Commercial insurance · Contractors & farms

Insurance that moves as fast as your business does.

Certificates the same day you ask. One policy for the whole operation instead of five renewal dates. And when you call, the owner picks up — not a call center. That's how Micena Insurance works, and it's why roughly 3 of every 4 businesses we quote end up switching.

Get My Free Quote How it works

Free, no obligation — and if we can't beat what you've got, we'll tell you straight.

Same-day certificates of insurance
~75% of quotes we run, we win
$150K saved on a single account

A Northeast farm and work trucks at morning — the businesses Micena Insurance covers

COI turnaroundSame day — often within the hour

Commercial Auto Workers' Comp General Liability Umbrella Farm & Ag Packages

Sound familiar?

You didn't sign up to chase your own insurance agent.

Most business owners put up with this stuff for years because switching feels like a project. Here's what we hear on almost every first call.

“The GC needs my certificate today — my agent says Thursday.”

A missing COI can hold a crew off a job site. Waiting days for a piece of paper costs real money.

“I leave voicemails. Nobody calls back.”

Big agencies route you through a call center that has never seen your policy — or your job site.

“The premium climbs every renewal. Nobody explains why.”

You get a bigger number in the mail and a shrug. You deserve an honest walkthrough of what you're paying for.

“Five policies, five renewal dates, five bills.”

Trucks on one policy, liability on another, the barn on a third. It's a filing cabinet nobody should have to manage.

If even one of these hit home, get a free quote — it takes about two minutes.

Why businesses switch

A one-owner agency that runs at job-site speed.

Micena Insurance is built the old way — one principal who knows your account — with the speed your business actually needs today.

Same-day certificates

A GC won't let you on the job without a COI. Need an umbrella added to win a bid by Friday? We turn certificates around same-day — often within the hour.

You talk to the owner

No ticket numbers, no “your call is important to us.” Brian knows your account because it's his agency and his name on it.

Direct line to underwriters

We're agents, not middlemen. When something needs an answer, we get an underwriter on the phone while other shops are still waiting on a callback.

Pricing that wins

Roughly 3 of every 4 businesses we get to quote end up switching. We can't promise a number — but we'll give you an honest one, fast.

One policy, one renewal

Trucks, liability, workers' comp, the umbrella — consolidated into coverage you can actually keep track of, without per-vehicle caps.

Farms are a specialty, not a sideline

House, barns, machinery, and liability on one package — across multiple properties. We insure some of the largest farm operations in the region.

Who we serve

Built for the people who build, grow, and haul.

Contractors & trades

HVAC, electricians, plumbers, carpenters, landscapers, painters — operating businesses with crews, trucks, and deadlines. If a slow broker or a missing certificate has ever held up a job, that's exactly what we fix.

Commercial auto & fleet — no per-vehicle caps
Workers' compensation
General liability & umbrella
Certificates the same day the GC asks

Farm & agriculture

Beef, dairy, vegetable, and equine operations. Tired of a homeowners policy that excludes the farm, plus separate coverage for the barns and the machinery? We write one package that covers it all.

Farm liability & operations
Dwelling, outbuildings & barns
Equipment & machinery
Multiple properties on one policy

Also writing retail, offices, and most commercial lines. Not sure if you're a fit? Ask us — it takes two minutes.

The numbers

We'd rather show you the pattern than make you a promise.

Every operation is different and savings vary — but this is what keeps happening when businesses let us quote.

$400K → $270K

One account, rewritten. About $150,000 a year back in the owner's pocket.

~75%

Of the businesses we get to quote end up switching. The hard part is the at-bat.

Same day

Certificate turnaround — often within the hour — so the job never waits on paper.

Figures reflect actual past accounts and are shown as examples. Savings depend on your operation, history, and coverage — we can't promise a specific number, only an honest look.

One policy that covers every single thing on your property — the house, the outbuildings, the machinery, the liability. Multiple properties? We add them all on.

— Brian Micena, Principal, on why farm owners stop juggling policies

Brian Micena, Principal of Micena Insurance — **Brian Micena** Principal · Micena Insurance

Meet Brian

Your account isn't a file here. It's my name on the door.

I'm Brian Micena. I've spent years insuring contractors and farm operations across the Northeast — from one-truck outfits to farms trusted with some of the biggest operations in the region. My clients stay because when something comes up, they call me and I answer.

If you send me your current coverage, I'll shop it personally and tell you the truth: sometimes that's “I can save you real money,” and sometimes it's “stay where you are.” Either way, you'll know where you stand — usually within a day or two.

— Brian Micena, Principal

Request My Free Quote

1 owner who picks up the phone
2 specialties: contractors & farms
75% of quotes we run, we win

How it works

Switching is a two-minute decision, not a project.

Most owners stay overinsured and overcharged because changing agents sounds like paperwork. It isn't — we do the heavy lifting.

Tell us about your business

Two minutes on the form below. No commitment, no pressure — just the basics so we know where to start.

Brian shops it personally

We review your current coverage, go straight to the underwriters, and put together an honest side-by-side.

We handle the switch

Paperwork, document requests, the awkward goodbye to your old broker — we take care of all of it. You just say the word.

Get My Free Quote

Our promise: if we can't do better than what you have, we'll tell you to keep it.

Questions, answered

The things owners ask before they switch.

I already have an agent. Is it really worth looking?

That's exactly who we work with — about three out of four businesses we quote end up switching, and the ones who don't at least learn their current deal is fair. The review is free and takes minutes. If your coverage is good, we'll say so.

What do you need from me to run a quote?

Your current declaration pages (the summary sheet of each policy) and, for some lines, loss runs from your current carrier. Don't worry if you don't know where those live — we walk you through it and handle the requests with you.

How fast can I get a certificate of insurance?

Same day, often within the hour. Certificates are one of the main reasons contractors move to us — a job should never sit idle waiting on a piece of paper.

What kinds of businesses do you write?

Our specialties are contractors and trades (HVAC, electrical, plumbing, carpentry, landscaping, painting) and farm/agricultural operations of every kind. We also write retail, offices, and most other commercial lines — ask and we'll tell you straight.

Will my information get sold or blasted with spam?

No. Your request goes to a licensed agent — Brian — and nowhere else. We're trying to earn your business, not sell your phone number.

Get a quote

Two minutes now. A better policy later.

Tell us a little about your business and we'll get back to you fast — usually the same day. No call centers, no pressure. Just an honest look at whether we can do better than what you've got.

Brian reviews your request personally
We tell you straight if we can save you money
Your information stays private — always