Built for Businesses That Deserve Better Coverage
Insurance with experience, heart, and hustle
A Local Insurance Team That Gets It
Since 2012, we’ve helped businesses across New York, New Jersey, Connecticut, and Pennsylvania navigate the complex world of commercial insurance. We started with one mission: to make insurance easier for companies that have been overlooked, overcharged, or misunderstood.
Whether you're in construction, retail, trucking, or healthcare, we work hard to understand your business and recommend policies that fit. We don’t just sell coverage, we solve problems.
Why We Do What We Do
We’ve seen too many business owners get stuck with the wrong coverage or no help at all. That’s why we specialize in workers’ comp and high-risk commercial policies — the kinds other brokers walk away from.
Whether you’re in Newark, Jersey City, White Plains, Stamford, or Philadelphia, our approach stays the same: hands-on, honest, and grounded in decades of combined experience. We take the time to explain the fine print, fight for better rates, and keep your coverage compliant as your business grows.
Real Coverage. Real People. Real Results.
We believe insurance is still a relationship business. Our clients come to us for answers, not forms. They stay with us because we make things simple, we’re available when they need us, and we actually pick up the phone.
From fast quotes to claim support and audit guidance, we’re here to be a long-term partner — not just a vendor.
What Business Owners Ask Us Most
Do you only handle workers’ comp?
No. While workers’ comp is our specialty, we also provide general liability, commercial auto, property, professional liability, and group health & life coverage.
Can you help if another broker already told me no?
Yes. That’s actually what we’re known for. We help businesses that have been denied, dropped, or classified as high-risk find affordable, reliable coverage.
Are you local to my state?
Yes. We have offices in New York City, Huntington (Long Island), and Wilton, Connecticut. We’re fully licensed in New York, New Jersey, Connecticut, and Pennsylvania — and we understand the rules, risks, and rate structures unique to each one.
Will I talk to a real person?
Yes. Every quote, every call, every review is handled by a licensed insurance professional on our team. No bots, no call centers, no pushy sales talk.
The People Behind the Policies
Over 40 years of experience guiding businesses like yours
Enforce Coverage is led by two insurance professionals with deep roots in workers' compensation and commercial insurance. Together, they bring over four decades of industry insight, hands-on problem-solving, and dedication to helping businesses across New York, Connecticut, and New Jersey get the protection they need — especially when others say it can’t be done.
Patrick Ryder
Managing Partner
Patrick Ryder oversees new business acquisition and client relationships at Enforce Coverage. With a career that began in 1998 at First Cardinal Corporation, he quickly advanced into leadership roles, including founding the Hayes-Ryder Group. Patrick brings a sharp understanding of complex risk and a relentless focus on helping clients find practical, affordable solutions — especially in high-risk industries and tough-to-place cases.
Patrick Scanlon
Managing Partner
Patrick Scanlon manages daily operations and back-office strategy while also leading Scanlon Risk Management Group (SRMG) as founder and CEO. Since launching his career in 2001 with First Cardinal Corporation, he has built a track record of profitable workers’ comp portfolios and strong broker-carrier relationships. Patrick remains closely connected to First Cardinal and supports their CPA marketing initiatives — a testament to his long-term commitment and industry respect.
Let’s Talk About Your Coverage Goals
Whether you’re reviewing your current policies or starting from scratch, our team is here to help. We’ll walk you through your options, get you a quote, and give you answers you can trust — without pressure or wasted time.