If you have any questions about your invoice, please call us at 1-631-547-5959 during our regular business hours Monday-Friday 8:30AM - 4:30PM and ask for the billing department or you may call your broker at the number shown on the invoice.
Note: The button below will open a new window where you can make a payment for your Ocean Harbor policy. This option is for New York insureds only.
Pay Online (Ocean Harbor) Pay Online (Sutton National)
Ocean Harbor and Sutton National offer flexible payment options. Click HERE to view the current payment plans. There is a $6.00 service fee on all installments.
To pay your bill online, you can utilize our secure online payment option by clicking the button above. We accept Visa, MasterCard & Discover credit or debit cards. Processing fees will apply when making payments by credit or debit cards.
Processing fees are waived when making payments through our eCheck service using a personal checking or savings account.
You may also pay by mail by sending a check made payable to "Ocean Harbor Casualty Insurance Company" or "Sutton National Insurance Company" when applicable to: 7 High Street, Suite 408, Huntington, NY 11743. Please make sure to mail your check ahead of the invoiced due date to avoid incurring late fees.
Complex Coverage, Inc. (CCI) is an independent, special purpose, Managing General Agency formed in 1997 to provide sophisticated insurance services and to capitalize on emerging opportunities within the Personal Lines Insurance marketplace. Internally, CCI is committed to:
Complex Coverage is proud to announce that Ocean Harbor and its affiliate, Safe Harbor have received an "A" Exceptional Financial Stability Rating from Demotech, Inc.
It has been an extreme pleasure working with the helpful staff at Complex. Service standards are excellent and everyone really cares about our clients.
I am very pleased to say that 2017 marks our 20th anniversary of Complex Coverage's Homeowners program. For those broker partners who have been with us that whole time, there have been many changes along the way. However, the one thing that has remained is Complex Coverage's commitment to provide a good product, at a competitive price, delivered in a professional and timely manner.
We constantly remind each other that the product we sell is not dramatically different than the product sold by our competitors. That means that the "value we add" is the service we can provide. I hope that our broker partners agree that we have done a good job in that area.
The Dwelling product has now been available for 2 years and is enjoying significant sustained growth. The homeowners filing introduced in 2016 has helped us secure a place in front of our competitors. We are happy to announce an additional new HO filing that will take place in the 4th quarter of 2017. This will offer additional improvements from both a product and price standpoint.Many of these changes as well as procedural changes were as a direct result of input from our customers. We thank you for your input and encourage you to keep it coming.
We hope the introduction of these new offerings will provide your agencies with increased business opportunities.
Thank you for your business and your continued support.
Complex Coverage, Inc. offers a product line featuring insurance carriers with tremendous financial stability. It's essential to know about the financial status of your insurance carrier.
Our featured carriers include Sutton National Insurance Company, which carries an "A -" A.M. Best rating and is a member of the Suttonal National Insurance Group and Ocean Harbor Casualty Insurance Company, which is rated "A" by Demotech, rated "B" by A.M. Best and is a member of the Ocean Harbor Insurance Group.
The Ocean Harbor Insurance Group consists of five insurance companies, writing mainly homeowners and automobile business. The group, which actively does business in more than a dozen states, writes over $300 million of combined premium and is a top 100 writer of homeowners business in the United States.
Complex Coverage, Inc. partners with premiere insurance carriers to provide exceptional coverage at competitive prices. Currently, our product line features coverage for Homeowners, Dwelling Fire, Builder's Risk, Boat, Commercial, Flood and Umbrella Insurance.
After Sandy we had trouble finding an insurance company that would give us coverage at a reasonable price. We heard about Ocean Harbor from a neighbor who also had some damage from Sandy. They had nothing but good things to say about the company. Our agent got us a very competitive price from them and we have renewed every year since. Last year our premiums actually went down slightly.
Complex Coverage is proud to be the exclusive providers of Ocean Harbor in New York. Policies written through Ocean Harbor enjoy the protection of a Demotech A rated, admitted carrier that has been in business more than 30 years.
Ocean Harbor is underwritten exclusively through our Huntington office location by our highly trained staff and is available to the public through local independent insurance agents.
Learn more
Mountain Valley is a full-service property-casualty insurance company based in New York and focused exclusively on writing business in New York. The company offers comprehensive products, world-class service and specific benefits that clearly demonstrate their commitment to providing and exception experience to their insureds.
Adirondack is a full-service property-casualty insurance company based in New York and focused exclusively on writing business in New York. The company offers comprehensive products, world-class service and specific benefits that clearly demonstrate their commitment to providing and exception experience to their insureds.
Every policy holder insured with AIE is a member with their own stake in the insurance company and gain special benefits you won’t find with traditional insurers.
National General is a national insurance carrier providing a diverse variety of product lines. Complex Coverage is pleased to be a wholesale provider of National Generals homeowner’s product in New York.
With an AM Best rating of A-, National General is committed to providing a quality product to insureds countrywide for years to come.
In partnership with Maritime Program Group, we're proud to offer an incredibly competitive boat/yacht program.
It was designed to offer a wide range of coverages tailored to all boat owners at a very competitive price. We can insure boats from $25,000 to $5,000,000 and everything in between.
Available through PersonalUmbrella.com
Personal Umbrella policies offer additional liability coverage that your insured may need in order to extend coverage beyond their Homeowners coverage limits. With coverage limits of up to $10 Million, Uninsured/Underinsured Motorist Coverage and an AM BEST “A+” Rating: your insured can trust in the protection they’ve chosen with PersonalUmbrella.com.
A service of Leak Prevention Pros
Money can't buy back memories. Stop water damage before it starts. Leak Prevention Pros is a premier provider of the Leak Detection/Water Shut-Off System. Offering FREE ESTIMATES and a LIFETIME GUARANTEE, installation of their system is a simple and affordable way for your insured to protect their home and most cherished possessions from unnecessary water damage. Home or away, in the event of a leak, the system actually shuts off the main water supply within a matter of seconds, potentially saving your insured thousands of dollars in damages while preserving their valuables.
In the event of a catastrophic flood loss, which is not covered by Homeowners coverage, Wright Flood offers exceptional Flood Insurance and works directly with agents and insureds to ensure superior service and protection. Committed to serving property owners, Wright Flood insures directly through the National Flood Insurance Program, has an AM BEST “A-“Rating and is backed by FEMA.
Our Commercial product line offers package coverage for a wide array of business classes and sizes.
In partnership with Maritime Program Group, we proudly offer a very competitive Builder's Risk program through the A.M. Best "A" rated North American Specialty Insurance Company.
The insurance carriers with the Complex Coverage network offer many fantastic credits and discounts to reward our insureds for being responsible homeowners.
While no one wants to have a claim, the fact that losses occur is the reason why insurance exists. At Complex Coverage, we pride ourselves on dealing with carriers that have a strong commitment to resolving claims quickly and fairly. In order to make the process as easy and thorough as possible, we are providing the following information for you to use when advising your clients on filing a claim. Claims may be submitted by your agency personnel, the Insured, the children of the Insured, etc. All of our companies are prepared to accept claims by email or phone. The list below provides the contact information for the companies we represent. If you can't find your company's information, please contact your broker for assistance.
Report A New Claim
Ocean Harbor - Phone: 1-855-585-0500 Email: claims@oceanharbor-ins.com Sutton National - Phone: 1-855-585-0500
In the event of a catastrophe, we ask that you use the following easy 1-2-3 number system to discern between claims that are devastating and those that are minor inconveniences. It's most important that claims be treated on a triage basis as the most severe claims need to take precedence.
Level Damage Definition
To contact Complex Coverage, please call or email us as indicated below:
To receive a quote or inquire about an existing Ocean Harbor policy, please contact your local insurance broker.
If you are an insurance broker interested in pursuing an appointment with Complex Coverage, please contact:
Londyn Hoffman Marketing Representative lhoffman@complexcoverage.com
Insured
Loss