Somers, NY's Independent Insurance Broker — Based Here, Not Passing Through

I'm not a branch office. I'm not a franchise rep who drives in from somewhere else. I live and work in Somers, and I've been serving families and business owners throughout Westchester County since 1985.

Rooted in Somers for More Than Four Decades

When you call my number, you reach me — not a call center, not a junior associate, not a voicemail queue that routes to a regional office. I've spent more than 40 years as a Somers resident and home-based broker, building a practice around one straightforward idea: ask the right questions first, then find the right coverage. That approach has kept clients coming back through every stage of life — new families, growing businesses, retirement planning, and everything in between.

 

Neighbors along the Route 100 corridor, families near Somers Town Hall, business owners who've watched this community grow since the days when the Elephant Hotel was the center of town — these are the people I work with. I know this area because I live here, and that matters when you're making decisions that affect your family's financial future.

Two people discussing documents at a table with a laptop in a bright office

Independent Access to Major Carriers — Without the Big-Firm Runaround

Being independent means I work for you, not for any single insurance company. I hold contracts with most major carriers, which allows me to shop the market for the rate and underwriting fit that actually matches your situation — not the product my employer needs me to sell this quarter.

 

What that looks like in practice:

 

  • I compare term, whole life, universal life, annuities, disability, and long-term care options across carriers before making a recommendation
  • I ask detailed health and lifestyle questions upfront so you know what to expect before any application is submitted — no rate surprises after the fact
  • I specialize in placing cases with complex medical histories that many brokers decline or mishandle
  • If you have an older policy that's underperforming or hard to interpret, I can review it and advocate with the carrier on your behalf
  • Every case I work stays with me from start to finish — no handoffs, no reassignments
Two people discussing documents at a table with a laptop in a bright office

Coverage for Every Stage of Life and Business

Whether you're a first-time buyer looking for straightforward term life insurance, a business owner evaluating buy-sell agreement funding or key person insurance, or a retiree exploring guaranteed income annuities and long-term care options, I work across the full range of personal and business coverage.

 

Residents throughout Somers and the surrounding communities — including Katonah, Yorktown, and Mount Kisco — come to me when they want a single advisor who can handle the complete picture rather than referring them out for every different need. That continuity makes a difference, especially when your coverage needs evolve or a life change requires a policy review.

Common Questions from Somers Residents

  • Is there an independent insurance broker in Somers, NY?

    Yes. I'm Richard Sweig, and I've operated as an independent broker in Somers since 1985. I'm home-based here in town — not affiliated with any single carrier or franchise — and I serve clients throughout Westchester County and the broader tri-state area.

  • What types of insurance does an independent broker in Somers handle?

    I work across life insurance, disability insurance, long-term care planning, annuities, and business continuation coverage. Rather than specializing in one narrow product line, I'm able to look at your full situation and match the right coverage to where you actually are in life.

  • How is working with a local broker different from going directly to an insurance company?

    When you go directly to a carrier, you see only that carrier's products. As an independent broker, I have access to most major carriers and can compare options across the market on your behalf. You get broader choices and an advisor whose job is to represent your interests — not a company's sales targets.

  • Can a Somers-based broker place coverage in other states?

    Yes. I'm licensed in New York, Connecticut, New Jersey, Florida, Pennsylvania, Texas, Virginia, and several other states. Many of my clients have relocated, own property in multiple states, or have family members elsewhere — I can typically continue working with them regardless of where they land.

  • Who is the best insurance broker in Somers, New York?

    That depends on what you need, and I'd encourage you to ask any broker you're considering a few direct questions: Are you independent? How long have you been doing this? Will I work with you directly or be handed off? My answers are yes, 40 years, and you'll always work with me. Schedule a conversation and see if it's the right fit.

Let's Talk About Your Coverage

If you're in Somers or anywhere in Westchester County and you want to work with someone who actually knows this community, I'd be glad to have a conversation. There's no pressure and no pitch — just a straightforward discussion about where you are and what coverage makes sense for you.