M. Koles & Associates LLC is an independent insurance agency providing financial protection and risk management solutions to businesses and families. As independent agents we work on your behalf to bring you the best coverage at the most competitive price we can obtain. Our licensed staff coordinates with you to establish a comprehensive plan suited to your specific needs. Throughout the relationship we offer professional advice acting solely on your behalf.
The principal of the agency, Martin Koles has served as president of the Professional Insurance Agents Association of New York and as a director of the Council of Insurance Brokers of New York. In addition he has authored several articles and consults in the insurance field. He is an engineering graduate from Carnegie-Mellon University. His early career was engaged in design and construction during which time he earned the prestigious Professional Engineer designation and an MBA in business management. He later managed businesses engaged in importing and wholesaling of industrial hardware before entering insurance profession.
“A good insurance agent brings a professional business perspective to the client relationship and earns the right to be a valued advisor.” We are committed to listening carefully to you to obtain a clear understanding of your goals as they relate to your most important objectives – protecting your business, your assets, and your family.
Our clients come from all industries and backgrounds. This gives us a broad perspective to craft tested insurance solutions to help you. Over the years we have developed specific expertise in certain areas of specialty.
Insurance protection for the Diplomatic Community including:
- Consulates & UN Missions
- Diplomatic Autos
- Health and Employee Benefit Plans
- Diplomat Housing
Comprehensive Protection for “Black Car” Transportation Dispatch Companies including:
- Hired Auto and Non-Owned Auto Coverage
Residential Real Estate
- Consultation and Coverage for the Affordable Housing Industry
- Co-Op and Condo Building Owners
- Apartment Buildings
- Mixed Use Buildings
- General Contractors
- Artisan Contractors
- Owners Acting as Contractors
An Independent Advantage
We are Independent Agents, free to choose the best carrier for your insurance needs. We work on your behalf. In the event you have a loss we follow through to see that you get fair, prompt settlement and service. M. Koles & Associates LLC represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the most appropriate coverage at the most competitive price.
What is an Independent Insurance Agent?
It’s about choice. When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents work with multiple insurance companies. One of the advantages of using an independent agent is that we works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies to select from to get you the best coverage at the best price. And if a claim occurs, your independent agent is there to help.
When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.