Payment

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.

Company Overview

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:

  • A focused quality staff
  • Thorough research and review preceding risk acceptances
  • Producing underwriting profits as a measure of success
  • Developing a competitive advantage based on a focused approach to profits and operating efficiencies vs. premium volume

 

News

  • 5/17/2023
    New Homeowners Program: Complex Coverage is pleased to announce the launch of our new homeowners program offering through Sutton National Insurance Company. With competitive rates, extensive coverage options and an "A -" A.M. Best rating, we’re confident that you’ll find Sutton National as the best fit for your homeowners insurance. Contact your local insurance broker for a quote.

  • 7/1/2022
    Save time and paper with eDelivery! Enroll today to receive your Ocean Harbor policy direct via email. For more information, please contact your insurance agent.
  • 7/1/2021
    Coverage Options for Hurricane Season: With hurricane season upon us, take advantage of Ocean Harbor’s CAT deductible options, which range from 0% - 5%. Additionally, you can obtain a Flood Insurance policy for enhanced coverage and peace of mind. These simple steps could save you thousands of dollars this hurricane season. Contact your insurance broker for more information. 
  • 5/1/2021
    Enhance Coverage with Flood Program Offerings: In partnership with Wright Flood and Neptune Flood, let Complex Coverage assist in providing you with enhanced coverage. With NFIP, private flood and extensive coverage options, protect your home with the coverage you may need this storm season. Did you know that flood policies can be applied to qualify for Ocean Harbor’s Companion Policy discount? Contact your insurance broker for flood quotes and more details. 
  • 3/1/2021
    Boat/Yacht Program Offerings: In partnership with Maritime Program Group, we proudly offer our Boat/Yacht program the A.M. Best “A” rated and admitted New Hampshire Insurance Company. Offering competitive pricing for experienced boaters, contact your insurance broker to receive a quote. 
  • 12/1/2020
    Dwelling Fire Program Enhancements: With Ocean Harbor's recent update to the Dwelling Fire program, give your insureds peace of mind with new features including inflation guard, service line and mechanical breakdown coverage! 
  • 7/6/2020
    To better serve your high value needs, Ocean Harbor has increased Coverage A maximum limits to $2 million on our Homeowners and Dwelling Fire programs. Offering extensive coverage and endorsement package options, Ocean Harbor proudly provides the best available coverage at competitive prices. Submit a quote today to see how much you can save!
  • 4/1/2020
    Ocean Harbor has increased Coverage A maximum limits to $1.75 million on our Homeowners and Dwelling Fire programs. Competitively priced, see how much you can save with higher value options.
  • 9/16/2019
    Save time, money and postage! For a limited time, we're waiving processing fees when you pay your bill online using our eCheck service.
  • 2/15/2019
    Ocean Harbor Dwelling Fire Update: New Features and lower rates now available! Features include $1 Million Liability and 0% CAT Deductible options. Submit a quote today!
  • 9/7/2018
    Commercial products now available! Offering package policies for a wide array of business classes and sizes, contact our office today to see how we can assist with your Commercial insurance needs.
  • 10/10/2017
    Are your homeowners insurance premiums getting out of hand? New revised rates through Ocean Harbor's homeowners program may substantially reduce your current premiums. Get a quote today to see how you can save with Ocean Harbor Casualty Insurance Company.
  • 3/7/2017
    You now have the ability to make changes to your Homeowners quotes online. Click the "Edit Quote" button at the bottom of the quote page to try this feature. As with all major changes, we recommend clearing your cached internet files. Click here for instructions.
     
  • 2/28/2017
    New Endorsements: including packages, service line, mechanical breakdown and trusts endorsements. If you are having difficulty using new features please remember to refresh your cache. Don't know how? Click here

  • 11/29/2016
    Mountain Valley Binding Fillable Form has been added to the Forms & Applications page. One of several new forms added recently to make submitting quicker and easier.
     
  • 6/27/2016
    NEW FEATURE: CC another person in your agency on submission correspondences.
     
  • 6/17/2016
    NEW PRODUCT: In partnership with Maritime Program Group, Complex is pleased to announce the release of our new boat product.
     
  • 1/1/2016
    Ocean Harbor launches revised rates & new credits for homeowners program.

Company Overview

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:

  • A focused quality staff
  • Thorough research and review preceding risk acceptances
  • Producing underwriting profits as a measure of success
  • Developing a competitive advantage based on a focused approach to profits and operating efficiencies vs. premium volume

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.

Insurance Agent
    Huntington, NY

President's Message

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.

It has been an extreme pleasure working with the helpful staff at Complex. Service standards are excellent and everyone really cares about our clients.

Insurance Agent
    Huntington, NY

Financial Strength

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.

It has been an extreme pleasure working with the helpful staff at Complex. Service standards are excellent and everyone really cares about our clients.

Insurance Agent
    Huntington, NY

News Room

    • 5/17/2023
      New Homeowners Program: Complex Coverage is pleased to announce the launch of our new homeowners program offering through Sutton National Insurance Company. With competitive rates, extensive coverage options and an "A -" A.M. Best rating, we're confident that you'll find Sutton National as a source of sustainable growth with focus on consistency and stability in the coastal marketplace.
       
    • 7/11/2022
      Save time, money and paper with eDelivery! Insureds can now enroll to receive their Ocean Harbor policy direct via email. Contact our office for more information. 
       
    • 7/1/2021
       Coverage Options for Hurricane Season: With hurricane season upon us, take advantage of Ocean Harbor’s CAT deductible options, which range from 0% - 5%. Additionally, we offer Flood Insurance through Wright and Neptune for enhanced coverage. These simple steps could save your insureds thousands of dollars this hurricane season.  
       
    • 5/1/2021
      Enhance Coverage with Flood Program Offerings: In partnership with Wright Flood and Neptune Flood, let Complex Coverage assist in providing enhanced coverage for your insureds. With NFIP, private flood and extensive coverage options, protect your insureds with coverage that they need. As a reminder, flood policies can be applied to qualify for Ocean Harbor’s Companion Policy discount. 
       
    • 3/1/2021
      Boat/Yacht Program Offerings: In partnership with Maritime Program Group, we proudly offer our Boat/Yacht program the A.M. Best “A” rated and admitted New Hampshire Insurance Company. Offering competitive pricing for experienced boaters, submit a quote today to see how much you can save your insureds. 
       
    • 12/1/2020
      Dwelling Fire Program Enhancements: WIth Ocean Harbor's recent update to the Dwelling Fire program, give your insureds additional peace of mind with new features including inflation guard, service line and mechanical breakdown coverage! 
       
    • 7/6/2020
      To better serve your high value needs, Ocean Harbor has increased Coverage A maximum limits to $2 million on our Homeowners and Dwelling Fire programs. Offering extensive coverage and endorsement package options, Ocean Harbor proudly provides the best available coverage at competitive prices. Submit a quote today to see how much you can save! 
       
    • 4/1/2020
      Ocean Harbor has increased Coverage A maximum limits to $1.75 million on our Homeowners and Dwelling Fire programs. Competitively priced, see how much you can save with higher value options.
       
    • 9/16/2019
      Save time, money and postage! For a limited time, we're waiving processing fees when you pay your bill online using our eCheck service.
    • 2/15/2019
      Ocean Harbor Dwelling Fire Update: New Features and lower rates now available! Features include $1 Million Liability and 0% CAT Deductible options. Submit a quote today!
    • 9/7/2018
      Commercial products now available! Offering package policies for a wide array of business classes and sizes, contact our office today to see how we can assist with your Commercial insurance needs.
    • 3/12/2018
    • Servicing Policies Made Easy: Save time with our recent web updates that enable you to view invoices/payment history, view/download policy documents and quote changes to active policies.
    • 10/10/2017
      Are your homeowners insurance premiums getting out of hand? New revised rates through Ocean Harbor's homeowners program may substantially reduce your current premiums. Get a quote today to see how you can save with Ocean Harbor Casualty Insurance Company.
    • 3/7/2017
      You now have the ability to make changes to your Homeowners quotes online. Click the "Edit Quote" button at the bottom of the quote page to try this feature. As with all major changes, we recommend clearing your cached internet files. Click here for instructions.
       
    • 2/28/2017
      New Endorsements: including packages, service line, mechanical breakdown and trusts endorsements. If you are having difficulty using new features please remember to refresh your cache. Don't know how? Click here

    • 11/29/2016
      Mountain Valley Binding Fillable Form has been added to the Forms & Applications page. One of several new forms added recently to make submitting quicker and easier.
       
    • 6/27/2016
      NEW FEATURE: CC another person in your agency on submission correspondences.
       
    • 6/17/2016
      NEW PRODUCT: In partnership with Maritime Program Group, Complex is pleased to announce the release of our new boat product.
       
    • 1/1/2016
      Ocean Harbor launches revised rates & new credits for homeowners program.

It has been an extreme pleasure working with the helpful staff at Complex. Service standards are excellent and everyone really cares about our clients.

Insurance Agent
    Huntington, NY

 

Our Products

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.

Margaret
    Bayshore, NY

Homeowners Programs

We offer our partners access to a variety of homeowners markets. All of our markets are top quality, highly rated carriers with a history of success. Complex Coverage is committed to the success of all of our partners, companies and independent agents alike.

Ocean Harbor Casualty Insurance Company

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 Indemnity Company

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.

Learn more



Adirondack Insurance Exchange

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.

Learn more


 

 

 


National General Insurance Company

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.

Learn more


 

   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.

Margaret
    Bayshore, NY

Boat Programs

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.

   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.

Margaret
    Bayshore, NY

Personal Umbrella

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.

   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.

Margaret
    Bayshore, NY

Leak Prevention

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.


Benefits:

  • 7-10% premium credit with proof of installation
  • Previously ineligible risks may qualify with proof of installation
  • Lifetime Guarantee
  • 24/7 Protection
  • Alarm Notification
  • Free Estimate (limited time)

   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.

Margaret
    Bayshore, NY

Flood Programs

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.

   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.

Margaret
    Bayshore, NY

Commercial Programs

Our Commercial product line offers package coverage for a wide array of business classes and sizes. 

   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.

Margaret
    Bayshore, NY

Builder's Risk

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. 

   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.

Margaret
    Bayshore, NY

Credits & Discounts

The insurance carriers with the Complex Coverage network offer many fantastic credits and discounts to reward our insureds for being responsible homeowners.


Ocean Harbor Credits / Discounts Include:

  • Companion Policy Credit
  • Mature, Retired Homeowner Credit
  • New Roof Credit
  • Leak Detection / Water Shut-Off
  • Smoke Detector Credit
  • Burglar Alarm
  • New Home Credit

   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.

Margaret
    Bayshore, NY

 

REPORTING A CLAIM

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.

Claim Directory by Company:

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

1 Unlivable Home is not livable or a danger to live in
2 Major Major damage but home is livable
3 Minor No major damage to home - tree down on fence, roof shingles missing, etc.

Contact Information

To contact Complex Coverage, please call or email us as indicated below:

Headquarters:
7 High Street, Suite 408, Huntington, NY 11743
Phone: (631) 547-5959
Fax: (631) 547-5005
Email: service@complexcoverage.com

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 Portal
 
To report a new claim, please use the REPORT A NEW CLAIM button. New claims can also be reported by phone at (855) 585-0500.
To view your policy, click the FIND MY POLICY button and enter your policy number and the zip code or the invoice number.

MAKE A PAYMENT
Using our secured online payment service, you can make a payment by eCheck or by credit/debit card. Please note, a processing fee will be applied when paying by credit/debit card.
Using the P1 Financial Service to pay the invoice.
PAY BY MAIL
Checks made payable to “Ocean Harbor Casualty Insurance Company” or “Sutton National Insurance Company” can be mailed to:
7 High Street, Suite 408; Huntington, NY 11743.
PAY BY PHONE
To make a payment by phone, please contact our Billing Department at (631) 547-5959.

Payment

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.