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 options is for New York insureds only.

Pay Online

Ocean Harbor offers flexible payment options. There is a $6.00 service fee on all installments and you may pay your balance in full at any time to avoide paying additional fees.

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. You may also pay by eCheck using a personal checking or savings account. A nominal fee applies for the use of this service.

You may also pay by mail by sending a check make payable to "Ocean Harbor Casualty Insurance Company" to: 7 High Street, Suite 408, Huntigton, 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

Complex Coverage is proud to announce that Ocean Harbor and its affiliate, Safe Harbor have received an "A' Unsurpassed" Financial Stability Rating from Demotech, Inc.

News

  • 1/1/2016
    Ocean Harbor launches revised rates & new credits for homeowners program
  • 6/17/2016
    NEW PRODUCT: In partnership with Maritime Program Group, Complex is pleased to announce the release of our new boat product
  • 6/27/2016
    NEW FEATURE: CC another person in your agency on submission correspondences

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' Unsurpassed" 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 will be the 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 introduction of our Dwelling product in 2015 and the new homeowners filing introduced in 2016 have helped us secure a place in front of our competitors. 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 will be introducing several new products in 2016 and we hope they can 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.

One of our featured carriers, Ocean Harbor Casualty Insurance Company, is rated A’ (A Prime) by Demotech, Inc. and rated B by A.M. Best Company, 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

  • 1/1/2016
    Ocean Harbor launches revised rates & new credits for homeowners program
  • 6/17/2016
    NEW PRODUCT: In partnership with Maritime Program Group, Complex is pleased to announce the release of our new boat product
  • 6/27/2016
    NEW FEATURE: CC another person in your agency on submission correspondences

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, Flood, Umbrella and Boat 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


 

 

 

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

The recently launched boat product is written through New Hampshire Insurance Company, a member of the AIG family of companies.

It was designed to offer a wide range of coverages tailored to all boat owners at a very competitve 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

TBA

   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

TBA

   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 - Email: claims@oceanharbor-ins.com 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

Meet the people

Executive:

Rob Maiorino
Marketing Representative
rmaiorino@complexcoverage.com
(631) 547-5959