The Insurance Companies Behind Your Coverage
Independent means we work for you, not for a single carrier — so we shop across a broad network of top-rated companies to find the right fit for your situation.
An Independent Broker Works for You — Not for a Carrier
Most insurance agencies represent one company. We represent you. As an independent broker licensed in 10 states, we shop coverage options across multiple carriers to find the policy that actually fits your life or your business — not just the one that's easiest to sell.
We've been doing this in the Bronx since 2006, and our team of 9 bilingual agents brings that same hands-on, relationship-first approach to every client we serve — whether you're insuring your first apartment, your home, your fleet, or your contracting business.
Our Carrier Network
The companies listed below are the insurance carriers Mendoza Agency is currently authorized to represent. This list is maintained in compliance with New York State licensing requirements and is updated as our carrier appointments change.
Personal Lines Carriers
Carriers available for auto, homeowners, renters, landlord, and life insurance products.
Commercial Lines Carriers
Carriers available for general liability, commercial auto, business owners policy, workers compensation, commercial property, and professional liability.
Carrier Addresses
New York State requires licensed insurance agencies to maintain a current list of carrier names and principal addresses. Full carrier addresses will be listed here once the current roster is confirmed.
More Carriers, More Coverage Options for You
Before 2020, our carrier access was limited by a captive arrangement with a single company. Going fully independent changed that. Today we represent a broader range of carriers across both personal and commercial lines — which means when you come to us for a quote, we're not steering you toward the one option we have. We're looking across the market on your behalf.
That access matters whether you're a homeowner in the Bronx, a contractor running a crew in New Jersey, or a small business owner growing across state lines. We're licensed in 10 states and carry those same carrier relationships into every market we serve.
Questions About Our Carriers and How We Work
What does it mean that Mendoza Agency is an independent broker?
It means we're not owned by or contracted exclusively to any single insurance company. We represent multiple carriers and can shop your coverage across them to find competitive pricing and the right fit. Our obligation is to you, not to a carrier's sales quota.
What insurance companies does Mendoza Agency work with?
We work with a broad network of top-rated carriers across personal and commercial lines. The full current list is maintained on this page in compliance with New York State licensing requirements. If you have a question about a specific carrier, contact us directly and we'll confirm our current appointment status.
Has your carrier access changed over time?
Yes. When we became fully independent in 2020, we expanded our carrier appointments significantly beyond what was available during our prior captive arrangement. We now have access to more markets for both personal and commercial lines, which benefits our clients directly.
Does working with more carriers mean better pricing for me?
It often does. When we're not limited to a single company's rates, we can compare options and identify where the pricing and coverage terms are most competitive for your specific situation. That said, the right carrier for you depends on your coverage needs, location, and risk profile — not just price alone.
Are all of these carriers licensed and rated?
Yes. We work with licensed, admitted carriers and, where applicable, surplus lines carriers that meet state regulatory standards. We can speak to the financial strength ratings of specific carriers when we're building your coverage — just ask.