Morgenstern Insurance

06/17/2026

Big welcome to the newest member of the Morgenstern family - Bryan Campagna, our new Coordinator of Client Services! 👏

Bryan brings a sharp eye for detail, strong communication skills, and a background in financial services and he's all about helping clients navigate their insurance needs with confidence. He's also earned his Professional Risk Consultant (PRC) designation - a reflection of his commitment to continued growth in the field.

We're thrilled to have him on board. Learn more about Bryan and the rest of our team: https://www.morgensterninsurance.com/about

06/09/2026

The coverage gap most small business owners don't know they have: cyber liability. 🛡️

Most general liability policies exclude cyber incidents entirely. That means if a phishing email leads to a wire fraud, or a ransomware attack locks your systems for a week, you're likely paying out of pocket — including the forensics, the client notifications, and the legal fees.

Three things people get wrong about cyber:
→ "We're too small to be targeted." Small businesses are preferred targets — less defense, faster payouts.
→ "Our IT company handles it." IT prevents incidents. Insurance pays for the ones that get through.
→ "It's bundled in our BOP." Sometimes a sub-limit is included. It's almost never enough.

A standalone cyber policy for a small business often costs less than a single employee's monthly health premium. Worth a conversation: 585-416-4100

06/05/2026

Hurricane season officially started June 1 — and according to a new industry report, Florida homeowners actually have some good news heading into it.

After years of rate hikes and carriers pulling out, Florida's property insurance market posted over $2 billion in underwriting gains in 2025, its strongest year in more than a decade. More carriers are competing again, which means more options at renewal. That said, experts caution that emerging risks — from wildfires to the upcoming storm season — could still test these gains.

🔗 Read the full report: https://www.insurancebusinessmag.com/us/news/breaking-news/new-threats-could-test-recent-reform-gains-in-florida-triplei-570669.aspx

Before the first named storm forms, three things worth checking:
→ Do you have flood coverage? (Standard homeowners doesn't include it.)
→ When did you last review your dwelling limit against current rebuild costs?
→ Do you know your hurricane deductible — and can you cover it?

Our team is happy to take a look. No obligation — just a clearer picture before the season ramps up.

Premiums fall while new entrants expand competition as recent legal reforms take hold

05/25/2026

This Memorial Day, we pause to remember and honor the brave men and women who gave their lives in service to our country. 🇺🇸

Their sacrifice is why we have the freedoms we cherish today. We are forever grateful.

From all of us in the Morgenstern family — thank you.

05/22/2026

A heartfelt thank you to Barbara Witt for these kind words about Matt Harding! 💙

Matt's responsiveness and dedication to having his clients' backs is exactly the kind of service we strive for across the Morgenstern family. We're grateful for clients like Barbara who trust us - and for teammates like Matt who make that trust feel earned.

Curious what it's like to work with a broker who actually has your back? Let's start the conversation: https://www.morgensterninsurance.com/contact

05/15/2026

Please join us in welcoming Kirstin Hollman to the Morgenstern family! 🙌

Kirstin joins us as our new Assistant Coordinator of Client Services, bringing a strong background in contract management with a focus on organization, compliance, and client support. She's highly experienced in managing complex data systems - from CMS platforms to advanced spreadsheet tracking - to monitor service delivery and outcomes.

Kirstin started her insurance career at GEICO handling personal lines coverage, and most recently comes to us from the not-for-profit sector. Known for her attention to detail and proactive approach, she's already proving to be a great fit for the way we serve our clients.

Read more about Kirstin: https://www.morgensterninsurance.com/about

05/05/2026

🌮🎉 Happy Cinco de Mayo! 🎉🌮

Today we celebrate culture, community, and a little time to enjoy good food and good company. However you’re celebrating, we hope it’s a fun and safe one!

05/01/2026

Today we’re recognizing Jamie Chandler, Account Executive, on his anniversary with Morgenstern Insurance! 🙌

Over the past three years, Jamie has built a reputation for tackling complex challenges and finding smart, effective solutions for clients. We asked him to share a bit of his perspective:

💬 Favorite part of the job?
“My favorite part of the job is thinking outside of the box and solving complex problems for clients.”

💬 Best advice for clients?
“Pick a partner that you can trust to navigate the insurance landscape for you. Relationships are everything!”

Thank you, Jamie, for three years of dedication and impact!

04/24/2026

We’re incredibly grateful for this kind note and proud of the team behind it. Helping clients feel confident, supported, and set up for success is exactly what we aim for every day.

A special thank you to Jamie, Adrienne, and Jillian for going above and beyond. Your dedication and care make all the difference. 💙

💬 Here's what Danielle shared with us:

"I just wanted to take a moment to pass along how truly amazing your team has been to work with. Insurance can be stressful, especially for those of us who don’t deal with it every day, but this experience has been nothing but pleasant. Your team has been incredibly helpful—always willing to jump on calls to walk me through things I don’t fully understand and consistently going the extra mile to make sure we have the proper tools in place to set our business up for success. I especially want to thank Jamie, Adrienne, and Jillian. Their support, patience, and dedication have not gone unnoticed, and it’s made a big difference for us. You have a fantastic team, and I truly appreciate all of their efforts."

04/01/2026

Wishing You a Meaningful Passover! ✡️

As Passover begins, we wish all who celebrate a holiday filled with reflection, tradition, and time spent with family and loved ones.

Chag Sameach!