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Pro Insurance Agency
  • Business
  • Home
  • Auto
  • Life

Pro Insurance Agency

Independent Insurance Agent in Setauket, NY

About us

Putting Your Insurance Needs First.

At Pro Insurance Agency, Inc., we help businesses across more than 40 states protect their assets, people, and future with comprehensive commercial insurance and risk-management solutions. Our mission is to deliver customized insurance programs that reduce risk, improve efficiency, and position companies for long-term growth. As an independent insurance agency, we represent many of the nation's top-rated carriers, allowing us to design tailored business insurance solutions that fit each client's industry, size, and risk profile. From construction firms, trucking operations, and manufacturers to professional services, real estate, and retail businesses, we build protection around your specific exposures-not a one-size-fits-all policy. Our commercial insurance offerings include general liability, commercial auto, property, workers' compensation, cyber liability, professional liability (E&O), directors and officers, umbrella, and employee benefits programs. We take a coordinated approach to ensure every policy works together to safeguard your balance sheet and support compliance across all lines of coverage. Our team consists of highly trained, credentialed professionals-including Certified Risk Managers (CRM) and Certified Insurance Counselors (CIC)-who bring deep industry knowledge and proactive service to every account. We go beyond quoting policies: we help clients analyze exposures, implement safety programs, and plan for scalable growth. At Pro Insurance Agency, we believe insurance should be a strategic advantage, not just a cost of doing business. That's why our clients rely on us for expert guidance, responsive support, and trusted relationships built on integrity and results. Whether you're a startup or a multi-state operation, we're here to protect what you've built and help your business thrive. we offer national reach, local expertise, and commitment to excellence can keep your business secure-today and tomorrow.




Commercial Lines insurance professionals

Ask me about these types of insurance...

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Hotel insurance is a very specific type of business insurance that's been tailored to meet the unique coverage needs of your business. Talk to an independent agent.

Request a hotel insurance quote

Bakery insurance is designed to protect your small business from potential hazards that can lead to serious financial loss. Talk to an independent agent.

Request a bakery insurance quote

Get financial protection for your salon from an insurance agent who specializes in your business. Talk to an independent agent.

Request a salon insurance quote

Why choose Pro Insurance Agency

States we serve

  • Arizona
  • California
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Maryland
  • Massachusetts
  • Nevada
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Texas
  • Vermont

Our insurance coverages

Personal insurance coverage

  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Flood
  • Home
  • Landlord
  • Motorcycle
  • Personal Watercraft
  • Renters
  • Snowmobile
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuities coverage

  • Annuities
  • Disability Income
  • Life
  • Long Term Care

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Construction
  • Educational Services
  • Finance and Insurance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

AIG Insurance Company, Admiral Insurance, Aetna, Allstate, AmTrust Financial, American National Insurance, Anthem Insurance Company, Applied Underwriters, Banner Life, Brighthouse Financial, CNA, Charter Oak Fire Ins, Chartis Property Casualty Company, Chubb, Cigna, Colonial Life Insurance, Condon Skelly, Delta Dental, Encompass, GNY Insurance Companies, Great American Insurance Company, Guard Insurance Group, Hagerty, Harford Mutual, Hippo Insurance, Hiscox Ins Co Inc., Jackson National Life, John Hancock, Leatherstocking Cooperative Insurance, Lexington Insurance Co, Markel Specialty, Massachusetts Mutual Life Insurance Company, Merchants Insurance Group, Mercury Insurance Group, MetLife Auto & Home, Mutual of Omaha, Narragansett Bay, National General Insurance (GMAC), Neptune Flood, Openly Insurance, Orchid Insurance Company, PURE, Philadelphia Insurance Companies, Plymouth Rock Assurance Corp, RPS, Scottsdale Insurance Company, Secura Insurance, ShelterPoint, The Hanover Insurance Group, The Hartford, UPC Insurance, US Assure, United States Liab, Universal Property & Casualty Insurance, Utica First Insurance Company, Utica National Insurance, Vacant Express, Vindati, Wright Flood, Zurich North America

Pro Insurance Agency Team

Michael Ruffner - Chief Executive Officer
Michael Ruffner
Chief Executive Officer
(631) 355-7240
Designations
  • CIC
  • CRM

Pro Insurance Agency Reviews

Average based on 16 reviews Leave a review

Customer Reviews

July 15, 2026

Hi, I recently transferred all my insurance to Cole Biondo... I have multiple cars and multiple homes that I placed with him. Cole couldn't have been more courteous professional and financially competent. If you have insurance of any type, I highly recommend calling this gentlemen as he is easy to deal with and actually cares! On top of this he saved me multiple thousands of dollars over State Farm who I was previously with for 40 years. I couldn't be happier!

July 15, 2026

We recently purchased a new Equinox from Chevy of Smithtown and had the pleasure of working with Brian Flores to obtain insurance during our visit. We explained what we were currently paying for our Silverado and that we wanted to add the Equinox while maintaining full coverage insurance. My husband and I figured it would double in price, but Brian was confident he can find us a better deal that works for our family. Brian went above and beyond to find us coverage that worked for us, while making the entire process smooth, stress-free, and affordable. He was knowledgeable, patient, and genuinely invested in helping us get the best deal possible. Thanks to Brian we are now paying LESS then we were before, and both trucks are FULLY covered!!! The customer service we received was outstanding, and Brian made us feel valued every step of the way. If you're looking for someone who truly listens and works hard to find the right solution, we highly recommend Pro Insurance Agency!

October 23, 2025

I have been a customer of Pro Insurance/Health Pro for years. My auto and home policies are up for renewal. I received an email from my agent Alexis, telling me about a different policy with the same company I currently have which would save me about $2,000. The coverage is the same or better, and I wouldn't have known about it unless Alexis contacted me. Thank you for being proactive on my behalf.

October 23, 2025

Great service and people. Folks I referred to you were happy too! Every time I have needed guidance with a health insurance policy, this team gleaned the proper information from me...from the start...NO MESSING AROUND! I have been totally satisfied with the service, the products offered and then purchased and have done business with them for over 20 years. Win, win!

October 23, 2025

Phenomenal service from Cole. Went through every company to get me the best price on auto insurance and saved me 200$ stress free

October 23, 2025

Just recently switched to Pro Insurance because of Cole BiondoHe is super knowledgeable and friendlyhe answered all my questions within minutes literally ! Any concerns I had .. he had solutions. I know I made the right decision to sign on with Cole and Pro !

October 23, 2025

Cole was a knowledgeable representative and integral to me in saving money on my auto insurance. Many thanks to him for helping the little guy get a step ahead in life.

October 23, 2025

Cole was friendly and knowledgeable, he didnt stop until he found me the best auto insurance quote. I couldnt be more happier with his help and expertise. 10/10 recommend

October 23, 2025

Ive had the pleasure of working with Pro Insurance on both a professional and personal level, and I couldnt be more satisfied with their service. Their dedicated team consistently goes above and beyond, providing personalized support with attention to detail and always assisting quickly whenever we need it.

October 23, 2025

I had the pleasure of dealing with Cole Biondo of Pro Insurance upon renewal of my auto policy where in my premium jumped to $8,000.00 after contacting Cole he went right to work and within several hrs he found me a new ins. co. And my premium went from $8,000.00 to $4,000.00 with a top name insurance co. I found Cole to be pleasant, professional, Dedicated and expedient and I would recommend Pro Insurance and Cole Biondo specifically As the right choice for your insurance needs.

Our Commitment to Transparent and Trustworthy Reviews

We prioritize honest feedback from our clients to assist future customers in making well-informed decisions. Our review section showcases authentic experiences from real customers. When a less-than-positive review is submitted, we share it with both the agent and the reviewer to foster collaboration and improvement based on constructive feedback. We also moderate reviews to remove inappropriate content or spam, upholding a high standard of trust and transparency.

RECOMMENDED INSURANCE COMPANY PARTNERS

Pro Insurance Agency

Putting Your Insurance Needs First.

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