The disability insurance industry in New York is a bustling sector, offering financial protection to consumers facing disabling illnesses or accidents that impede their ability to earn income. These companies deliver diverse plans offering varied benefits, aiding consumers in managing their expenses during such difficult times. With the increasing uncertainty in people's lives, the demand for these services is expected to grow, making the industry a key player in the city's economic and social landscape. It consists of institutions like Guardian Life and The IHC Group, which provide a broad spectrum of coverages to individuals and groups.


Top 24 disability insurance companies in New York

1. Guardian Life

  • Website: guardianlife.com
  • Headquarters: New York, New York, United States
  • Founded: 1860
  • Headcount: 5001-10000
  • Latest funding type: Non Equity Assistance
  • LinkedIn

Guardian is a company that offers a range of insurance and financial protection services. They provide life insurance, disability insurance, dental insurance, vision insurance, accident insurance, critical illness insurance, hospital indemnity insurance, and annuities. They also offer benefits administration, workforce solutions, and group benefits for families, individuals, and employees. Their focus is on helping individuals and families protect themselves financially and plan for the future.


2. The IHC Group

  • Website: ihcgroup.com
  • Headquarters: New York, New York, United States
  • Founded: 1980
  • Headcount: 201-500
  • Latest funding type: Ipo
  • LinkedIn

The IHC Group is an insurance company that offers a wide range of life and health insurance products through multiple distribution channels. Their specialties include small group and individual consumer driven health plans, medical stop-loss, short-term medical, dental, vision, and specialized life and disability products.


3. Colonial Voluntary Benefits

The Paul Revere Life Insurance Company offers voluntary benefits and financial protection services to individuals and policyholders. They aim to help America's workers preserve and protect their hard-earned assets.


4. DG&M Agency

  • Website: dgmagency.com
  • Headquarters: Rochester, New York, United States
  • Founded: 1996
  • Headcount: 11-50
  • Latest funding type: Acquired
  • LinkedIn

DG&M Agency, Inc. is an independent insurance agency established in 1996. We provide superior service to individuals and businesses in over a dozen states, offering a wide range of insurance products and services including auto, home, life, commercial, employee benefits, and disability coverage.


5. Aebly & Associates, Inc

Aebly & Associates is a full-service insurance broker, formerly known as The Walsh Group. We offer comprehensive insurance and retirement plan quotes to individuals and businesses. Our services include auto and homeowners insurance, health insurance, retirement plans, business insurance, and more.


6. ShelterPoint Life

ShelterPoint is a company that provides statutory benefit programs such as Short-Term Disability and Paid Family Leave. They offer insurance coverage and assistance to individuals and employers, ensuring financial protection during times of disability or caregiving responsibilities. With a focus on customer support and convenience, ShelterPoint aims to simplify the claims process and provide valuable resources for policyholders.


7. New York State Insurance Fund (NYSIF)

  • Website: nysif.com
  • Headquarters: New York, New York, United States
  • Founded: 1914
  • Headcount: 1001-5000
  • LinkedIn

NYSIF is a large insurer providing workers' compensation insurance and other benefits to employers in New York. They analyze and report on data related to Long Covid and its impact on employers and the workforce.


8. Northern Insuring Agency, Inc.

Northern Insuring Agency, Inc. is an insurance agency serving the Northern New York Region for over 90 years. They provide quality insurance products and exceptional customer service.


9. RPO Group, Inc

The RPO Group provides a range of employee benefits and insurance solutions to businesses, including medical, dental, disability, life insurance, telemedicine, self insurance, and pharmacy benefit management.


10. NICL Insurance Services, LLC

NICL Services is an insurance agency that focuses on developing innovative, customized solutions to address the needs of its clients. They offer a range of insurance plans, including life insurance, disability insurance, long-term care, and more.


11. Conference Associates, Inc.

Conference Associates, Inc. (CAI) offers affordable options for dental insurance and coverage benefits in accordance with NY Statutory Disability Benefits Law. They provide comprehensive and reimbursement-only plans that cater to individual needs and budgets. CAI also offers vision insurance and various other insurance solutions to individuals, policyholders, employers, and plan administrators.


12. Finger Lakes Partners Insurance Services, Inc.

Finger Lakes Partners Insurance Services, Inc. is an insurance company based in New York providing a range of insurance products and services. With a focus on auto, home, business, life, boat, and recreational insurance, the company aims to protect individuals and businesses against potential risks and provide financial security.


13. CSEA insurance

CSEA Insurance is a group sponsored insurance program offered by Pearl Companies. They offer various insurance plans, including life insurance, disability insurance, auto and homeowner's insurance, and pet insurance.


14. J.A Faccibene & Associates, Inc.

J.A. Faccibene & Associates (J.A.F.) is a General Insurance Agency dedicated to providing superior, transparent, and caring customer service in the field of business, personal, and life science insurance. With a focus on accessibility and ensuring that clients have insurance that works when they need it, J.A.F. offers a wide range of insurance products and services to meet the diverse needs of their customers. Their knowledgeable and experienced staff are committed to delivering the best insurance solutions with the lowest premiums possible.


15. Controller

  • Website: achernick.com
  • Headquarters: New York, New York, United States
  • Founded: 1952
  • Headcount: 1-10
  • LinkedIn

Arthur Chernick Company is an insurance agency and brokerage specializing in personal and business insurance, employee benefits, and financial services.


16. ENV Insurance Agency

  • Website: insurewithenv.com
  • Headquarters: Liverpool, New York, United States
  • Founded: 1988
  • Headcount: 11-50
  • Latest funding type: Acquired
  • LinkedIn

Insurewithenv.com is an insurance agency offering comprehensive insurance solutions for businesses and individuals. With a focus on compliance and cost control, they help clients maximize benefits plans and manage employee benefits, risk management, and compliance. They also provide resources for staying in compliance and reducing organizational risks. Additionally, they offer financial services and property and casualty services for business and personal insurance.


17. Advisors Insurance Brokers

  • Website: advisorsib.com
  • Headquarters: Clifton Park, New York, United States
  • Founded: 1991
  • Headcount: 11-50
  • LinkedIn

Advisor Insurance Brokers is one of the largest Brokerage Agencies in the U.S specializing in Long-Term Care, Life, Annuities, Senior Health Insurance, Disability Insurance, and Linked Benefits.


18. Bond Benefits Consulting

Bond Benefits Consulting is a premier employee benefits broker in Rochester, NY providing health insurance and other specialty services including compliance with the Affordable Care Act (ACA).


19. Building Trades Welfare Fund

  • Website: btwelfarefund.org
  • Headquarters: Garden City, New York, United States
  • Headcount: 1001-5000

Building Trades Welfare Fund provides comprehensive health benefits to its members since 1996, with a focus on negotiating the best pricing for quality health-care.


20. Optima Benefits and Payroll

Optima Benefits & Payroll is a full-service payroll and employee benefits provider serving the Upstate NY region.


21. EMS Group Insurance Agencies, LLC.

EMS Insurance Group is a privately-owned family partnership providing comprehensive insurance coverage for homes, cars, businesses, and individuals. With a customer-oriented approach, they offer long term care, auto insurance, disability insurance, life insurance, business insurance, and homeowners insurance. Their experienced staff consists of Certified Insurance Counselors, Investment Advisor Representatives, and other skilled professionals.


22. Fusco, Brandenstein & Rada P.C.

  • Website: fbrlaw.com
  • Headquarters: Woodbury, New York, United States
  • Founded: 1978
  • Headcount: 51-200
  • LinkedIn

FBR Law is a team of qualified attorneys dedicated to providing comprehensive legal services. With a focus on areas such as police disability, workers' compensation, social security disability, and negligence cases, our skilled lawyers fight hard to ensure our clients receive the coverage and benefits they deserve.


23. BENEFITS ADVANTAGE

The primary activities of Benefits Advantage, Inc. include design, funding, communication, and administration of Medical, Group Life, Dental, Disability, Voluntary benefits, Long Term Care, and Retirement benefits plans. We work directly with senior management of our clients to identify clear objectives for their employee benefits as the ""first step"" in the planning process. These objectives are then expanded through the design process into benefit plans with the unique features necessary to achieve the results required by our clients. After the design process, we work with a wide variety of providers on a competitive bidding basis to identify the best funding methods for insured and self-insured plans. We routinely evaluate Proposals from the leading insurance companies, Blue Cross / Blue Shield, health maintenance organizations (HMO's), and third-party administration (TPA) firms. The next step is to help produce an effective benefits communication program. We add our creative resources to those of our clients, insurance companies, and other outside professionals; such as advertising agencies and printers. On an ongoing basis, we help our clients with premium billing procedures, claims administration, claim experience review systems, renewal rating evaluations, and other administration services. While we prefer to conduct all of the above activities for our clients, it is sometimes possible for us to provide one or more of these services without the complete planning and implementation process. We have more than thirty years experience helping clients with employee benefits plans. Our fees are normally paid through insurance company commissions, but time and expense billing arrangements are also used when requested by our clients.


24. NYSIF

  • Website: ww3.nysif.com
  • Headquarters: Albany, New York, United States
  • Founded: 1914
  • Headcount: 1001-5000
  • LinkedIn

NYSIF is a wide platform that focuses on delivering workers&s; compensation insurance for businesses operating within the region.


Want to find more disability insurance companies?


If you want to find more companies that offer varied plans to help manage financial uncertainties you can do so with Inven. This list was built with Inven and there are hundreds of companies like these globally.


With Inven you'll also get to know the company's:


  • Ownership: Which of these are private equity backed? Which are family-owned?
  • Contact data: Who are the owners and CEO's? What are their emails and phone numbers?
  • Financials: How do these companies perform financially? What are their revenues and profit margins?

...and a lot more!