07/08/2026
✨Kristi D’Cruz is the founder and principal broker of Rustic Brokerage, an independent insurance agency built on the belief that insurance should be personal, educational, and tailored to each client’s unique needs.
Licensed in New York since 2010, Kristi has spent more than 16 years helping individuals, families, entrepreneurs, and businesses navigate an increasingly complex insurance marketplace. Her experience spans a wide variety of personal and commercial insurance solutions, allowing her to serve clients across many industries while recognizing that no two risks are ever exactly alike.
Rather than offering one-size-fits-all policies, Kristi takes the time to understand each client’s goals, operations, and exposures. She believes informed clients make better decisions, which is why she focuses on educating clients, identifying potential coverage gaps, and designing insurance programs that provide meaningful protection—not just a policy.
As a business owner herself, Kristi understands firsthand the challenges of building and protecting a business. Her lifelong involvement in the equine industry also gives her a unique perspective when working with horse owners, farms, trainers, boarding facilities, and other agricultural operations, allowing her to bridge real-world experience with specialized insurance knowledge.
Clients appreciate Kristi’s honest advice, responsiveness, and commitment to finding practical solutions. When a risk requires specialized expertise, she works closely with a trusted network of carrier partners, underwriters, and industry professionals to ensure every client receives the strongest coverage available.
Whether protecting a family home, a growing business, a farm, or a specialized commercial operation, Kristi’s mission remains the same: to build lasting relationships through trusted guidance, exceptional service, and insurance solutions that evolve with her clients’ needs.
At Rustic Brokerage, insurance isn’t just about policies—it’s about protecting the people, businesses, and passions that matter most.✨