Earn your New York Point & Insurance Reduction certificate online with American Safety’s 6-hour course—convenient, state-approved, and available anytime. Reduce points, lower insurance rates, and refresh your driving knowledge all in one easy program.

Protect Your Future Today

Real People, Real Protection

Your Trusted Shield for Your Home, Auto & More

For 30 years, we’ve helped families and businesses safeguard homes, cars, and futures with reliable insurance solutions backed by 24/7 service and trusted support.

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Drive With Confidence

Protect Your Car With Auto Coverage

Get automobile insurance that keeps you covered on the road. From liability to collision, we help you save with tailored protection.

  • Property: covers vehicle damage.
  • Liability: covers injury costs.
  • Medical: covers treatment expenses.
  • Savings: 10% discount with course.
Safeguard Your Home

Protect Your Home Investment Today

Homeowners insurance tailored to your needs, covering structure, possessions, liability, and living costs during unexpected damage.

  • Covers rebuilding costs.
  • Includes personal property.
  • Offers liability protection.
  • Adds extended coverage options.
Condo Coverage That Fits

Protect Your Condo or Co-Op Unit

Condominium insurance designed to protect your personal belongings, improvements, and liability where master policies stop.

  • Covers structural upgrades.
  • Includes liability protection.
  • Adds living expense coverage.
  • Offers assessment reimbursement.
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Coverage When It Counts

Protect Against Flood Losses

Flood insurance safeguards your property against rising waters, covering damages that homeowners insurance does not.

  • Protects home structure.
  • Covers mechanical systems.
  • Includes cleanup coverage.
  • Backed by NFIP support.
Your Trusted Partner in Protection

Protect What Matters Most With Personalized Insurance Solutions in Garden City, NY, Ozone Park, and Surrounding Areas

A local agency built on integrity and dedicated service since 1995

For 30 years, Paul J. Bernieri Insurance Agency, LLC has provided trusted insurance in Garden City, Ozone Park, and surrounding areas. We offer auto, home, and business policies backed by Allstate, with 24/7 support and exclusive 10% auto discounts.

Values & Unique Selling Points

  • 24/7 Service:

    Support available whenever you need us.

  • 30 Years of Experience:

    Trusted in Garden City & Ozone Park since 1995.

  • Exclusive Discounts:

    Save up to 10% on car insurance.

  • Defensive Driving Class:

    Only $39, reduce up to 4 points.

  • Trusted Affiliation:

    Backed by Allstate’s network.

Save Up To 10% On Your Car Insurance Today

Take our $39 Defensive Driving Course to save up to 10% on auto insurance and cut up to 4 points from your record.

Local Insurance Solutions Backed by Allstate, Built for You

Schedule Your Insurance Plan Today

Insurance should never feel complicated or out of reach. We make it easy for residents and businesses in Garden City, Ozone Park, and the surrounding New York areas to find affordable, reliable protection. Whether you need automobile insurance, homeowners coverage, or specialized plans for flood, renters, or commercial vehicles, we take the time to understand your situation and match you with the right policy.

For over 30 years, we’ve built lasting relationships by focusing on service and savings. As part of the Allstate network, we offer reliable claims support and trustworthy resources, all while maintaining a personal and approachable touch. Clients choose us because we deliver both strong coverage and real value, from 24/7 support to our exclusive promotions, including a $39 defensive driving course that helps you save up to 10% on auto insurance.

Now is the time to protect your family, business, property, and your financial future. Call (718) 323-0400 or request a quote today. Together, we’ll create a plan that gives you reliable coverage, affordable rates, and confidence for the road ahead.

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OUR SERVICES LIST

WHAT WE’RE OFFERING

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01
Automobile

Drive with confidence. Protect your car with auto coverage that fits your needs and budget.

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02
Homeowners

Safeguard your home investment with coverage for structure, possessions, and liability.

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03
Condominium

Get protection where condo master policies stop. Coverage for improvements, belongings, and liability.

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04
Flood

Shield your property from damages not covered by standard home insurance.

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05
Umbrella

Extra liability coverage that goes beyond your auto and home policies.

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06
Renters

Affordable coverage for personal property, liability, and living expenses.

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07
Commercial Vehicles

Protect your business-owned vehicles with complete coverage for liability, collision, and employee use.

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08
Business Owners Policy

Combined property and liability protection in one package designed for small and mid-sized businesses.

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09
Group Plans

Flexible group dental, disability, life, long-term care, and health insurance solutions for businesses.

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10
Property & Liability

Coverage for commercial property, inventory, and liability to protect your business assets and operations.

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11
Workers Compensation

Protects employees with medical and wage benefits after workplace injuries, while safeguarding employers from lawsuits.

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12
Builder / Contractor

Liability insurance tailored for contractors to cover property damage, injuries, and on-site risks.

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13
Builders Risk

Specialized coverage for buildings under construction, protecting against fire, theft, and other damages.

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14
Apartment

Safeguard apartment buildings with coverage for property, liability, and loss of rental income.

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15
Property Liability

General liability protection for businesses, covering injury, property damage, and legal defense costs.

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16
Term Life Insurance

Affordable life insurance for set terms with flexible options to protect your family’s financial future.

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17
Permanent Life Insurance

Lifelong protection with cash value growth and flexible policy options to meet changing needs.

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18
Disability

Short- and long-term disability plans to protect income when illness or injury prevents you from working.

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19
Long Term Care

Protects your assets with insurance for nursing, assisted living, and in-home care costs.

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20
Health Insurance

Individual and family health plans that balance affordability with comprehensive coverage options.

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21
Estate Planning

Life insurance-based estate planning solutions that secure your family’s financial legacy.

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Backed by Allstate and industry partners

Recognized & Trusted

Testimonials

See What Others Say About Us

R

Robert B.

08/28/2025

Excellent!! Professional!! Friendly!! Personable!!!

Allstate

P

Pasquale S.

03/29/2025

Love the one on one experience whenever I need help

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D

David R.

03/28/2025

Paul, I lease a car this year, if I use Allstate for the car and real estate do I receive a special rate let me know as my current lease is up in June

Allstate

C

Christine B.

10/29/2024

Always a pleasure working with my allstate office. They treat me as family and Always guide me in the best direction

Allstate

H

Henry Y.

08/20/2024

Very good and satisfied

Allstate

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Thomas G.

08/05/2024

Fantastic service Extremely attentive

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J

June S.

07/17/2024

Everything was pleasant and professional

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D

Doug N.

07/09/2024

Paul has been my agent for over 30 years. He has provided excellent service and I appreciate his professionalism.

Allstate

C

Carole P.

06/20/2024

I appreciate your email confirming you received my check.

Allstate

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Natalie G.

05/15/2024

All wonderful.

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J

Jackson N.

04/10/2024

It has been a positive experience in regards to the quality of service.

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Frances G.

03/31/2024

Excellent! Very quick and responsive. Everyone is so nice and makes everything easy!

Allstate