Lupton & Luce Inc
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Lupton & Luce Inc

Independent Insurance Agent in Riverhead, NY

About us

Sound Advice for Sound Decisions

Lupton & Luce, Inc. is a full-service, independent insurance agency providing auto, home and business insurance in Riverhead and throughout Suffolk County since 1939. We're proud to be a second generation, family-owned business. Our roots are well-established in our community and we understand the value of looking after our neighbors.

As a full-service insurance agency we can assist you, your family, your employees, and your business by providing the best possible protection at the lowest possible price. We offer a complete array of personal and commercial insurance including boat, motorcycles, condos, renters, workers comp, liability, cyber, emergency services, contractors, B&B's, and more. As your independent agent, we work for you to provide Sound Advice for Sound Decisions.

It is our mission to provide you with the very best-quality coverage, friendly personal attention and service, and prompt, fair claims service.

    Personal and Commercial Lines insurance experts

    Ask me about these types of insurance...

    An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

    Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

    If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

    An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

    Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

    Hotel insurance is a very specific type of business insurance that's been tailored to meet the unique coverage needs of your business. Talk to an independent agent.

    Why choose Lupton & Luce Inc

    States we serve

    • Connecticut
    • New Jersey
    • New York

    Our insurance coverages

    Personal insurance coverage

    • Automobile
    • Boat
    • Builders Risk / Construction
    • Collectible Auto
    • Condo
    • Earthquake
    • Farm
    • Flood
    • Home
    • Identity Fraud
    • Landlord
    • Mobile Home
    • Motorcycle
    • Other
    • Personal Watercraft
    • Pet
    • Renters
    • Short-Term / Sharing
    • Snowmobile
    • Special Event
    • Travel Trailer
    • Umbrella
    • Vacant Land
    • Valuable Items

    Business insurance coverage

    • Bonds
    • Builders Risk
    • Business Owners Package (BOP)
    • Business Vehicle
    • Contractors Equipment
    • Cyber Liability
    • Employment Practices Liability
    • Errors & Omissions
    • General Liability
    • Inland Marine
    • Other
    • Professional Liability
    • Property
    • Umbrella / Excess
    • Workers' Compensation

    Life & Annuties coverage

    • Annuities
    • Disability Income
    • Life
    • Long Term Care

    Industries we serve

    • Accommodation and Food Services
    • Administrative and Support and Waste Management and Remediation Services
    • Agriculture, Forestry, Fishing and Hunting
    • Arts, Entertainment, and Recreation
    • Construction
    • Educational Services
    • Finance and Insurance
    • Health Care and Social Assistance
    • Information
    • Management of Companies and Enterprises
    • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
    • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
    • Manufacturing - Wood / Paper / Paper / Mining / Plastics
    • Mining, Quarrying, and Oil and Gas Extraction
    • Other Services (except Public Administration)
    • Professional, Scientific, and Technical Services
    • Public Administration
    • Real Estate and Rental and Leasing
    • Retail - Sporting Goods / Hobby / Music / General / Misc.
    • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
    • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
    • Transportation and Warehousing
    • Utilities
    • Wholesale Trade

    Recommended insurance company partners

    Other companies we work with:

    AIX Group Incorporated, Aegis General, Allegheny Cas Co, Allstate, AmTrust Financial, AmWINS Group, American Integrity Insurance, American Modern, Arch Insurance Company, Bankers Life & Casualty, Chubb, Farmers Alliance, Farmers Insurance Company, Hagerty, Hartford Steam Boiler, Interboro Insurance Company, K&K Insurance Group, Lexington Insurance Co, Lloyd's, Markel Specialty, Maryland Automobile Insurance Fund, McNeil & Company, Merchants Insurance Group, MetLife Auto & Home, NIP Group, Narragansett Bay, National General Insurance (GMAC), Philadelphia Insurance Companies, RPS, Scottsdale Insurance Company, Security National Insurance, ShelterPoint, Swyfft Insurance, TAPCO, United States Liab, Utica First Insurance Company, Utica National Insurance, Velocity Risk Underwriters, Vindati, Wright Flood, Zurich North America

    Lupton & Luce Inc Team

    Hallock Luce - President
    Hallock Luce
    (631) 727-4114
    Michael Luce - Sales Executive
    Michael Luce
    Sales Executive
    (631) 727-4114
    Kenneth Rendeiro - Sales Executive
    Kenneth Rendeiro
    Sales Executive
    (631) 727-4114
    • CIC
    Mark Patrick - Sales Executive
    Mark Patrick
    Sales Executive
    (631) 727-4114
    Raymond Ricca - Sales Executive
    Raymond Ricca
    Sales Executive
    (631) 727-4114

    Lupton & Luce Inc Reviews

    Average based on 12 reviews Leave a review

    Customer Reviews

    December 27, 2021

    Ray is amazing and I will be referring him to my friends and family. He is very professional and on top on his game. Plus he saved me over $100 a month!!

    December 27, 2021

    I have worked with Lupton & Luce for many years. First as a commercial broker & then personally. Not only are they extremely professional but their goal is to make securing insurance a pleasant experience. They always go the extra mile willingly.

    December 27, 2021

    Mark's knowledge and friendly mannerism went above and beyond my expectations. He was readily available for questions and answered them professionally and with respect. I highly endorse Mark.

    December 27, 2021

    Mark Patrick and Danielle are simply the best. Ive had Lupton & Luce for personal and business insurances for years, and I woud not go anywhere else. Personal and professional with 100% integrity. Excellent service. Impossible to beat this team!

    December 27, 2021

    Ray is phenomenal! I bought my first ever renters insurance policy from Ray after doing an in depth search for a trustworthy agent. Ray explained every single coverage/option thoroughly and in a way that was easy to understand. He provided his undivided attention during our conversation and answered every question I had. He made it simple and painless. Very happy to have found a knowledgeable and reliable agent.

    December 27, 2021

    The people and service are great. Michael Luce is always helpful and gets back to you within 24 hours

    December 16, 2021

    Ive had my business insured through Lupton and Luce since 2009. Everyone, Pam and Ken especially, is a pleasure to work with and always there to help. Highly recommend Lupton and Luce.

    October 5, 2019

    The people at Lupton & Luce handled my claim professionally and thoroughly

    October 5, 2019

    From start to finish the entire experience was awesome - so understanding and expedient. Thank you - this is why we have been with your agency for so many decades

    October 5, 2019

    We continue to recommend Lupton & Luce to all our friends, relatives, and neighbors.


    Lupton & Luce Inc

    Sound Advice for Sound Decisions