About Cardinal Insurance Advisors
An independent agency based in Selden, NY. We work for you, not one insurance company, comparing carriers and sticking around after you sign.
Meet Zaber Nahiyan
Zaber holds both a New York State Life License and a Property & Casualty License, so your home, auto, business, and life coverage all get reviewed by one advisor who sees the whole picture. Beyond insurance, he is an IRS Enrolled Agent (EA), a Certifying Acceptance Agent (CAA), a New York State Notary Public, and the Principal Tax Advisor at TaxOnTrack, a cross-disciplinary background in tax, compliance, and insurance that clients rely on for more than just a policy.
A Question We Kept Hearing on Weekends
Before Cardinal Insurance Advisors existed, Zaber Nahiyan kept hearing the same question from clients on weekends: “Where do I go for insurance?” Their carrier was closed, and the number on the bill led to a call center, not a quote. Zaber got licensed as a New York life and P&C broker to close that gap, so there is always a real person who picks up the phone.
Clients come to us tired of scripted sales calls. What they want is someone who will shop the market honestly and tell them the truth about what they’re paying for.
Our Values
Independence
We work for you, not one insurance company
Honesty
Straight answers, never a sales script
Integrity
Do right by the client, even when it costs us a sale
Accessible
A real person answers the phone, every time
Committed
Here for renewals and claims, not just the sale
About Working With Us
What is the difference between an independent broker and a captive agent?
A captive agent sells policies from one insurance company. An independent broker, like Cardinal Insurance Advisors, compares policies from multiple carriers and represents your interests, not one company's sales quota.
Is Cardinal Insurance Advisors a licensed New York agency?
Yes. Cardinal Insurance Advisors Inc holds NY Department of Financial Services Broker License BR-1997810 for property, casualty, personal lines, and baggage coverage.
Does Zaber handle both insurance and tax matters?
Yes. Zaber holds NY life and P&C insurance licenses and is also an IRS Enrolled Agent and Certifying Acceptance Agent through TaxOnTrack, though insurance and tax work are handled separately.
How long has Cardinal Insurance Advisors been in business?
Cardinal Insurance Advisors was founded by Zaber Nahiyan after years of hearing from clients who couldn’t reach a real person about their coverage, growing out of his existing work in the Selden community.
Will I work directly with Zaber, or get passed to someone else?
You work directly with Zaber. There is no call center or account handoff, he is the broker who answers your calls and manages your policy.
We stay with you after the policy is signed, through claims, renewals, and rate changes.