A Leader in All Forms of Insurance Services for NY

  • Commercial
  • Personal

(631) 271-2727




Retail & Restaurants





Explore Our Commercial Insurance Options

We custom tailor a policy to fit your business’s needs while managing your risk.

80 Years of Experience and Excellent Service.

We have expertise in nearly all forms of commercial exposure from construction to wholesale, retail to restaurants, and sports to schools.

We Work for You

Our staff markets your account to many insurance companies each year to give you the most competitive policy option with the most affordable insurance premium possible.

Available When You Need Us

An insurance advisor from our management team is available to you at all audits and most safety inspections.

Highly Flexible

We offer programs for all types of property and casualty from HPR to frame, refine general liability exposures from products to subcontractors, offer aggressive pricing for fleets, and offer benefits options as well.

You Can Rely on AL Carr Agency

 Personal Insurance

We are full service, relationship based, budget friendly, and values driven with competitive policy options.

Auto Insurance

The best way to save on car insurance is to get a quote from different companies and compare the quotes. We can do that for you!

Homeowners Insurance

If you are looking for home insurance, we’ve been helping clients for 80 years and know the local market well! Get a free quote for your homeowners policy today!

Life Insurance

There are many different types of life insurance policies available to consumers. We help you understand the best options for you and your situation.

Flood Insurance

Let us help you protect your dwelling from disastrous flooding events

RV, Motorcyle & Watercraft Insurance

We can help you insure all your toys including recreational vehicles, motorcycles, ATVs, and watercraft. 

More Personal Coverage Options

From rental properties to comprehensive umbrella liability protection, we have the personal insurance products you need to protect all of your assets

Commercial Insurance

Attentive, “there when you need us”, and focused on company policies with risk management and cost savings.

Builders Risk Insurance

If you are looking for a builder risk insurance policy, then you have come to the right place. We can help you find the best builders risk insurance in New York at affordable rates.

Professional Liability Insurance

The best way to ensure that you are getting the best rates and coverage for your business is by working with an experienced professional liability insurance agent like AL Carr Insurance.

Cyber Insurance

Cyber insurance policies are designed to protect against loss from malicious or accidental acts, such as hacking, phishing, malware, ransomware, denial of service attacks, and other similar incidents. The cost of these types of events can be significant, so it’s important for businesses to get adequate protection.

Property Insurance

Business owners often overlook the importance of property insurance. While it may seem like a luxury, having proper coverage can save you money in the long run and protect your business from financial loss.

If you own or operate a business in New York State, you are required to have commercial general liability (CGL) insurance.

Business Automotive Insurance

Important coverage for repairing or replacing your business vehicles should they ever get into an accident. Necessary even if employees use their personal vehicles if they are driving while doing work. 

More Commercial Liability Options

We represent clients from large companies to small businesses with premiums ranging from $5M to $1K. We develop the right price and product for each market and each risk profile. Reach out today to learn ore abut how we can help you with all your commercial insurance requirements.

Local Excellence, Global Scope

As your insurance specialist, we have access relationships with unlimited insurance companies both domestic and foreign from New York to London to cover your needs.

Insurance Leader

We are a leading local full service independent insurance agency. We specialize in offering comprehensive coverage at the most affordable insurance premium possible.

Save Time, Money, Headaches

Please allow us the privilege to analyze your current insurance program and show you what expertise, coupled with clout, can accomplish on your behalf.

Excellent, Efficient Claim Services

We help to ensure that your insurance claims are processed quickly and accurately. Our customer service team is there for you each step of the way to offer you excellent service!

Independent Insurance Agency

We are dedicated to helping our clients find the right insurance coverage at an affordable price. We provide personalized service that will help you make informed decisions about your insurance needs. Our agents have years of experience working with all types of client risk profiles.

Why an Independent Agent?

There is a difference in where you buy your protection. Many people don’t realize there are three sources for insurance:

  1. Captive Agents, who can sell you the insurance of only one company.
  2. Telephone Representatives, who can offer you the insurance of one company, and only on the telephone.
  3. Independent Insurance Agents, who represent a number of insurance companies, and research with these firms to find you the best combination of price, coverage and service.

Your Independent Agent:

  • Is a licensed professional with strong customer and community ties.
  • Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
  • Unlike other agents, is not beholden to any one company; thus, you don’t need to change agencies as your insurance and service needs change.
  • Assists you when you have a claim.
  • Is your consultant working with you as you determine your needs.
  • Offers you a choice of insurance plans and programs.
  • Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
  • Offers one-stop shopping for a full range of products- business, home, renters, auto, life and health.
  • Can periodically review your coverage to keep up with your changing insurance needs.
  • Treats you like a person, not just another number.