From this very short piece:
<i>Serving New York City as well as a few other counties in New York state...</i><p>It is possible this company only serves New York state. It is a quirk of state law in New York that in order to sell insurance in New York, you have to be incorporated there. IIRC, it is the only state like that.<p>(Also, this piece is so short, I am baffled as to why it was even submitted to HN.)