Auto
The state minimum protects the other driver. We protect you.
Liability set to protect your assets, not meet the minimum. Lease and finance requirements verified before delivery.
LiabilityLease & financeEvery driver
Sardex Insurance Brokerage — Independent Private Client
Coverage built to hold up when it matters.
We audit your risk before we place any coverage. No call centers. No generic policies. One broker accountable for your entire portfolio.
Independent. Direct founder access.
Carrier access
Independent means leverage.
We don’t work for one carrier. We place your coverage across private-client specialists, national A-rated carriers, and specialty markets — and we choose based on your risk, not our quota.
- Private-client specialists
- National A-rated carriers
- Placed on your risk — not a quota
- ChubbFeatured access
- TravelersFeatured access
- The HartfordFeatured access
- HanoverFeatured access
- CNAFeatured access
- Liberty MutualFeatured access
- AonEdge
- Coalition
- ePremium
- Foremost
- Goldleaf Surety
- Hagerty
- Jewelers Mutual
- Lemonade
- MiddleOak
- Philadelphia Insurance
- Plymouth Rock
- Private Client Select
- Progressive
- Propeller
- RLI
- Roamly
- RT Specialty
- Selective
- Steadily
- And moreWholesale & specialty partners for complex risks
Carrier availability varies by risk, state and eligibility. Placement is based on your needs.
Request a Coverage AuditOur standard
Most brokers sell policies. We audit risk.
A quote is easy. A correct policy is not. We start by reading every page of your current coverage — home, auto, umbrella, flood, business — and marking exactly where you are exposed. Then we rebuild it to match what you actually own and how you actually live.
Exposure audit
Limits, exclusions, rebuild cost, lease requirements, flood gaps. Marked in writing.
Rebuild, not renew
Coverage sized to replacement cost and real liability, not to last year’s premium.
One file, one broker
Your home, cars, rentals, and business in one coordinated file. No gaps between policies.
On a deadline
Buying, leasing or closing?
Give us the date. We audit what you need and work to your timeline — before you take delivery, sign at closing or hit renewal.
Coverage
Built for what you own.
Personal and commercial coverage, audited and placed as one portfolio.
Home, Condo & Co-op
Insured for what it costs to rebuild. Not what you paid.
Sized to rebuild cost, not purchase price. Custom finishes and rising construction costs accounted for.
HousesCondos & co-opsReplacement cost
Flood
Flood is excluded from homeowners policies. We don’t assume.
Flood is excluded from homeowners policies. We check NFIP and private market. No assumptions.
NFIPPrivate floodExcess flood
Umbrella & Valuables
A serious claim doesn’t stop at your policy limit.
Excess liability above home and auto. Jewelry, art, collections at appraised value. Watercraft covered properly.
Excess liabilityValuablesWatercraft & RV
Rental Property
A rental property needs a landlord’s policy, not a homeowner’s.
One-to-four-family to apartment and mixed-use buildings. Rental income protected.
One to four familiesApartment buildingsRental income
Business
Business coverage, coordinated with everything else you own.
Liability, property, commercial auto, executive risk. Coordinated with your personal portfolio.
Liability & propertyCommercial autoExecutive risk
Private client
Private client. By design.
Private-client service isn’t a tier you qualify for. It’s how every file is handled, whether you’re insuring your first leased car or a portfolio of homes and businesses: read line by line, coordinated across every policy, and owned by one broker who knows it cold.
Request a Coverage Audit- Annual coverage reviewYour file is revisited every year, before it renews.
- Direct founder accessYou speak with the person responsible for your coverage.
- Claims advocacyWe are on your file, not a 1-800 line.
What to expect
The audit, in writing.
Send your policies.
We’ll arrange a secure way for you to share your current declarations.
Receive a one-page exposure report.
What’s solid, what’s exposed, what we’d change and why.
You decide.
Keep, fix, or move. The report is yours.
No obligation to switch. The audit is the service.
Find out where you’re exposed — before a claim does.
Send your current policies for a complimentary coverage audit. You’ll get a clear, written answer on where you stand.
Request Your Audit