V.M.O. & Associates Inc. is a professional team with ample experience on Insurance, benefits and risk management programs.  We help employers to formulate and implement benefit strategies which reflect corporate objectives, meet financial requirements and satisfy employee's needs.  We as a brokerage firm are the liaison between our customers and the insurance companies on their health, life, disability, liability, property and casualty needs.


With our experience and as an independent company, we choose from a wide variety of products that enable our customers to achieve their goals.  We provide effective supporting tools and reports for the ASO evaluation, monitoring and negotiation.  This translates in well informed choices to guarantee our clients satisfaction.

Insurance Is a Matter of Trust

Individual needs

Life is filled with unforeseeable events, such as a fender-bender on the way to work or sudden water damage at home. In these situations, it's important to know that you can rely on your insurance policy to protect you and your family.


As an independent brokerage firm, V.M.O. & Associates, Inc. helps you find insurance solutions tailored to your individual needs. We draw from a vast pool of personal, property and commercial insurance policies.


We invite you to explore our comprehensive consulting services and get to know our competent and friendly staff.



Condominiums have unique insurance needs.


-Fire or Lightining










Health Insurance Benefits.  We take into consideration actuarial and risk managemetn evaluations from group medical information and statistical data in order to develop a complete group profile.


Government Agencies

We perform all the duties of a Producer for Property and Casualty and Surplus Line Insurance.  Our experienced team has been licensed and has the appropriate knowledge of insurance markets, insurance laws and regulations. 



Featured insurance policies

Health insurance


Accidents or illness can take place at the blink of an eye, but the consequences can be far-reaching and may include prohibitive medical bills or disability. Be sure that your health insurance has you covered.

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Overview of personal insurance policies

Personal liability insurance


Personal liability insurance is one of the most important policies you can own. Find out what sort of coverage your policy should provide.

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Commercial property insurance


Fire, storm, water damage your commercial real estate is vulnerable to many risks. We'll help you determine your coverage requirements.

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Overview of commercial insurance policies

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