coverage](https://covertrustinsurance.com/business-insurance/electricians/) [FOR THE TEAM CLIENTS TRUST WITH THEIR SPACE Insurance for cleaning businesses Compare cleaning business insurance around the properties you enter, services you perform, customer belongings, employees, equipment and work travel. Explore your coverage](https://covertrustinsurance.com/business-insurance/cleaning-businesses/) [FOR THE PROPERTY YOU RENT AND MAINTAIN Insurance for landlords Review rental property coverage using occupancy, building details, rental income, vacancies, renovations and the difference between landlord and tenant protection. Explore your coverage](https://covertrustinsurance.com/business-insurance/landlords/) [FOR THE BUSINESS BUILT ON YOUR EXPERTISE Insurance for consultants Prepare consultant insurance around professional services, client contracts, prior coverage, data access, office property and business travel. Explore your coverage](https://covertrustinsurance.com/business-insurance/consultants/) The CoverTrust journal ## A little reading. A clearer decision. [All insights](https://covertrustinsurance.com/blog/) [Auto How to switch car insurance Switch car insurance with a clear checklist for effective dates, payments, cancellation, lender details and proof of coverage. Avoid an unintended gap. 4 min read Read the article](https://covertrustinsurance.com/blog/switch-car-insurance/) [Home & renters Home insurance before closing Prepare homeowners insurance for a home closing: property details, lender requirements, proof of coverage, payment arrangements and the correct effective date. 4 min read Read the article](https://covertrustinsurance.com/blog/homeowners-insurance-closing/) [Business What affects commercial auto cost? Understand commercial auto insurance cost drivers and prepare vehicle, driver and coverage details for a useful business quote without relying on an advertised average. 4 min read Read the article](https://covertrustinsurance.com/blog/commercial-auto-insurance-cost/) Straight answers ## A little clarity goes a long way. Have another question? [Daniel is a phone call away.](tel:+16318773592) ### How do I get a quote from CoverTrust? Choose the type of coverage you need and send a short quote request, or speak with Daniel Kazberuk. He can confirm the details needed to compare available options and explain the next steps. ### Do you charge additional broker fees? CoverTrust does not add an additional broker fee. Insurance premiums, carrier charges and any applicable taxes or required policy fees are separate and will be explained with your quote. ### How quickly can I get covered? We focus on prompt quote handling and moving complete applications to the carrier quickly. Quote and approval timing depends on the insurer, coverage, information provided and any underwriting review. Coverage is effective only when confirmed by the insurer or an authorized representative. ### Which areas do you serve? We welcome quote inquiries from New York, New Jersey, Connecticut and Pennsylvania. Carrier and product availability depends on the location, risk and applicable licensing. ### Can you compare my current insurance? Yes. Your current declarations page is a helpful starting point. Daniel can discuss limits, deductibles and exclusions with you so you can compare more than the premium alone. A clearer way to get covered ## Let’s find your right coverage. A real conversation. Clear options. No additional broker fees. [Start my quote](https://covertrustinsurance.com/quote/) [631-877-3592](tel:+16318773592) --- CoverTrust Insurance Agency LLC — a FreedInsure P&C division. Daniel Kazberuk, insurance broker. NPN 20298170. Contact: [631-877-3592](tel:+16318773592) · [DanielKazberuk@covertrustinsurance.com](mailto:DanielKazberuk@covertrustinsurance.com) Insurance availability, pricing and approval depend on the insurer, eligibility and underwriting. A quote request does not bind coverage. Policy terms control.