Business Details
39 Years
experience
Your Trusted Insurance Partner in Oyster Bay, NY
Founded in 1987, Insurance Plus has dedicated over three decades to empowering small business owners, professionals, and self-employed individuals with comprehensive insurance solutions. Our president, Rose Gagliardi, built the company on two foundational principles: Education and Exceptional Customer Service. With a career spanning 35+ years in the insurance industry, Rose pioneered a client-centric approach that prioritizes personalized guidance and ongoing education through free seminars and consultations. Our team maintains active memberships in leading industry organizations, including NAHU, NAIFA, and PIA, ensuring we remain at the forefront of regulatory changes and emerging trends. We specialize in navigating complex insurance landscapes, offering tailored solutions for business owners, life planning, long-term care, and personal health needs.Our commitment to word-of-mouth growth through client satisfaction has sustained our expansion without reliance on traditional advertising. Located in Oyster Bay, NY, we serve a community of thousands while maintaining the personal touch of a family-owned business. Our mission remains unchanged: to help clients achieve financial security through informed decision-making and unwavering support. By combining deep industry expertise with compassionate service, we continue transforming insurance challenges into lasting relationships that endure across generations.
Services
Business Insurance
Health Insurance
Life Insurance
Long-Term Care Insurance
Disability Insurance
Dental Insurance
Commercial Property Insurance
Professional Liability Insurance
Auto/Fleet Insurance
Umbrella Insurance
Details
- Year established: 1987
Highlights and features
- 35+ years of specialized experience in business and personal insurance
- Free educational seminars with no sales obligations
- Active memberships in NAHU, NAIFA, and PIA for industry leadership
- Client-focused approach prioritizing personalized insurance strategies
- Proven track record of growth through client satisfaction alone
Services
Business Insurance
We provide comprehensive business insurance solutions protecting small enterprises against property damage, liability claims, and operational disruptions. Our Business Owners Policies combine essential coverages tailored to specific industry needs while maintaining cost-effectiveness. With expertise in commercial property, professional liability, and fleet insurance, we help businesses in Oyster Bay and beyond create resilient risk management strategies that adapt to evolving challenges.
Long-Term Care Insurance
Our specialized long-term care insurance plans address nursing home care, home health services, and adult day care needs for individuals facing chronic conditions. We help clients balance coverage adequacy with affordability through personalized consultations that consider existing assets and future care requirements. Our planning process emphasizes proactive preparation to prevent financial strain during critical life transitions while maintaining family security.
Health Insurance
We offer individual and group health insurance solutions covering medical expenses, prescription medications, and preventive care services. Our network includes major providers like CIGNA and UnitedHealthcare, ensuring broad access to quality care. We specialize in explaining complex policy details and matching clients with plans that align with their specific health needs and budgetary constraints.
Life Insurance
Our life insurance products provide financial security for beneficiaries through term and permanent coverage options. We focus on creating customized policies that address estate planning needs, debt protection, and income replacement while considering tax implications. Our approach emphasizes long-term policy sustainability and clear communication about coverage limitations and benefits.
Disability Insurance
We offer disability insurance plans that replace a portion of income during work inability caused by illness or injury. Our policies feature customizable benefit periods, elimination periods, and coverage amounts to match diverse occupational risks. We emphasize understanding policy definitions regarding total vs. partial disability and coordinating coverage with existing employer-provided benefits.
People
Rose Gagliardi
President
Rose Gagliardi founded Insurance Plus in 1987 after graduating from Pace University with a business degree. With 35+ years in insurance, she specializes in educating clients about complex coverage options while maintaining active memberships in NAHU, NAIFA, and PIA. Her leadership emphasizes personalized service and community engagement through free educational seminars.
Questions
What types of insurance do you specialize in?
We specialize in business insurance, health coverage, life insurance, long-term care planning, disability protection, and dental/vision plans for individuals and small businesses.
How do you help small business owners specifically?
We provide Business Owners Policies combining property, liability, and specialized coverage while offering guidance on risk management strategies tailored to specific industries.
Do you offer educational resources for clients?
Yes, we provide free seminars and consultations to help clients understand insurance complexities without sales obligations or pressure.
Are your services available locally?
Based in Oyster Bay, NY, we serve small businesses and professionals throughout the region with personalized insurance solutions.
