Eli Cohen Agency

“Can I get my insurance renewed in a day?”

It’s a question that captures the expectation of today’s insurance clients. From business owners protecting their assets to individuals managing personal coverage, everyone expects insurance to move as fast as same-day deliveries. But as policies near expiration, urgency takes over. Customers want to find the best premiums on the market but have little time to compare options. Today’s consumer mentality demands immediacy—and the traditional pace just can’t keep up.

Eli Cohen Insurance Agency was built for this new reality. It is laser-focused on helping clients secure competitive premiums faster than ever. The agency has turned timing and pricing pressures into an advantage through a system built on three core values—speed, price and communication.

Through well established, trusted relationships with underwriters and insurance carriers and the large volume of business it places with them, Eli Cohen Insurance Agency receives priority attention and faster turnaround. Even the most complex policies are often completed within 48 hours. These carrier relationships deliver preferred pricing and access to exclusive rates. Clients stay informed every step of the way through clear, proactive communication that enables timely, confident decisions.

“We’re always looking for creative ways to keep premiums down and help our clients choose the option that makes the most sense for them,” says Eli Cohen, CEO.

The agency’s niche lies in real estate portfolio, spanning residential buildings, apartment complexes, office buildings, retail strip centers, and warehouses—while also offering personal, business, and group benefits solutions. As costs continue to surge across the sector, many clients have found a reliable ally in Eli Cohen and his team- allowing them to navigate uncertainty with expertise and confidence.

Personalized Insurance with Faster Approvals and Better Pricing

The agency knows how to make the system work in the clients’ favor. For middle-market accounts and larger premium policies, insurance carriers and underwriters typically have the flexibility to apply discretionary discounts of up to 30 percent. The decision depends on the quality of the client’s operations and the underwriter’s confidence that the account represents a favorable risk.

Eli Cohen Insurance Agency enjoys well-earned credibility with underwriters, who place a high level of trust in its judgment.

“Our partners know that we present well-vetted, responsible clients with strong risk management practices,” says Cohen.

Based on this trust, underwriters are often more willing to extend discretionary discounts, which translate into better pricing and value for clients.

A recent client story highlights the impact: a client with a 30,000-square-foot medical office building in New York City faced a looming insurance premium hike just two days before renewal. Rates were set to double from $25,000 to $50,000 despite a clean claims record.

Their broker already approached multiple carriers in search of better pricing but was unable to secure any competitive rates. One carrier even declined to provide a quote. The team at Eli Cohen Insurance Agency team stepped in, reviewed the situation and re-engaged that same carrier. It highlighted the client’s strong property management and claims history, presenting the risk in a favorable light. Within 24 hours, the team secured an approved quote, matching the client’s current premium of $25k.

Transparent Processes Every Step of the Way

Clients return because they feel informed at every turn. For some policies, the agency can generate quotes in-house through carrier portals and provide results the same day. For more complex policies that require outreach to multiple carriers, the team sets expectations, so clients understand both the process and the timeline ahead.

Once all options are gathered, the agency presents a comprehensive proposal, clearly explaining each choice and recommending the best option based on value, coverage and overall fit.

Part of what makes communication so effective is the agency’s structure. In recent years, the insurance industry experienced a wave of consolidation, with many smaller agencies being acquired by large, national chains. While this may bring scale, it typically introduces more steps between clients, brokers, and underwriters, causing delays. In many larger organizations, the person speaking to the client is not the same person negotiating directly with the insurance carrier. This disconnect can create inefficiencies and longer turnaround times.

Eli Cohen Insurance Agency’s structure is intentionally different. The account executive who speaks with a client is also communicating directly with the underwriter. Direct representation of the client conveys urgency, professionalism and client integrity in a way that emails or automated systems cannot.

“We continue to underline the value of personal relationships, even when the industry moves with the wave of automation,” says Cohen.

A Trusted Partner for Lenders and Borrowers Alike

Eli Cohen Insurance Agency’s success lies predominantly in its strong partnerships with commercial lenders. For many lenders, the insurance component of a deal can quickly become a frustrating roadblock that delays closings.

The agency partners with lenders to help its borrower clients receive the required coverage quickly and at a cost that aligns with their financial goals. When insurance details are handled efficiently, lenders can focus on guiding their clients toward a successful closing.

Through various partnership programs, lenders can simplify communication and accelerate turnaround times. Eli Cohen Insurance Agency takes pride in these collaborations and continually welcomes new institutions that share its commitment to client success.

A case highlights the impact of its lender relationship. A client just completed construction of a 20-unit apartment building in Brooklyn and was referred by his mortgage broker who had originally budgeted the insurance at roughly $20,000 to $27,000. He then contacted a broker he had used in the past, but after five weeks of delays the premium came back at $37,000.The higher cost and the extended turnaround were creating financial strain.

With refinancing deadlines approaching and higher interest rates already affecting cash flow, the client’s lender reached out to Eli Cohen Insurance Agency for help. The client called on a Tuesday, and the team delivered a fully approved quote by Thursday. The final premium came in at a significantly lower $27,000 allowing the client to close on the loan that same week.

High-Quality Service Rooted in Collaboration

The growth of Eli Cohen Insurance Agency has been largely organic. Many clients are pleased with the agency’s results and service that they naturally refer friends, family and other industry professionals who manage real estate portfolios.

Its team is the cornerstone of the agency’s many successes. A fully in-office model enables employees to bounce ideas off one another and collectively solve challenges.

It also emphasizes employee satisfaction and team cohesion. Team members spend time building meaningful relationships with one another, both inside and outside the office, which helps maintain an exceptionally high employee retention rate. The strong culture of teamwork and engagement is a point of pride for the agency and contributes directly to the high-quality service clients appreciate.

The agency is committed to remaining independent. It is large enough to serve clients effectively, yet small enough to maintain personal relationships and a hands-on operational model. Striking this balance makes Eli Cohen Insurance Agency a trusted partner for fast and dependable solutions.

For more information, reach out: info@elicohenagency.com