About Us

NYCBalloonsThe origin of our company dates back over 50 years. Since that time we have grown to a full service Insurance and Life, Health, and Benefits Planning organization doing business nation-wide. We offer all types of insurance coverage including personal, commercial and life and health products. Our associates are able to provide clients with the most comprehensive and individualized service available at the most competitive prices.

We provide coverage ranging from an individual’s car and homeowners to business accounts with multiple locations coast to coast. Our commercial accounts include both private and public corporations. We also have a division exclusively for Financial Institution accounts. The products offered are specifically designed for Banks and Mortgage Lenders including Lender Placed Insurance programs. In addition, we have specialty programs for those unique situations allowing us to customize your complete insurance portfolio. At the base of our success is our professional staff. They keep up to date on new products through continuing education and guarantee friendly and efficient account handling.

The agency is very visible in both the industry and community with numerous achievement awards to its credit. We are very proud to have been featured in numerous publications over the years. The principals of the agency include Steven Spiro, David Spiro and Lane Rubin. All have several distinctions in common: each has been elected by peers to be the president of a state or regional professional insurance association; each has fought for regulatory and legislative protections for the consumer in the insurance process; and each has specialized in the provision of a different aspect of coverage.

Steven J. Spiro, CLU, ChFC

image001Steven began his insurance career as a Field Representative for the Guardian Life Insurance Company in 1979 and attained both his Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations. He later joined Spiro Risk Management, Inc. and remained there for almost 30 years until the establishment of The Excelsior Group, Inc. In addition to managing the agency, he spends much of his time developing Financial Service and Employee Benefit programs.

Steven has served on the National Board of the Independent Insurance Agents and Brokers Association of America as well as their Healthcare Task Force and Professional Liability Committees. He is a Past President of the Independent Insurance Agents and Brokers Association of New York and a past Governor of the New York District of Key Club International. In addition to offering testimony on insurance issues on numerous occasions both in New York State and before Congress, he has been honored with many awards of distinction by the insurance industry at the local and state levels. In addition, he currently serves as President of the Five Towns Community Chest and on the Board of Trustees of Temple Beth El in Cedarhurst.

An Independent Advantage

We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. The Excelsior Group represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.

December 17th, 2013 by The Excelsior Group