David Ernstam Financial & Insurance Services, Inc. is a full service insurance agency serving the needs of businesses since 1983. As Employee Benefits Programs continue to be more complex, the need for a genuine partnership with an Employee Benefits Broker has become extremely important. At David Ernstam Financial & Insurance Services, we value this partnership with all businesses. We are committed to evaluating, implementing and servicing Employee Benefit programs that support employee recruitment and retention, and meet the specific needs of each individual client. Our immediate objective is to guide you through the process of picking your Employee Benefits program and adequately conveying the complete details to your employees.