Contact Us

Please use this form to contact us by email.

Or please feel free to call our Office at: 

914. 428. 3200  or  800. 434. 3566


823 Main street


Insurance Specialists to Staffing Firms & PEOs

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An Agency Team of Workers Compensation Coverage Specialists





Q: When is The Risk worth the reward ~ when is the reward worth the effort ?


A: When aN Entity Has good to excellent Claims Performance and can qualify to Benefit from their annual Premium Spend




Q: is this DOABLE ?


A: If the Math Proves Positive ~ Absolutely 



To Inquire if Premium efficiencies & Profits can be Harvested From the annual expense of your entity's Workers compensation coverage 


click on the Carrera



Mission Statement


Providing High Value Workers Compensation & Commercial Insurance coverage

Paired with

Relentless Client Services



Specializing in

Workers Compensation - Large Account 

Commercial Insurance & Group Health plans for Staffing Firms & PEOs 

Commercial Real Estate Portfolio covers



FlexPay - A Premium Financed ' Pay as you Go ' Program for Workers Comp 

High Deductible Buy Back Programs

Captive Program Designs 




“I’m convinced that about half of what separates the successful entrepreneurs from the non-successful ones is pure perseverance.” – Steve Jobs


“When you’re a carpenter making a beautiful chest of drawers, you’re not going to use a piece of plywood on the back, even though it faces the wall and nobody will see it. You’ll know it’s there, so you’re going to use a beautiful piece of wood on the back. For you to sleep well at night, the aesthetic, the quality, has to be carried all the way through.” – Steve Jobs


About us

Kalayjian Oaks & Associates has been helping both Individuals and Businesses with their coverage needs since 1965 when Charles Lowenfeld partnered with Leon Kalayjian and Lowenfeld & Kalayjian was established in Scarsdale NY. In 1993 Mr. Kalayjian partnered with Alan Kligerman to launch Kligerman & Kalayjian in White Plains. In 2007 Leon  H. Kalayjian and Stephen M. Oaks partnered with Mr. Kalayjian to expand the Agency into new directions of Client engagement. Now in its second generation and 50th year, our boutique Agency incorporates a culture of efficiency and genuine sense of purpose in our daily performance. It is our sincere privilege to provide innovative solutions for Our Clients' needs in the way of their Personal/Commercial Insurance, Group Health & Benefits and Retirement Income plans.

We welcome you to allow us to pursue the best possible end results in your best interest, and it is our sincere hope and desire to become an intimate and trusted Partner with the Clients that choose to engage with our Agency team and specialist Associates.