About Us
Protecting What Matters Most — Your Business, Your Family, Your Future.
At United Coverage, we partner with New York’s business owners and private clients to build strategic insurance plans that protect success, simplify risk, and safeguard legacies.
OUR STORY
More Than a Policy. A Promise.
At United Coverage, we understand that insurance isn’t just a product — it’s a promise. A promise to protect what matters most, to provide unparalleled expertise, and to stand beside you as a trusted partner in securing your future.
United Coverage was founded by Austin Huth, a third-generation insurance professional who carries forward a family legacy of service, integrity, and personal commitment. Backed by decades of collective industry experience, our firm was built to break the mold — to serve business owners and families with smarter, sharper solutions that reflect their unique realities.
We don’t just follow trends — we set them. We’ve honed the craft of creating bespoke insurance strategies for clients across industries: from real estate investors and contractors to law firms and high-net-worth families.
Whether you’re scaling a business or protecting a legacy, our mission is simple: To deliver superior coverage and peace of mind, backed by experts who understand your world.
WHO WE SERVE
Specialized Coverage for the People and Businesses Driving New York
We proudly serve clients in the following industries and risk profiles:
- Private Client Services
- Contractors & Construction
- Commercial Property Owners
- Commercial Auto & Fleets
- Cyber Liability Needs
- Homeowners Insurance
- Flood-Prone Properties
- Workers’ Comp-Exposed Businesses
Law Firms & Professional Practices
Aviation Insurance Needs
General Business Owners
General Liability Operations
Restaurants & Hospitality
Commercial Umbrella Clients
Liquor Liability Clients
HOW WE WORK
Professional. Personal. Proven.
We take the time to understand your operations, exposures, and long-term goals — not just your renewal date.
We shop your risk with top-tier carriers and programs, structuring coverage that makes sense for your needs and budget.
Whether you need a quote, certificate, or policy change, we move fast — with zero shortcuts and full transparency.
Our team stays engaged after the sale. Annual reviews, proactive adjustments, and real-time service when you need it.
WHAT SETS US APART
We’re Not Just in the Insurance Business — We’re in the Relationship Business.
- Expertise with an Edge
We specialize in complex coverage — commercial, private client, cyber, and beyond. We know the markets inside and out and use that expertise to position you smarter.
- Built for Business Owners
We speak your language. We respond fast. We deliver exactly what you need without wasting your time — or missing the details that matter.
- Human-Centered Service
You’ll never get passed off or ignored. You get a real team, real communication, and a broker who actually cares if you’re protected.
- Long-Term Focus
We don’t just win your business — we earn it every year. Expect ongoing reviews, clear renewals, and proactive guidance as your world evolves.
why choose united coverage over captive or 1-800 insurance companies?
| Features & Services | United Coverage | Captive Agent | Online & 1-800 Companies |
|---|---|---|---|
| Access to Multiple Insurances Carrier & Products | We make switching carriers easy & seamless | You’re stuck with what they offer | Switching means starting from scratch |
| Hassle-Free Policy Switch | We recommend what’s easy & pays off | Pushes their company’s product, whether it fits | Here’s your rate; you’re on your own |
| Unbiased, Client-First Advice | We guide you through claims and fight with you against big insurance | Handled by in-house adjusters with company priorities | Usually handled by a part-timer |
| Claims Advocacy & Hands-On Support | We guide you through claims and fight with you against big insurance | Usually handled by a part-timer | It’s never the same person twice |
At United Coverage, you’re more than a policy number.
When you choose us, you get options, expertise, and advocacy – not a call center.
We work for you, not an insurance company.
Let’s Talk Coverage That Works
