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About Us

An Agency Build on Family

Our two owners have over 80+ years combined experience and offer high quality insurance, and financial products serving the Commercial, Personal and Small business market. As Independent Agents and Brokers, members of The Trusted Choice Network ( and Professional Insurance Agents  , we have the freedom and flexibility of securing quality products from a variety of companies.

We are NOT captive to any ONE company like those large one-name big-box companies. Our allegiance is to our clients—NOT to any ONE company.

This freedom of choice has served our client well over the years. We take pride in knowing that our clients keep returning to us for other services and referring us to their friends and family.

Our commitment is to provide the best products and services available, along with the freedom and independence to do what we feel is best for our clients. This type of philosophy was rewarded, allowing  us to win several awards for service including:

Annual Asbury Park Press Readers Choice Awards

Named Top 3 Best Insurance Agency of Ocean County NJ 10 times from 2021-2011 – Best of the Best 2014

NJ Monthly Magazine/Five Star Professional Award

Our Owners were recognized in the Top 1% of all NJ Insurance Agents for Home and Auto, published every March in NJ Monthly Magazine for the 6th time in the last 11 years (2022-2011).

Welcome Our New Customer Service Representatives: Sydney and Lisa

I & E is pleased to share that as we return to normal operations, we’ve expanded our team with the addition of two new customer service representatives: Sydney and Lisa. They joined us at the beginning of November 2023 and are eager to assist you with any service issues you may encounter.


Meet the Staff

Ida Caponegro CSR

Ida Caponegro is a Certified CSR® and Commercial Property Insurance Specialist, a 40+ year veteran of the Insurance industry licensed in Property, Casualty, Life and Health Insurance. Ida runs the Commercial Department focusing on working with small and large business on their General Liability, Property and Worker’s Compensation Insurance. Ida served clients at several large NYC Insurance companies including Saint Paul Companies (div. of Travelers) and Frank Crystal & Co., managing average premiums from $50,000 to over $600,000. Ida & her business partner Ernie live in Point Pleasant. They have 3 sons -Ernest 34, Matthew 30 and Luke 24.

Ernest M. Caponegro CLCS, CSA®

Ernest M. Caponegro CLCS, CSA®, has over 40 years’ experience as a Licensed Insurance Broker and Registered Investment Advisor. Securities Licenses include Series: 3, 4, 6,7,8,24,53, 65,66. Mr. Caponegro is a Registered Securities, Options and MSRB Principal. Mr. Caponegro began his career on Wall Street with E.F. Hutton in 1977 in the Investment Banking Department and thereafter as a Stock & Insurance Broker, Money Manager and Branch Manager for Shearson-Lehman and Prudential-Bache. Mr. Caponegro was an Investment Banking/Managing Director of two small Independent Wall Street Investment Banking firms during the 1990s. Mr. Caponegro ran as a candidate for the Hudson County Surrogate Office in 1992, and in 1994 for a NJ State Congressional seat. Ernest served as treasurer for Jersey City UNICCO from 1993-1998.

Ernest is a Certified Senior Advisor, completed the 15-part program of study of the physical, financial, emotional and personal issues affecting the daily lives of seniors taught by the Society of Certified Senior Advisors (SCSA). The SCSA is the World’s largest member organization training professionals to serve the changing needs of a growing senior population.

Mr. Caponegro has earned the Commercial Lines Coverage Specialist (CLCS) certification. Students earning the CLCS designation have demonstrated extensive knowledge in the critical functional area of property and casualty insurance practice having completed the two-phased program offered through the National Underwriter Company and The Hartford School of Insurance.

As Ocean County property owners since 1986, I & E Insurance Agency was formed in 1998, fully operational after 911 in the Spring of 2002. The I & E Insurance Agency offers all forms of Insurance for Business, Personal and Commercial needs. As a licensed Securities Broker, Ernest provides full service Investment Brokerage Services and Securities trading through the OSJ Office of American Portfolios Securities and through American Portfolios Financial Services, Inc., Member: FINRA/SIPC Investment advisory services offered through American Portfolios Advisors, Inc., an SEC Registered Investment Advisor

Mr. Caponegro has coached several local Soccer and football teams and was an Assistant Boy Scout Leader with Troop 6 of Point Pleasant Beach and has been a member of the Brick Town Police Athletic League (PAL) Board of Directors for 20 years. The PAL’s mission is to improve the lives of local children. Ernie is a member of the Knights of Columbus of Saint Martha’s Church Point Pleasant, a Catholic Fraternal organization engaged in charitable endeavors. Ernest is also a Trustee of the Positive Earth Drivers Club, a Classic British Car Club in Farmingdale NJ with over 200 members, and Past VP of The Fathers Club of CBA, Christian Brothers Academy of Lincroft NJ, a Catholic High School where his youngest son graduated in 2018

Ida & Ernie are Six-time Winners of the New Jersey Monthly Magazine/Five Star Professional Award in the Annual “Best of NJ” Insurance Awards. Over 10,000 Insurance Agents in NJ and I & E came in the TOP 10 List of NJ Agents serving Home and Auto customers as published in NJ monthly Magazine March 2024. I & E Insurance Agency has been named in the Annual Asbury Park Press Readers’ Choice Awards as One of the Top 3 Best Insurance Agency Eight times over the last 12 years – 2023-2011. I & E was named as the 2014 “Best of the Best” – the Number 1 Agency of Ocean County.

Five Star NJHA 24 Ernest Caponegro