V.A.C. Insurance Agency

• Located at 9712 3rd Avenue, 1st Floor, Brooklyn, NY 11209
• Independent insurance agency representing multiple A-rated carriers
• Over 35 years of experience in personal and commercial insurance
• Founded on business integrity, professionalism, and long-term client relationships

What we offer

V.A.C. Insurance Agency provides a wide range of personal and commercial insurance solutions designed to protect clients in the event of a loss, including:

• Auto insurance
• Homeowners insurance
• Condo insurance
• Flood insurance
• Commercial insurance
• Health insurance
• Life insurance
• Umbrella insurance

As an independent agency, V.A.C. works for the insured, not for a single carrier. The team analyzes client needs and shops the market to match coverage and price with appropriate insurers.

How we work

• Diligent underwriting process to help ensure the policy selected fits the client's needs
• Emphasis on clear explanations of coverage so clients understand their protection
• Ongoing policy service and support after a policy is written
• Focus on building long-term relationships and earning referrals from satisfied clients

Service area

• Licensed to serve clients in the state of New York

• View insurance policies
• Print insurance ID cards
• Update contact information
• Download certain documents

The secure client service center is accessible via a link on the agency's "Client Center" page.

Selected carrier claims contact information

For certain carriers, claims phone numbers published by V.A.C. Insurance Agency include:

• AmTrust North America

Claims phone: 888-239-3909

• National General Insurance

Claims phone: 888-233-4575

• Progressive Insurance

Claims phone: 800-776-4737

• Travelers Insurance

Claims phone: 800-252-4633

• Union Mutual Insurance Company

Claims phone: 888-299-0354

• United Property and Casualty Insurance Co.

Claims phone: 888-256-3378

Clients should always refer to their individual policy documents and carrier instructions for the most current claims reporting procedures, phone numbers, and coverage details, as these are determined by each insurer.

• Address: 9712 3rd Avenue, 1st Floor, Brooklyn, NY 11209
• State served: New York (licensed to serve clients in New York)

Primary contact details

• Phone: 718-338-3400
• Fax: 718-338-8669
• Email: michael@vacinsurance.com

Getting a quote

Prospective clients can request quotes for:

• Auto insurance
• Home insurance
• Auto and home insurance packages
• Commercial insurance
• Condo insurance
• Flood insurance
• Health insurance
• Life insurance
• Umbrella insurance

Quote requests can be started from the website's quote forms or by contacting the office directly by phone or email.

For policy service, claims questions, or general inquiries, clients are encouraged to reach out to the agency using the contact information above.

Commercial insurance can address:

• Business property (for example, buildings, equipment, and business-owned vehicles)
• Business liability related to services, products, or operations
• Workers' compensation coverage needs, where applicable and available through appropriate markets

Agency approach to commercial coverage

• Recognizes that no standardized commercial policy fits every business
• Works with business owners to understand the type of business, operations, and exposures
• Crafts coverage in consultation with the client and carriers to address specific needs
• Provides guidance on commercial insurance rules and considerations relevant to New York businesses

Working with V.A.C. as a business client

• New York businesses can contact the Brooklyn office by phone, email, or in person
• The agency focuses conversations on coverages that are relevant to the client's operations
• Ongoing service is available, including policy reviews upon request

V.A.C. Insurance Agency positions commercial insurance as a key step in protecting both the business and the owner's financial interests.

Homeowners insurance

• Designed to help protect a client's home and belongings
• The agency explains policy benefits so clients understand how coverage may respond to losses
• Coverage is tailored to the property and the client's needs

Condo insurance

• Available for condominium unit owners
• Structured to complement the condo association's master policy
• Helps protect the unit interior and the owner's personal property, subject to policy terms and conditions

Flood insurance

• Available for eligible properties that need separate flood coverage
• Can be important where lenders require flood insurance or where clients want added protection against flood-related losses

How V.A.C. supports property insurance clients

• Reviews each property's characteristics and coverage requirements
• Accesses multiple markets as an independent agency to seek suitable options
• Provides ongoing service, including policy reviews upon request

V.A.C. Insurance Agency serves homeowners and condo owners throughout New York state from its Brooklyn office.

• Provides an extra limit of liability above certain primary policies (such as auto or home), subject to policy terms
• May require specific underlying coverage limits to qualify
• Intended to help protect clients against larger liability claims

Life and health insurance

V.A.C. Insurance Agency can assist clients with life and health insurance options through its available markets.

• Life insurance options are available to help clients provide financial protection to beneficiaries, subject to policy terms
• Health insurance options are available for eligible clients seeking coverage for medical expenses, subject to carrier offerings

Integrated planning

The agency can discuss how umbrella, life, and health insurance may work alongside existing auto, home, and commercial coverages to help build a more comprehensive risk management plan.

Specific eligibility, coverage terms, and carrier offerings vary and are determined by the insurers that underwrite each policy.

New York law requires drivers to carry auto insurance to operate a motor vehicle. V.A.C. Insurance Agency assists clients in understanding required and optional coverages and in comparing options from multiple carriers.

How V.A.C. helps auto insurance clients

• Explains key coverages (such as liability and physical damage) so clients understand their protection
• Reviews available coverage limits and deductibles
• Shops multiple A-rated carriers as an independent agency
• Aims to match coverage and price to the client's specific situation

Getting an auto insurance quote

Prospective clients can request an auto insurance quote by:

• Contacting the Brooklyn office by phone or email
• Using the quote request options on the agency website to start an auto insurance quote

Auto insurance is one of the core personal insurance offerings at V.A.C. Insurance Agency, and the agency's team is available to answer coverage questions and review existing policies.

Ask anyway — the agent will say plainly that it is not published rather than guess.