Birtwhistle & Livingston has been in the insurance industry since our beginnings in Englewood, New Jersey in 1892. Whether working with individual policy holders or large public or private institutions, our hallmark has always been personal relationships with clients. We function as our clients' advocate when placing business with an insurance company for the first time, initiating changes in existing coverages, or responding to loss. We represent or have direct access to all major insurance companies and alternative markets. We have the skills and long experience to help clients identify risks, customize policies for each unique situation, and choose the carrier that best balances protection with price. Insurance divisions: Business Insurance Medical Malpractice Personal Lines