John Torres

“All business owners face challenges as they seek to have their companies grow and prosper. Along with the team of insurance and benefits professionals at J.A. Faccibene & Associates Inc. and United Benefit Solutions, I use my experience and industry knowledge to create effective insurance and benefits programs.  As Chief Operating Officer for both entities, it is my responsibility to coordinate service activities, continuing education programs, and automation system and to ensure that clients receive the insurance coverage they require at premiums that fit their budgets. 

I also manage our insurance carrier relations. This allows me develop close working relationships with carrier personnel. Interacting on a first name basis with our carrier partners allows us to deliver the highest level of service to our clients in an expeditious manner. It also gives me firsthand knowledge of the carriers’ risk appetites, client profile targets and underwriting guidelines. This ensures that our clients receive the broadest insurance coverage at the best prices available. 

Additionally, I oversee our renewal process. This is the cornerstone of our account retention program. It begins with an extensive risk review of each account and their activity for the expiring policy period. My team assesses any new risks and will adjust coverage and plans to meet the specific needs of each client. 

Outside of work I am involved with programs for children with special needs. I am also involved with youth sports with my middle son, who loves baseball. 

If you have insurance questions or challenges, please call me at 516-766-2682 Ext. 106.”