Licensed NY P&C Insurance · Lic #1865210

Your insurance agent has never run a business. Ours have.

We will audit your commercial policy and show you exactly what you are overpaying. We have saved NY contractors and business owners $2K to $100K+ per year by shopping the market, correcting misclassifications, and accessing carrier programs your current agent is not using.

Get My Free Policy Audit → or call (315) 885-5859

Licensed NY State P&C  ·  Phoenix, NY  ·  We pick up the phone

Recent Client Savings
Dumpster roll-off — full rebuild$100K+
Painting company — market shop$60K
Property investor — 30 properties$12K
Local church — coverage restructure$5K
Landscaping company — market shop$2K
Annual savings per client. Results vary. Licensed NY P&C Lic #1865210.
100+
NY Clients Served
24hr
Policy Review Turnaround
10–25%
Avg. Annual Savings
$100K+
Most Saved by One Client

Other agents sell you a policy.
We protect what we would protect ourselves.

As Business Owners

We have signed the same contracts you sign.

Hired crews. Managed payroll. Had a GC demand a certificate at 7am. We know exactly what it costs when coverage is wrong — because we have been there.

As Property Owners

Our founders own millions in commercial property.

Alongside billion-dollar revenue companies. We know what lenders require, what tenants demand, and what a coverage gap looks like from the owner side of the table.

As Licensed Producers

We fight for your rate like it is our own.

Full NY market access. Every carrier. Every program. We do not renew and disappear — we shop it every year and show you the comparison.

The Free Policy Audit

One thing. It is free.
Here is exactly what happens.

What we check

Your policy reviewed against the actual market — in 24 hours

  • ✓Your premium side by side with what NY market rates say you should be paying
  • ✓Workers comp classification — one wrong code costs thousands a year and most agents never check
  • ✓Coverage gaps — what your policy excludes that your contracts and GCs actually require
  • ✓Limits and carrier review — whether your umbrella actually protects you and whether your insurer is one the industry trusts
  • ✓A straight answer — if your agent did their job and your coverage is priced right, we tell you that
How it works

Four steps. Less than 30 minutes of your time.

  • 1Name, phone, email. Sixty seconds on the next page.
  • 2Send us the declarations page from your current policy. One document.
  • 3A licensed producer reviews it and sends the full report inside 24 hours.
  • 4We call you and walk through it line by line, so you know what every number means.

No matter what — here is what you walk away with.

Whether you become a client or not, you leave with a clear picture of what your insurance should cost, a list of the gaps in your current policy, and the direct number of a licensed producer who picks up the phone. There is no catch. The bar in this industry is embarrassingly low. We just decided to clear it.

Get My Free Policy Audit →

Client Results

Real savings. Real clients.
Real numbers.

$100K+
Dumpster roll-off business — full program rebuild. Wrong classifications, bloated limits, one carrier for years with no shopping.
Annual Savings
$60K
Painting company — market shop revealed two carriers competing for the account. Previous agent had not shopped it in four years.
Annual Savings
$12K
Property investor — 30 properties restructured under a master policy. Previous setup had four agents and overlapping gaps.
Annual Savings
$5K
Local church — coverage restructure. Simplified program, right limits, right carrier.
Annual Savings
$2K
Landscaping company — market shop found a better-fit carrier with cleaner classification.
Annual Savings
Your turn.
Send us your policy. We will tell you what it should cost. 24 hours. No pitch.
Get My Free Policy Audit →

Common Questions

We have heard every reason
not to reach out.

I already have an agent I trust.

Good. Send us what they quoted. We will tell you if it is fair. If it is, you keep your agent and now you know. If it is not, you have a decision to make with real numbers in front of you. Either way you win.

What is the catch?

There is not one. You get the audit and the written summary whether you move your policy or not. We do it because most of the accounts we win, we win by showing an owner a number their current agent never showed them. That is the whole pitch.

We just renewed. There is nothing you can do.

A renewal is a starting line, not a wall. We have reclassified payroll mid-term and recovered thousands. And knowing your real number now means you are not negotiating from behind next time.

The Team

Operators who pick up the phone.

Our producers have personally helped business owners save thousands on their insurance — while also building a commercial property portfolio alongside billion-dollar revenue companies. Licensed NY P&C producers who live in the same world you are trying to build in.

Josh Williams
Josh Williams
CEO & Co-Founder

Licensed NY P&C producer. Built MTA from the ground up with one mandate — treat clients like the operators they are.

Jonathan Norton
Jonathan Norton
President & Co-Founder

Licensed producer & commercial RE investor. Has acquired millions alongside billion-dollar revenue companies.

Luciano Moreno
Luciano Moreno
Client Service

Your day-to-day contact for certificates, changes, and renewals. Responsive. Gets it done.

Christopher Knupp
Christopher Knupp
Licensed Advisor

Licensed NY P&C producer specializing in commercial lines and contractor programs.

Zander Huebner
Zander Huebner
Licensed Advisor

Licensed NY P&C producer focused on contractor coverage and commercial property.

Jonathan North
Jonathan North
Licensed Advisor

Licensed NY P&C producer. Came in already licensed and ready. Commercial lines specialist for contractors and small businesses.

One free policy audit.
One 60-second form.

We tell you exactly what you are overpaying, where your coverage has gaps, and what it should cost. In 24 hours.

No pitch. No strings. No course to buy. Given away because the bar in this industry is too low and we decided to raise it.

Get My Free Policy Audit → or call (315) 885-5859

Disclosures & Legal Notices

Licensing. My Town Advisors, LLC is licensed by the New York State Department of Financial Services as a Property & Casualty insurance agency (License No. 1865210). Principal office: 985 County Route 57, Suite 1, Phoenix, NY 13135. Coverage is subject to insurer underwriting approval and policy terms. Not all products available in all areas.

Compensation Disclosure (NY DFS Reg. 194 / 11 NYCRR Part 30). You have the right to know how your producer is compensated. We may receive commissions, contingent commissions, bonuses, or other remuneration from insurers. You may request details at any time: (315) 885-5859 or joshua@mytownadvisors.com.

No Binding Quote / No Coverage Guarantee. Nothing on this website constitutes a binding contract, commitment to insure, or guarantee of rates or savings. All coverage is subject to carrier underwriting approval. Premium estimates and savings examples are illustrative and do not guarantee future results. Results may vary based on claims history, location, carrier underwriting, and other factors.

AI Tools Disclaimer. AI-generated estimates and analyses on this site are for general informational purposes only. They are not a coverage determination, binding quote, professional insurance advice, or substitute for review by a licensed producer. AI can make mistakes. Results may not reflect actual policy terms, carrier rates, exclusions, or underwriting factors. Use of these tools does not create an agency relationship or obligation to purchase coverage.

Surplus Lines. Certain specialty or high-risk coverages may be placed with non-admitted surplus lines insurers not covered by the NY Property/Casualty Insurance Security Fund. Surplus lines placement will be disclosed in writing prior to binding. Workers’ Compensation & DBL. Compliance with NY Workers’ Compensation Law and Disability Benefits Law remains the employer’s legal responsibility. No Legal or Financial Advice. Content on this site is informational only and does not constitute legal, tax, or financial advice.

Privacy & SMS. Information submitted through this site may be shared with carriers, MGAs, and affiliates as necessary to obtain quotes or bind coverage. We do not sell personal information for marketing. By providing your phone number you consent to receive SMS messages from My Town Advisors. Reply STOP to opt out. Message & data rates may apply. See our Privacy Policy for full details.

Complaints: NY DFS Consumer Assistance Unit  —  1-800-342-3736  or  www.dfs.ny.gov. Insurance products, rates, and requirements are subject to change. Always review a formal proposal and policy documents before making coverage decisions.

Not insurance — a separate thing Jonathan teaches

Want to know how Jonathan bought $8.9M in commercial real estate?

He finds the tenant first, signs the lease, then buys the building — so the bank lends against contracted income instead of his tax returns. Four deals, real numbers, and most of it is free to read.

See the Tenant-First Method →
My Town Advisors

Get Your Free Policy Analysis

A licensed producer will review your coverage and reach out within one business day.