Who We Are

At Refine Risk, we create personalized coverage plans that reflect your goals, lifestyle, and growth.

Our clients value thoughtful strategy, proactive communication, and a clear sense of partnership.

From custom landlord insurance for multi-property owners, to tailored restaurant insurance packages for local entrepreneurs, to legacy planning for multi-generational families...

We work quietly and consistently in the background to keep your goals and insurance programs aligned.

Our Core Values

At Refine Risk, we believe insurance should be shaped around your real life, not the other way around. Our values are woven into every step of our work.

  • Purpose

    Good protection is intentional, not accidental

  • Empathy

    We take the time to understand before we recommend

  • Alignment

    Your goals shape everything we design and deliver

  • Support

    We are here when you need us, every step of the way

Letter from the Founder

A Note from Libbie

Refine Risk was built with a clear intention, to make insurance feel personal, practical, and
thoughtfully designed.
Over the years, we’ve partnered with families growing across generations, business owners
putting down roots in Westchester County, and real estate investors expanding into new
markets. Whether it’s landlord insurance for a growing portfolio, protection for a family’s vacation
home, or custom coverage for a restaurant opening its doors, we show up with clarity,
consistency, and care.
Our goal is simple; to design systems that protect your life, your work, and your future.
We’re grateful to be part of what you’re building.
Best,
Libbie Cedeno
Founder & Principal Agent
Refine Risk

Unlike a captive, or direct insurance company who only offers their own proprietary products, our agency is 100% independent of any one company. Many insurance consumers don't fully understand just how important that really is. When it comes to something as important as insurance, it's imperative that you work with an agency who has an in-depth knowledge of multiple insurance products, companies, and guidelines — not just one.

At the end of the day, what separates one agent from another, is their ability to proactively service their policy holders, and their knowledge of the insurance industry, products, and different situations that may present themselves to their clients.