Homeowners Insurance

Contractors Insurance

Apartment/Dwelling Insurance

Liquor Liability Insurance

Vacant Property Insurance

Commercial Umbrella/Excess Insurance

Restaurant/Bar Insurance

Professional/E&O/ Cyber Insurance

Cannabis Insurance

Management Liability/EPL Insurance

Since 1998 S & H Underwriters, Inc. has been a family-operated MGA and surplus lines broker.  In September of 2021, S&H sold to XPT Specialty LLC.  Partnering with XPT, we have provided many new carrier relationships which has greatly broadened our capacity to service our retail agency partners with superior insurance products.   We service retail agents for Excess, Surplus Lines and Specialty Insurance throughout the Northeast as our focus but have capabilities to write business in all of the United States, excluding Alaska.

At XPT: S&H, we specialize in relationships with our retail agents. These relationships are what make us such a success. We appreciate your business and good solid relationships with our agents, which means high-hit ratios, hassle-free prompt service, competitive quotes and knowledgeable advice.

Throughout the years, we have maintained a strong position in Personal Lines Insurance, in addition to Commercial and Surplus Lines representation with many binding authority contracts with commercial carriers. These allow us to give the most competitive quotes with "A" and "A+" rated carriers. Our long-term and profitable relationships with our companies have allowed for increased flexibility with a wide variety of available markets.

Meet The Team

betty sikora top insurance broker

Betty Sikora, CPIW

Regional Executive Vice President

patrick sikorka top insurance broker

Patrick Sikora

Executive Vice President

tammy McCullough top insurance broker

Tammy McCullough, CPIW, CLP

Senior Underwriter/Broker

linda pinardi top insurance broker

Linda Pinardi, AU

Policy Services Manager

haylee covey top insurance broker

Haylee Covey

Senior Underwriter Personal Lines/Team Lead

matt curtis top insurance broker

Matt Curtis, AINS, AIC-M

Accounting Manager

gabrielle roberts top personal lines insurance underwriter

Gabrielle Roberts

Senior Underwriter Personal Lines

matthew burr headshot - S&H Underwriters MGA and surplus lines broker

Matthew Burr

Senior Underwriter/Broker

liz ketchum headshot

Liz Ketchum

Senior Underwriter/Broker

kristen melvin headshot

Kristen Melvin

Commercial Lines Underwriter/Broker

shelby campo headshot

Shelby Campo

Commercial Lines Underwriting Assistant/Policy Services

Holly Oppenheimer headshot

Holly Oppenheimer

Senior Underwriting Assistant, Commercial Lines

maryBeth mangopoulos headshot

MaryBeth Mangopoulos

Senior Underwriting Assistant, Commercial Lines