Nicholas Khamarji
Principal & Independent Insurance Advisor, New England Insurance — Bridgeport, Connecticut
Nicholas Khamarji is an independent insurance advisor with 15 years in the industry. He founded New England Insurance in 2012, placing complex commercial risks with wholesale and surplus lines markets, spent three years managing enterprise relationships at ACORD, the insurance industry's data standards body, and now builds technology that makes insurance work better for the people on every side of it. He writes the coverage guides on this site.
About Nicholas Khamarji
Nicholas started New England Insurance in Connecticut and built it into an independent commercial property and casualty brokerage. He owned the full client lifecycle — prospecting, needs analysis, coverage structuring, submission, negotiation, placement, servicing and renewals — and specialized in the placements that don't fit a standard form: commercial fleets and trucking, workers' compensation, EPLI, private client and specialty lines. He also established an insurance premium finance company alongside the brokerage.
From 2019 to 2022 he managed enterprise relationships for ACORD's SaaS and data standards products, working directly with carriers, brokers and technology partners to move them onto standards-based workflows. That work is why he reads a policy and an underwriting submission the way both the broker and the carrier will. In 2025 he joined the ACORD Cyber Liability Working Group, which is developing data standards for exchanging cyber risk information across the industry.
Nicholas was an officer of CT Young Insurance Professionals for eight years, serving as director, vice president and president. He holds a B.S. in Business Management & Administration from Sacred Heart University in Fairfield, Connecticut, and is licensed in Connecticut for Property & Casualty and Life & Health.
What Nicholas focuses on
Complex commercial placements
Commercial fleet and trucking, non-trucking liability, workers’ compensation and other classes where standard capacity does not fit, placed through wholesale and surplus lines markets.
Workers’ compensationManagement and professional liability
Employment practices liability, professional liability and cyber coverage for Connecticut employers and firms, including how the policies fit together.
Professional liabilityCyber risk and data standards
A member of the ACORD Cyber Liability Working Group, which develops data standards for how cyber risk is exchanged and reported between carriers, brokers and technology providers.
Cyber insurancePrivate client and umbrella
Coordinated programs for families with significant assets: high-value homes, collections, boats, and the excess liability that sits above them.
Private client insuranceExperience and industry involvement
- 2023 – present
Collaborator, Stratfield Ventures
Works on insurance technology ventures that apply automation to submissions, intake and compliance without losing the advisory relationship.
- 2025 – present
Member, ACORD Cyber Liability Working Group
Contributes brokerage and distribution experience to ACORD data standards for cyber risk exchange.
- 2019 – 2022
Business Development Manager, ACORD / Solutions Group
Managed enterprise relationships for ACORD’s SaaS and data standards products, working with carriers, brokers and technology partners.
- 2013 – 2021
President, Vice President and Director, CT Young Insurance Professionals
Led a statewide professional association that ran legislative summits and educational events connecting producers, carriers and regulators.
- 2012
Founder, New England Insurance
Started an independent commercial property and casualty brokerage in Connecticut, placing complex accounts with wholesale and surplus lines markets, and added an insurance premium finance company alongside it.
- 2010 – 2012
Business Manager, Dental Groups of Connecticut
Core member of the team that scaled the group from three offices to multi-location operations through process redesign and team leadership.
Recognition and community involvement
- Fairfield County 40 Under 40, 2016. Named by the Fairfield County Business Journal to its annual list of Fairfield County's top young professionals, listed as Nick Khamarji Jr. of New England Insurance, Bridgeport. Westfair announcement
- Professional Insurance Agents of Connecticut (PIACT). Elected to the board of directors of the CT Young Insurance Professionals, PIACT's young professionals group, and later served as its president. Insurance Journal, 2018
- ACORD. Member of the ACORD Cyber Liability Working Group, and previously a business development manager for ACORD's SaaS and data standards products.
- Bridgeport community. Served on the board of the Bridgeport YMCA and as co-chair of a City of Bridgeport committee.
Licensing you can verify
- Licensed Connecticut Property & Casualty and Life & Health producer, NPN 16733154
- Agency: Stratfield Partners, LLC dba New England Insurance
- B.S., Business Management & Administration, Sacred Heart University
Confirm the license with the Connecticut Insurance Department or the NIPR lookup .
Get in touch
610 Brooklawn Avenue
Bridgeport, Connecticut 06604
Prefer to start with a question? Send a message or request a coverage review.
Latest guides by Nicholas Khamarji
111 Connecticut insurance guides, written to explain what policies actually cover and where the gaps tend to be.
· Personal Insurance
Personal Cyber Insurance for Connecticut Families: Wire Fraud at Closing, Ransomware, and Online Extortion
· Personal Insurance
Kidnap, Ransom, and Extortion Insurance for Connecticut Families: What It Is and Who Needs It
· Personal Insurance
Builder's Risk Insurance for a Custom Home in Connecticut: What the Owner Needs Before the Teardown
· Personal Insurance
Insuring a Wine Collection in Connecticut: Spoilage, Breakage, Valuation, and Cellar Risks
· Personal Insurance
Fine Art in Transit, in Storage, and on Loan: Insurance Gaps Connecticut Collectors Miss
· Personal Insurance
Horse Farm and Equestrian Insurance in Connecticut: Liability, Barns, Boarders, and Your Horses
· Personal Insurance
Private Aircraft Insurance for Connecticut Owners: Owned, Managed, Fractional, and Chartered
· Personal Insurance
Excess Liability Above $10 Million: How High-Limit Umbrella Towers Work for Connecticut Families
· Personal Insurance
Insuring a Connecticut Home During Probate or While It Sits Vacant
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Frequently asked questions about Nicholas Khamarji
Who is Nicholas Khamarji?
Nicholas Khamarji is an independent insurance advisor and the principal of New England Insurance in Bridgeport, Connecticut. He has 15 years in the insurance industry as a commercial property and casualty brokerage founder, a business development manager at ACORD, and a builder of insurance technology.
What is Nicholas Khamarji’s insurance background?
He founded New England Insurance in 2012 and built it into an independent commercial brokerage. He was named to the Fairfield County Business Journal 40 Under 40 in 2016. From 2019 to 2022 he managed enterprise relationships for ACORD’s SaaS and data standards products, and since 2025 he has been a member of the ACORD Cyber Liability Working Group. He was also president, vice president and director of CT Young Insurance Professionals between 2013 and 2021.
Is Nicholas Khamarji a licensed insurance agent in Connecticut?
Yes. He is a licensed Connecticut Property & Casualty and Life & Health producer, National Producer Number 16733154. It can be verified with the Connecticut Insurance Department or the NIPR license lookup.
What types of insurance does Nicholas Khamarji write about?
His guides cover Connecticut homeowners, auto, umbrella, flood, private client, commercial property, workers’ compensation, cyber, professional liability and employment practices liability insurance, with a focus on what policies actually cover and where the gaps are.
How can I contact Nicholas Khamarji?
Call (203) 445-3594, email [email protected], or book a call from this page. New England Insurance is at 610 Brooklawn Avenue, Bridgeport, Connecticut 06604.
Articles on this site are general information about insurance in Connecticut, not advice for your specific situation. Coverage, pricing and availability depend on the carrier and policy form.
Let’s Find Your Next Step
Personal and business coverage, with advice from a licensed Connecticut advisor. For complex personal coverage, request a private client review.