Independent Insurance Agent Serving You Across Personal, Business & Real Estate Needs
Refine Risk is a boutique independent insurance agency headquartered in Tuckahoe, New York, serving clients throughout Westchester County, New York City and the Tri‑State area. Our independence means we work for you, not a single insurance company, and bring you:
- Access to multiple top‑tier insurance companies so you get meaningful choices
- Coverage recommendations tailored to your assets, business operations, and property portfolio
- Advocacy during claims, and proactive engagement throughout renewals
- A unified insurance approach across your personal life, business ventures and real estate holdings
Our Local and Regional Expertise
We live and work in the region we serve, Westchester County, NYC and the Tri-State area, so we understand local exposures such as urban liability, rental property demands and multi‑state business operations. That insight allows us to design protection plans that reflect your actual life, work and investments.
Our Process
- Discovery – We explore your personal situation, business operations and real estate holdings.
- Design – We create a tailored insurance program that aligns with your goals and risk profile.
- Implementation – We compare carrier options, finalize coverage and handle onboarding details.
- Support – We stay engaged through renewals, policy changes and any claim situations.
Who We Work With
Personal & Household Insurance
We help individuals and families with comprehensive protection including auto, homeowners or condo, renters, umbrella, identity/cyber and life insurance. Whether you’re renting your first apartment, living in the suburbs, or managing multiple residences, your insurance should reflect your lifestyle and move with you.
Business Insurance
We serve business owners across sectors like contractors, restaurants, medical practices, professional service firms, and cover general liability, commercial auto, workers’ compensation, cyber, property and interruption. Your business deserves protection that supports growth, meets employer and regulatory obligations, and accounts for your unique exposures.
Real Estate & Investment Property Insurance
For landlords, investors, associations and property managers, we offer tailored programs for single‑family rentals, multi‑unit buildings, retail & mixed‑use and large portfolios. We help you protect your buildings, rental income, liability and meet lender or lease requirements so you can focus on your asset growth.
Our Clients Are
- Families and individuals building and protecting their assets
- Entrepreneurs and business owners scaling their enterprises
- Real‑estate investors managing rental homes, apartment buildings or mixed‑use portfolios
- Clients whose lives cross personal, business and property lines and need insurance that reflects all three
Our Promise to You
Insurance is more than a checkbox or bank requirement, it is a tool for stability, growth and long‑term peace of mind.
At Refine Risk we:
- Listen deeply to your objectives
- Deliver clear, direct recommendations
- Provide service rooted in expertise and continuity
Get Started Today
Your insurance should adapt as your circumstances evolve. Contact us for a consultation.
Call or text (914) 704‑4200 | help@refinerisk.com