Safeshield Insurance - Lawrence Settembrini Coverage Review (v2)

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Safeshield Insurance - Lawrence Settembrini Coverage Review (v2)

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★★★★★

"Austin got us our GL, workers comp, and commercial auto placed in one week. Nobody else came close."

— Tony M., Electrical — Stamford CT

★★★★★

"Eric got our COI to the GC in 20 minutes. We've never had an agency turn certs around that fast."

— Danny R., Plumbing — Norwalk CT

★★★★★

"Switched our whole construction book. Austin found better coverage and saved us $14K annually."

— Marco S., General Contractor — Bridgeport CT

★★★★★

"Justin helped us get a last-minute COI for a job in Manhattan. Friday at 4pm. Had it before 5."

— Chris P., HVAC — Bronx NY

★★★★★

"We're a landscaping company with 12 trucks. Austin understood our exposures — inland marine, hired/non-owned, all of it."

— Ray L., Landscaping — Greenwich CT

★★★★★

"After 15 years with State Farm I finally switched. Better coverage for less money in one phone call."

— Kevin O., Homeowner — Stamford CT

★★★★★

"They set up our entire commercial package and had certs to our three biggest clients within 24 hours."

— Sam K., Roofing — Danbury CT

★★★★★

"Eric rewrote our workers comp and saved us $8K. First agent who ever explained class codes straight."

— Pete D., Masonry — Waterbury CT

★★★★★

"Austin got us our GL, workers comp, and commercial auto placed in one week. Nobody else came close."

— Tony M., Electrical — Stamford CT

★★★★★

"Eric got our COI to the GC in 20 minutes. We've never had an agency turn certs around that fast."

— Danny R., Plumbing — Norwalk CT

★★★★★

"Switched our whole construction book. Austin found better coverage and saved us $14K annually."

— Marco S., General Contractor — Bridgeport CT

★★★★★

"Justin helped us get a last-minute COI for a job in Manhattan. Friday at 4pm. Had it before 5."

— Chris P., HVAC — Bronx NY

★★★★★

"We're a landscaping company with 12 trucks. Austin understood our exposures — inland marine, hired/non-owned, all of it."

— Ray L., Landscaping — Greenwich CT

★★★★★

"After 15 years with State Farm I finally switched. Better coverage for less money in one phone call."

— Kevin O., Homeowner — Stamford CT

★★★★★

"They set up our entire commercial package and had certs to our three biggest clients within 24 hours."

— Sam K., Roofing — Danbury CT

★★★★★

"Eric rewrote our workers comp and saved us $8K. First agent who ever explained class codes straight."

— Pete D., Masonry — Waterbury CT

Your Contact Info On File

Name: Lawrence Settembrini · Email: lsett01@gmail.com · Phone: 203-981-4975 · Mailing: 145 Ridge Park Ave, Stamford CT 06905

Anything above changed since we last spoke?

Yes, something needs updating

What should we update?

Entity A — ALL SETT REALTY LLC

On file: Ownership — Larry 25%, spouse 25%, sister + her husband 50%. Properties held: 690 Broad St (6-family), 1274 E Main St D24 (condo), one additional condo.

Exact legal name as registered with CT Secretary of State *

Formation date *

Managing member *

Is there a written operating agreement? *

Yes No

Does this entity have employees or run payroll? *

Yes No

Entity B — ALL SET REALTY 151 LLC

On file: Ownership — Larry 50%, his sister 50%. Property held: 151 Ridge Park Ave.

Exact legal name as registered with CT Secretary of State *

Formation date *

Managing member *

Written operating agreement? *

Yes No

Employees or payroll? *

Yes No

Entity C — ALL SET REALTY 3 SEIR HILL LLC

On file: Ownership — Larry 100%. Property held: 3 Seir Hill Rd A2, Norwalk.

Exact legal name as registered with CT Secretary of State *

Formation date *

Written operating agreement? *

Yes No

Employees or payroll? *

Yes No

A Few Questions About the Overall Structure

Is there a separate property-management entity, or is each LLC self-managed? *

Do you use a third-party property manager at any location? If yes, name it. *

Any other LLCs or properties not listed above? *

Property 1 — 690 Broad St, Meriden CT 06450

Owner entity: All Sett Realty LLC · 6-unit apartment · Carrier: Vermont Mutual BOP BP11056645 (via Bouvier Insurance) · Term 3/23/2026–3/23/2027 · Building $1,283,744 · Ded $5,000 · Liability $1,000,000 · Premium $5,971 · Roof replaced 2024

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Year built *

Square footage *

Construction type *

Electrical: year last updated *

Any knob-and-tube or fuse panels? *

Yes No

Plumbing: year last updated *

Any galvanized or polybutylene plumbing? *

Yes No

Heating: type and year last updated *

Current occupancy: how many of the 6 units are rented? *

Any Section 8 or subsidized tenants? *

Yes No

Annual gross rents at this location *

Current estimated market value *

Exterior stairs, porches or decks? *

Has this property been tested or abated for lead paint? *

Any open code violations, housing court matters or municipal orders? (Y/N + detail) *

Snow and ice removal: in-house or contracted? If contracted, do you collect a COI? *

Do you require tenants to carry renters insurance? *

Yes No

Do you allow tenant dogs? Any breed restrictions? *

Upload rent roll / yearly revenue statement for this property *

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Drag & drop multiple files or click to browse. CASEY reads supported documents and keeps every original for review.

Property 2 — 151 Ridge Park Ave, Stamford CT 06905

Owner entity: All Set Realty 151 LLC · Single family rental · Carrier: State Farm rental dwelling, renews 6/15/2026 · Dwelling $520,200 + 10% ext · Ded 1% basic / 2% hurricane · Liability $300k/$600k · Premium $1,641

Upload documents for this property

📄

Drop in anything that helps

Drag & drop multiple files or click to browse. CASEY reads supported documents and keeps every original for review.

Year built *

Square footage *

Construction type *

Electrical: year last updated *

Any knob-and-tube or fuse panels? *

Yes No

Plumbing: year last updated *

Any galvanized or polybutylene plumbing? *

Yes No

Heating: type and year last updated *

Is the property currently rented? *

Yes No

Any Section 8 or subsidized tenants? *

Yes No

Annual gross rents at this location *

Current estimated market value *

Exterior stairs, porches or decks? *

Yes No

Has this property been tested or abated for lead paint? *

Any open code violations, housing court matters or municipal orders? (Y/N + detail) *

Snow and ice removal: in-house or contracted? If contracted, do you collect a COI? *

Do you require tenants to carry renters insurance? *

Yes No

Do you allow tenant dogs? Any breed restrictions? *

Upload rent roll / yearly revenue statement for this property *

📄

Drop in anything that helps

Drag & drop multiple files or click to browse. CASEY reads supported documents and keeps every original for review.

Property 3 — 1274 E Main St, Apt D24, Meriden CT 06450

Owner entity: All Sett Realty LLC · Condo unit, rented · Carrier: State Farm rental condo unitowners, 11/23/2025–11/23/2026 · Building property $30,700 · Loss assessment $25,000 · Liability $300k/$600k · Premium $161

Upload documents for this property

📄

Drop in anything that helps

Drag & drop multiple files or click to browse. CASEY reads supported documents and keeps every original for review.

Year built *

Square footage *

Construction type *

Electrical: year last updated *

Any knob-and-tube or fuse panels? *

Yes No

Plumbing: year last updated *

Any galvanized or polybutylene plumbing? *

Yes No

Heating: type and year last updated *

Is the unit currently occupied by a tenant? *

Yes No

Any Section 8 or subsidized tenants? *

Yes No

Annual gross rents at this location *

Current estimated market value *

Exterior stairs, porches or decks? *

Yes No

Has this property been tested or abated for lead paint? *

Any open code violations, housing court matters or municipal orders? (Y/N + detail) *

Snow and ice removal: in-house or contracted? If contracted, do you collect a COI? *

Do you require tenants to carry renters insurance? *

Yes No

Do you allow tenant dogs? Any breed restrictions? *

Condo association name *

Does the association's master policy cover the unit interior (all-in) or bare walls? *

All-in Bare walls Not sure

Do you serve on the association board? *

Yes No

Upload rent roll / yearly revenue statement for this property *

📄

Drop in anything that helps

Drag & drop multiple files or click to browse. CASEY reads supported documents and keeps every original for review.

Property 4 — 3 Seir Hill Rd, Apt A2, Norwalk CT 06850

Owner entity: All Set Realty 3 Seir Hill LLC · Condo unit, rented · Association: Silvermine Condominium Association, Inc. · Carrier: State Farm policy 97-BS-H552-4, 12/23/2025–12/23/2026 · Building property $12,120 · Personal property $40,400 · Loss assessment $25,000 · Liability $300k/$600k · Premium $171

Upload documents for this property

📄

Drop in anything that helps

Drag & drop multiple files or click to browse. CASEY reads supported documents and keeps every original for review.

Year built *

Square footage *

Construction type *

Electrical: year last updated *

Any knob-and-tube or fuse panels? *

Yes No

Plumbing: year last updated *

Any galvanized or polybutylene plumbing? *

Yes No

Heating: type and year last updated *

Is the unit currently occupied by a tenant? *

Yes No

Any Section 8 or subsidized tenants? *

Yes No

Annual gross rents at this location *

Current estimated market value *

Exterior stairs, porches or decks? *

Yes No

Has this property been tested or abated for lead paint? *

Any open code violations, housing court matters or municipal orders? (Y/N + detail) *

Snow and ice removal: in-house or contracted? If contracted, do you collect a COI? *

Do you require tenants to carry renters insurance? *

Yes No

Do you allow tenant dogs? Any breed restrictions? *

Condo association name *

Does the association's master policy cover the unit interior (all-in) or bare walls? *

All-in Bare walls Not sure

Do you serve on the association board? *

Yes No

We have $40,400 in personal property coverage on file for this rented unit — is that still correct? *

Yes, that's correct No, needs updating

Upload rent roll / yearly revenue statement for this property *

📄

Drop in anything that helps

Drag & drop multiple files or click to browse. CASEY reads supported documents and keeps every original for review.

Property 5 — The One We're Missing

You mentioned five rentals. We have four. This is the second condo held in All Sett Realty LLC — we don't have the dec page for it yet.

📄

Upload dec page for this property

Drag & drop or click to upload the declarations page

Property address *

Owner entity *

Property type and unit count *

Current carrier *

Policy number *

Policy term dates *

Premium *

Year built *

Square footage *

Construction type *

Electrical: year last updated *

Any knob-and-tube or fuse panels? *

Yes No

Plumbing: year last updated *

Any galvanized or polybutylene plumbing? *

Yes No

Heating: type and year last updated *

Is the unit currently occupied by a tenant? *

Yes No

Any Section 8 or subsidized tenants? *

Yes No

Annual gross rents at this location *

Current estimated market value *

Exterior stairs, porches or decks? *

Yes No

Has this property been tested or abated for lead paint? *

Any open code violations, housing court matters or municipal orders? (Y/N + detail) *

Snow and ice removal: in-house or contracted? If contracted, do you collect a COI? *

Do you require tenants to carry renters insurance? *

Yes No

Do you allow tenant dogs? Any breed restrictions? *

Upload rent roll / yearly revenue statement for this property *

📄

Drop in anything that helps

Drag & drop multiple files or click to browse. CASEY reads supported documents and keeps every original for review.

Your Personal Lines — On File

Home: 145 Ridge Park Ave. Farmers policy 6933917997, renews 9/23/2026. Dwelling $1,359,687, liability $300,000, $1,000 ded / 2% hurricane. Premium $5,048. Auto: Farmers policy 6933917990, renews 9/2/2026. 2018 Ford F150, 2018 Jeep Wrangler, 2024 Mazda CX-30. BI 250/500, PD $100k, UM/UIM 250/500. Premium $4,882.

Anything above changed?

Yes, something needs updating

What should we update?

📄

Upload any personal lines documents (dec pages, etc.)

Drag & drop or click to upload the declarations page

All Licensed Drivers in the Household *

That's Everything

Thanks for taking the time to fill this out — it lets us make sure every entity, property, and policy is properly covered.

Anything else we should know?

Your information is secure and will only be used to provide an insurance quote.

★★★★★

"I run 22 trucks across the tristate. Austin consolidated everything under one policy and the premium dropped."

— Jorge V., Trucking — Queens NY

★★★★★

"Austin saved me $700/year on auto and got better home coverage for half the price."

— Michelle T., Homeowner — Cos Cob CT

★★★★★

"Justin put together a life insurance plan that actually made sense. No pressure, just options."

— Brian W., Business Owner — Westport CT

★★★★★

"Their tech is unreal. All my policies, renewals, and certs in one dashboard. No other agency has this."

— Alex F., Property Manager — Manhattan NY

★★★★★

"We needed builder's risk same day for a closing. Eric made it happen. No drama, no excuses."

— Nick G., Developer — Stamford CT

★★★★★

"10 rental properties insured through Safeshield. Re-shopped every one and found savings on 8."

— Linda C., Real Estate — Norwalk CT

★★★★★

"They monitor our renewals 60 days out. Got a call saying they saved us $2K before renewal even hit."

— Steve H., Restaurant — Fairfield CT

★★★★★

"Eric walked us through our umbrella options like a teacher. Patient and genuinely cared."

— Diane M., Homeowner — New Canaan CT

★★★★★

"I run 22 trucks across the tristate. Austin consolidated everything under one policy and the premium dropped."

— Jorge V., Trucking — Queens NY

★★★★★

"Austin saved me $700/year on auto and got better home coverage for half the price."

— Michelle T., Homeowner — Cos Cob CT

★★★★★

"Justin put together a life insurance plan that actually made sense. No pressure, just options."

— Brian W., Business Owner — Westport CT

★★★★★

"Their tech is unreal. All my policies, renewals, and certs in one dashboard. No other agency has this."

— Alex F., Property Manager — Manhattan NY

★★★★★

"We needed builder's risk same day for a closing. Eric made it happen. No drama, no excuses."

— Nick G., Developer — Stamford CT

★★★★★

"10 rental properties insured through Safeshield. Re-shopped every one and found savings on 8."

— Linda C., Real Estate — Norwalk CT

★★★★★

"They monitor our renewals 60 days out. Got a call saying they saved us $2K before renewal even hit."

— Steve H., Restaurant — Fairfield CT

★★★★★

"Eric walked us through our umbrella options like a teacher. Patient and genuinely cared."

— Diane M., Homeowner — New Canaan CT

★★★★★

"COI to the GC in under 15 minutes. Every. Single. Time. Worth switching for if you're in the trades."

— Vinny A., Painting — Brooklyn NY

★★★★★

"Austin found gaps in my coverage I had no idea existed. For a high-value home, that matters."

— Robert K., Homeowner — Greenwich CT

★★★★★

"Old agent took 3 days for a certificate. Safeshield does it in minutes. Speed is money."

— Carlos R., Concrete — Yonkers NY

★★★★★

"Justin set me up with term life and disability. Sole proprietor — family needs to be covered."

— Mike T., Electrician — Trumbull CT

★★★★★

"Moved my restaurant's commercial package and liquor liability. Better coverage, lower premium."

— Anna P., Restaurant — Stamford CT

★★★★★

"He made me feel like a human being, not a policy number. All 4 of my businesses are here now."

— David N., Multi-Business — White Plains NY

★★★★★

"They shopped 73 carriers for our commercial property. We would've overpaid by $6K if we'd just renewed."

— Frank J., Property Mgmt — Bridgeport CT

★★★★★

"Eric handles our entire book. Whenever I need something, I text him and it's done. That simple."

— Sophia L., Client — Darien CT

★★★★★

"COI to the GC in under 15 minutes. Every. Single. Time. Worth switching for if you're in the trades."

— Vinny A., Painting — Brooklyn NY

★★★★★

"Austin found gaps in my coverage I had no idea existed. For a high-value home, that matters."

— Robert K., Homeowner — Greenwich CT

★★★★★

"Old agent took 3 days for a certificate. Safeshield does it in minutes. Speed is money."

— Carlos R., Concrete — Yonkers NY

★★★★★

"Justin set me up with term life and disability. Sole proprietor — family needs to be covered."

— Mike T., Electrician — Trumbull CT

★★★★★

"Moved my restaurant's commercial package and liquor liability. Better coverage, lower premium."

— Anna P., Restaurant — Stamford CT

★★★★★

"He made me feel like a human being, not a policy number. All 4 of my businesses are here now."

— David N., Multi-Business — White Plains NY

★★★★★

"They shopped 73 carriers for our commercial property. We would've overpaid by $6K if we'd just renewed."

— Frank J., Property Mgmt — Bridgeport CT

★★★★★

"Eric handles our entire book. Whenever I need something, I text him and it's done. That simple."

— Sophia L., Client — Darien CT

SAFESHIELD INSURANCE We Work For You. Not The Insurance Company.