Insuring Your Happiness, Ensuring Your Protection

Advice, understanding, and innovative insurance solutions geared toward protecting and preserving the lifestyle or business you've built

Click Here for information on how COVID-19 may temporarily impact your state(s)' insurance regulations, and your own obligations.

Got Mail? If you received mail from us you can easily request a formal consultation

 here or by calling!



We are a boutique risk advisory and insurance brokerage based in NJ & NYC, and licensed to be your broker in NJ, NY, CA, CO, CT, FL, GA, IL, NH, VA, VT, ME, PA and beyond!

Want To Get A Quote?

We make applying for quotes online through our site quick and painless.

Click here to get started



Let us craft a unique coverage solution to guarantee your home gets repaired or rebuilt in the event of a catastrophe 


Make sure your car is properly repaired or replaced for an agreed value if an accident occurs, and that diminution of value coverage is in place for your collector, exotic and antique cars


We can help provide affordable protection to make sure that your business or entire net worth are not at risk from being taken in a liability lawsuit


Your small business and employees need excellent coverage just like you and your family do. We work with carriers like the leading tech-driven small business insurance provider to craft solutions that perfectly suit your company's unique needs. Requests quotes right here!

Condos & Co-ops


Let us help you find coverage for the things your Condo Association or Co-Op can't protect

Art & Jewelry


Did you know that homeowner and condo policies limit coverage for most stolen and lost valuables? Let us review your current coverage to make sure that your most treasured belongings are properly covered


Client Testimonials

"Working with North Improvement has been a great experience for me. Not only is Hayden knowledgeable about the industry, but he actually cares about his clients. I feel comfortable knowing that Hayden will follow up with me proactively so that things never slip through the cracks."

- Ryan C., New Jersey (Commercial Insurance Client)

"Hayden is extremely responsive and helpful with all my family's insurance needs. I recommend North Improvement, LLC to anyone who is looking for a top notch organization!"

- Nicolas A., New York (Personal Insurance Client)

"Good pricing. great follow up, A1 service"

- Edward S., New York (Personal Insurance Client)



North Improvement, LLC was formed to present an offering to clients that is the perfect synthesis of insurance knowledge, modern technology and customer service.

We are a client focused insurance brokerage that puts ease of doing business and personal touch at the forefront of everything we do.


To be able to deliver our intended offering, we have worked with the top Agency Management System developer to build our business around apps that make accessing your insurance and filing claims quick and seamless, no matter where you may be when needs arise.   

Insurance may be a necessity, but we're built around the belief that it should not be boring or difficult to discuss, quote, buy or maintain coverage.



We believe that we do not deserve to have you as a client if we cannot make your life easier.

With this in mind, aside from making the quoting process seamless, once you purchase a policy through us you will be granted 24/7 digital access to your policies as well as given the ability to request policy changes, send in claim information and access certificates of insurance through our mobile app on your iPhone, Android device or our client facing website on your browser.



Co-Founder, President, Managing Member

During the half decade prior to co-founding North Improvement, LLC Hayden served in numerous roles of increasing authority at AIG subsidiaries Lexington and Private Client Group.

Within just four years of starting work with AIG as a temporary employee Hayden rose 7 levels to hold the dual titles of Senior Underwriter and National Cyber Expert.


In these dual roles Hayden was responsible for servicing and growing a book of over $21,000,000 in annual premiums while simultaneously educating the internal workforce and brokers on the rapidly evolving world of Cyber insurance. 

Outside of his insurance career Hayden is a self-taught App Developer who has personally developed and published 7 iPhone and iPad apps on the Apple App Store through his external entity Kopser Software, LLC.

Aside from insurance and app development work Hayden spends most of his free time staying fit, writing, reading, and staying up to date on his three obsessions, Auto Racing, Watches, and Professional Boxing.

Co-Founder, Member
Joseph J. Kopser is also a Co-Founder and Member of North Improvement, LLC, providing financial backing as well as support and advice on non-insurance related matters.
Outside of his investment in North Improvement, LLC, Joe is a New York City based Sales Director at a leading global technology company.


Want to see if we're the best advisor for you? In just 2 - 5 minutes you will be able to provide us enough information to apply for insurance on your behalf and obtain quotes from most carriers that we work with.

Select what type(s) of coverage you need below to get started:

Already Have Coverage? Request a Free Insurance Review & Risk Consultation


Need Urgent Help? Call Hayden directly for immediate assistance:

Need less urgent assistance and can't find answers on our website?



To learn about how we use and protect your data


please review our Privacy Policy


© 2020 North Improvement, LLC

  • Facebook