Personal & Business Insurance
Whitestone Insurance Services helps individuals, families, and businesses review insurance options across personal, commercial, and specialty lines. We help clients review available options from the insurance markets accessible to our agency — we do not guarantee placement, pricing, or eligibility.
An Independent Agency Working Across Multiple Lines
As an independent insurance agency, Whitestone Insurance Services is not a carrier. We help clients review available options from the insurance markets accessible to our agency. The carriers and products available to any individual or business depend on eligibility, state, coverage type, underwriting, and other factors.
Personal lines coverage — including auto, homeowners, renters, health, and life — addresses the insurance needs of individuals and families. Commercial lines coverage — including business insurance, workers' compensation, and trucking — addresses the needs of businesses, employers, and commercial vehicle operators.
We help you review what types of coverage may be relevant to your situation, understand the distinctions between coverage types and carriers, and work through the quoting and placement process. We recommend speaking with our team before purchasing any coverage.
Coverage Areas We Work With
The following coverage lines represent areas where Whitestone Insurance Services may be able to assist. Availability, eligibility, and options vary by coverage type, carrier, state, and individual or business circumstances.
Personal auto insurance may include liability, collision, comprehensive, uninsured motorist, and other coverages depending on the carrier, policy, state, and vehicle. Coverage requirements and available options vary.
Personal Auto Insurance →Coverage for owner-occupied properties — dwelling, other structures, personal property, and personal liability.
Homeowners Insurance →Coverage for tenants — personal property, personal liability, and additional living expenses. Your landlord's policy does not cover your belongings.
Renters Insurance →Coverage designed for rental-property owners — building, landlord-owned property, loss of rental income, and premises liability.
Landlord Insurance →Commercial insurance for businesses may include general liability, business owners policy (BOP), commercial property, professional liability, cyber, EPLI, umbrella/excess, inland marine, and other coverage types depending on the business.
Business Insurance →Workers' Compensation may provide benefits for eligible employee work-related injuries and occupational illnesses, subject to applicable state law, policy terms, classifications, and eligibility.
Workers' Compensation →Health insurance options may include ACA Marketplace coverage and supplemental products. Short-term medical coverage may be available only where legally permitted and is not offered in every state.
Health Insurance →Life insurance products may include term life, whole life, and indexed universal life. Products differ in structure, duration, cash value accumulation, premiums, and eligibility. A licensed agent can help you compare available options.
Life Insurance →Business owners may use life insurance for key person protection, buy-sell agreement funding, executive bonus arrangements, and business succession planning.
Business Life Insurance →An annuity is a contract issued by an insurance company that may be used to accumulate money or create retirement income. Available contract types include fixed, fixed indexed, and variable annuities. Terms, fees, guarantees, and risks vary by contract.
Annuities →Disability insurance may replace part of a person's income when a covered illness or injury prevents them from working. Policy definitions, benefit periods, elimination periods, and eligibility vary by contract and carrier.
Disability Insurance →Long-term care insurance may help cover eligible costs for home care, assisted living, memory care, or nursing facilities. Coverage, benefit triggers, elimination periods, and inflation options vary by contract.
Long-Term Care Insurance & Planning →Dental insurance may help with eligible preventive, basic, and major dental services. Benefits, annual maximums, waiting periods, deductibles, and network terms vary by plan.
Dental Insurance →Pet insurance may help reimburse eligible veterinary expenses for accidents, illnesses, emergency care, surgery, and optional wellness services. Available options, eligibility, and terms vary by carrier, plan, pet, and state.
Pet Insurance →Commercial trucking insurance for owner-operators and fleets may include primary liability, motor truck cargo, physical damage, bobtail/non-trucking liability, and other coverages. Requirements vary by operation, authority, and cargo type.
Trucking Insurance →An Agency That Works for You, Not a Single Carrier
We help clients review available options from the insurance markets accessible to our agency, subject to eligibility and availability. We are not captive to any single carrier.
We review your situation with you before presenting options. A licensed agent reviews inquiries and may assist through the quoting and application process.
Whitestone Insurance Services LLC is a licensed New York insurance agency located in Flushing, NY. We serve individuals and businesses in New York and other states where we are licensed and appointed.
Clients may contact our team directly by phone or email. Call (929) 292-8005 or email info@wstone1.com.
Ready to Review Your Options?
Submit a quote request online or call us directly. A member of our team will follow up to discuss your coverage needs.