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Vera helps you protect what matters most.

Vera is an independent insurance brokerage in New York City. We work for you, not for a carrier. Your policy gets shopped across the market, and the fine print gets explained before you sign.

Get a Quoteor call (917) 246-7038

  • Independent, on your side

    Sixty-plus carriers, one licensed broker shopping them for you.

  • A real person answers

    Call or text and you reach a licensed broker who knows your file. Not a phone tree, not a call center.

  • New York is our specialty

    Restaurants, contractors, and landlords across the five boroughs, with the home and auto to match. Licensed in all 50 states.

Representing 60+ carriers, including

How our process works.

  1. Share a few details about your home, cars, or business, and a licensed broker reviews them to scope the right coverage.

    1Apply

  2. We shop your details across 60+ carriers and line the strongest quotes up side by side.

    2Compare

  3. Your broker helps you review policy options and select coverage that best fits your needs.

    3Bind

Coverage for work, home, and beyond

Business and personal lines, plus the claims support behind them, all handled by a licensed broker.

Two roofers kneeling on a shingle roof, one nailing a fresh row of shingles under a clear sky

Business Insurance

General liability, property, workers comp, and the trucks. Shopped across the market, not settled for.

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White two-story colonial with black shutters, a columned portico, and an attached two-car garage at dusk

Home Insurance

A rebuild limit that matches the house, flood where the map says so, and an umbrella on top of it all.

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Couple loading a bag into a white Range Rover beside a black Mercedes-AMG in an open two-car garage

Auto Insurance

Personal cars and the work trucks, quoted bundled and apart. Limits sized to what you own, not the state minimum.

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Our Work Speaks For Us

Three INS Contractors crew members in safety vests on a construction site under a tower crane

INS Contractors (opens in a new tab)

Contracting company specializing in luxury NYC construction

Rated us 5 stars on Google

Five Dental's reception desk in front of a slatted wood wall with the practice's tooth logo

Five Dental (opens in a new tab)

Luxury dental practice in Brooklyn, NY

Rated us 5 stars on Google

Panino Rustico (opens in a new tab)

Family-run panini and espresso bar in Mill Basin, Brooklyn

Rated us 5 stars on Google

Panino Rustico's yellow vintage Fiat parked in front of the cafe's awning in Mill Basin
Three-story stucco house with a tile roof, iron balcony, and paver driveway

Private Residence

Three-story family home in Brooklyn, NY

Rated us 5 stars on Google

Sugarboo Studio (opens in a new tab)

Hair, nails, and beauty studio in Sheepshead Bay, Brooklyn

Rated us 5 stars on Google

Sugarboo hair salon interior with a white ribbon light sculpture across the ceiling

Fastik (opens in a new tab)

Frozen dumpling and pierogi manufacturer in Linden, NJ

Rated us 5 stars on Google

Aerial view of the Fastik dumpling factory with the brand mascot and three product bags

All Wright Electric (opens in a new tab)

Electrical and Generac generator contractor in the Hamptons, NY

Rated us 5 stars on Google

All Wright Electric technicians working beside their lettered van at a house
Two-story brick house with a curved balcony and double staircase on a Brooklyn street

Private Residence

Two-story brick home in Brooklyn, NY

Rated us 5 stars on Google

Wow Bistro

Full-service restaurant with a private-event dining room

Rated us 5 stars on Google

Wow Bistro's dining room set for a party with folded napkins along a long table
GNGR Labs immunity shot bottle surrounded by flying ginger, lemon, orange, and chili

GNGR Labs (opens in a new tab)

Organic cold-pressed ginger shots from Brooklyn, NY

Rated us 5 stars on Google

Already insured?

Worth a second look.

Send us your current declarations page and we'll review it line by line: price, limits, exclusions, deductible. If what you have is right, we'll say so. The review is free.

Get a second opinion
FAQ

Everything you
need to know

Have more questions? Contact us

Carriers price by appetite. The ones that want your business bid to win it. The ones that don't will often quote you noticeably higher to talk you out of it. Direct gets you one carrier's appetite; we find the carriers that are hunting for your business.

No. Vera is an independent insurance brokerage. Insurance companies build and price policies. We represent you in that market. We compare coverage across the carriers we work with, tell you plainly what each option does and doesn't do, and handle the paperwork once you choose.

By commission from the insurance carrier, built into the premium you'd pay anywhere. When your policy is issued, the carrier pays us a percentage of the premium for placing and servicing it. You don't pay us a separate fee, and a quote from us costs nothing. If that ever changes for a specific policy, we'll tell you in writing before you commit.

For straightforward risks (a car, a home, a small business with a clean history), often the same day you talk to us. More complex risks take longer because underwriters ask more questions. Either way, nothing is in force until a licensed broker confirms your coverage in writing, so you always know exactly where you stand. Tell us what you're insuring and we'll give you a real timeline, not a slogan.

Because carriers don't price risk the same way. Each one has an appetite (the kinds of customers it wants) and prices aggressively for those and defensively for everyone else. That spread is the entire reason independent brokerages exist: we find the carrier whose appetite matches you. Send us a quote you already have and we'll show you where it sits in that spread.

Usually, yes. Most policies can be cancelled mid-term with a pro-rated refund of unused premium, and we time the new policy so there's no gap. Before you switch, we check for cancellation penalties and for anything your current policy covers that the new one wouldn't, and if staying put is the right answer, that's what we'll tell you. Send us the current policy and the renewal date and we'll map the timing before you decide.

Insights

Coverage, explained in plain English.

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Get your quote today.

Tell us what you need. We shop it across 60+ carriers. You pick, and nothing is in force until it's confirmed in writing.

Get a Quoteor call (917) 246-7038

About three minutes. No obligation.

Wooden water tower on a Brooklyn rooftop at golden hour, brick rowhouse roofs below and the Manhattan skyline on the horizon
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