Agency website
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.
What our clients are saying
"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!!"
"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."
"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."
"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!"
"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."
"The people and service are great. Michael Luce is always helpful and gets back to you within 24 hours "
"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."
"The people at Lupton & Luce handled my claim professionally and thoroughly"
"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"
"We continue to recommend Lupton & Luce to all our friends, relatives, and neighbors."
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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 AmericaLupton & Luce Inc Team
Lupton & Luce Inc Reviews
Customer Reviews
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!!
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.
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.
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!
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.
The people and service are great. Michael Luce is always helpful and gets back to you within 24 hours
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.
The people at Lupton & Luce handled my claim professionally and thoroughly
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
We continue to recommend Lupton & Luce to all our friends, relatives, and neighbors.
