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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A Team of Workers Compensation & Alternative Risk Transfer Specilaists



Welcome !


how about a quick


Please ' Take 5 ' - 6 or eveN 7 to randomly play any or all of the audio clips below - 

to the video banner above & please enjoy !

*Tech NoTE: If the the Video Doesn'T Launch, Please RefResh the Page,'s definately TherE ! 

                  2 minutes each


ThE Initiative


Q: When is Budgeting & Paying Insurance Premiums ever exciting ?

A: When your Insurance Program becomes a " work of ART " !  


               "  Sunrise over the rooftops "    Eugene Jansson   1868

             "  Sunrise over the rooftops "    Eugene Jansson   1868


Alternative Risk Transfer programs



Masterfully described below:


“ When a Client seeks to capture the underwriting profits and investment income, normally gained by the Insurer,

we can provide such a Program in the most tax efficient manner.”



 Steven C. Nordstrom

CEO of UniRisk



Due Diligence


Q: When is Taking Part in The Risk worth The Potential Gain for reward ?


A: When a Client Has good to excellent Claims History & Performance 

They qualify to Benefit From forming their own Insurance company.


*This endeavor can be achieved by creating a Parent Captive or a Segregated Cell Captive.

There are many advantages in choosing the Segregated Cell Captive, and they are far easier to implement.



Action Step


Q: ARE These Alternative Risk Transfer options Readily AVAILABLE ?


A: If the Math & customized Feasibility Study say ' Yes ' ~ Absolutely. 



*To inquire if aN ART Program to Harvest Underwriting Profits and Investment Income

can be implemented FOR your Corporation or Association -



*Please Click on the Grilled Peach & Blackberry Cobbler Below




“ 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, NY. 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 maintains 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.

We welcome you to allow us to pursue the best possible end results for your entity, and it is our sincere hope and desire to become an intimate and trusted Partner to those that choose to engage with our Agency team and their talents.