Independent. Family-Owned. Built on Real Relationships.
Our Story
Kalare Insurance was founded on a simple idea: insurance works best when it’s handled by people who actually know your business — not a call center, and not a single carrier’s sales script.
The agency is co-owned by Gabriel “Gabey” Sanchez and Carlos Sanchez, a father-son team combining hands-on agency service with decades of financial services experience. Carlos brings a 40-year background in banking and financial services to the table, giving clients a level of financial literacy and risk perspective that goes beyond a standard insurance conversation.
As an independent agency, we’re not limited to one carrier’s products or appetite. We have access to a wide range of standard markets, wholesale partners, and excess & surplus lines — which means when a client’s risk doesn’t fit a typical box, we still have a path to get it covered properly.
What Sets Us Apart
We learn your business, not just your industry code.
Two businesses in the same industry can have completely different risk profiles. We take the time to understand how you actually operate before we start shopping coverage — because a policy that looks right on paper isn’t the same as one that’s right for you.
We go where standard markets won’t.
When a risk is too complex, too new, or too specialized for a standard carrier, we have direct relationships with wholesale and E&S partners to find a path forward — not a decline letter.
We treat you like a relationship, not a transaction.
Insurance isn’t something you buy once — it changes as your business grows. We stay involved after the policy is bound, not just during the sale.
Licensed States
Kalare Insurance is licensed to do business in New York, New Jersey, Connecticut, Pennsylvania, and Florida.
Meet the Team
Gabey Sanchez
Vice President & Insurance Specialist
Carlos Sanchez
President & Founder
(Full bios coming soon)