Meet the Staff

Ida Caponegro, CISR

Ida Caponegro is Licensed NJ Insurance Broker and a certified CSR® possessing a vast amount of experience working with small and large business on their General Liability, Property and Workers Compensation Insurance.

Ida has over 38 years experience and has worked for several large NYC Based Insurance companies including the Greater NY Insurance Company, Saint Paul Companies (a division of Travelers) and Frank Crystal & Co. She managed cases of both small and large clients from multi-million dollar businesses where the average premiums ranged from $50,000 to over $600,000.

Ida and her husband/business partner Ernie live in Point Pleasant with their three boys, Ernest 32, Matthew 28, and Luke 21.  Ida & Ernie have operated I E Insurance Agency together since 2006.

Ernest M. Caponegro CLCS, CSA®

Mr. Ernest Caponegro holds Life and P&C Insurance licenses in several states in addition to New Jersey. Ernest started his career on Wall Street in the fall of 1977, ran for NJ political office first as the Hudson County Surrogate Office in 1992, and again in 1994 for a NJ State Congressional seat. He served as treasurer for Jersey City UNICCO from 1993-1998.

Ernest is one of only 33,000 Certified Senior Advisers in the nation. To become a Certified Senior Adviser, he completed a 15-part program of study of the physical, financial, emotional and personal issues that affect the daily lives of seniors taught by the Society of Certified Senior Adviser, (SCSA). The SCSA is the worlds largest member organization training professionals to serve the changing needs of a growing senior population. As the co-owner of I & E Insurance Agency, he brings over 40 years of experience to individuals, families, seniors and small businesses who need assistance.

Mr. Caponegro attended the Hartford School of Insurance and earned the National Underwriter Company’s CLCS designation. The Hartford School of Insurance has been granted the authority by the National Underwriting Company to confer this designation on agents who successfully complete the Commercial Lines Producer and CSR schools. The candidates must have concluded the two-phased program by passing each exam with a minimum of 70%.

The CLCS designation, short for Commercial Lines Coverage Specialist, is awarded to those students who have demonstrated extensive knowledge in the critical functional area of commercial property coverage and will apply that knowledge in real life cases. Holders of the CLCS designation have exhibited advanced coverage expertise and career professionalism.

& E Insurance opened an independent office in 1998 and became a fully operational in October of 2002. I E Insurance Agency secured it’s NJ State Independent license in 2006. I & E Insurance Agency offers all forms of Insurance for Business, Personal and Commercial needs.

Ernest has coached several local soccer and football teams and was a past Boy Scout Leader of Troop 32 of Brick and a Troop 6 of Point Pleasant Beach and has been a member of the Brick Town Police Athletic League (PAL) Board of Directors for 19 years. The Brick PAL’s mission is to improve the lives of local children. Ernest was a board member and former trustee board member of the Positive Earth Drivers Club and a 1st Degree Knight and member of the Knights of Columbus of Saint Martha’s Church Point Pleasant and was a past Vice President and present member of the Father Club at Christian Brothers Academy of Lincroft, NJ.

Customer Service Representatives:

Please help I&E welcome our new customer service representatives: Sydney and Lisa.  These two joined our team in the beginning of November.

Cyber Liability and Data Breach Protection

Cyber Liability and Data Breach Protection

This is why an increasing number of companies are seeking cyber liability insurance. Look at your insurance policies to ensure they provide protection from current risks. What Is a Data Breach? Cyber liability insurance, sometimes called data breach insurance,...

Commercial Auto Insurance

Commercial Auto Insurance

What businesses need Commercial Auto Insurance? Any business that owns and uses commercial vehicles needs commercial auto insurance. Whether you own one commercial vehicle or a fleet, coverage is essential. Note that this kind of insurance does not cover vehicles used...

Life Insurance: Frequently Asked Questions

Life Insurance: Frequently Asked Questions

What is life insurance? Life insurance is a contract between an insurer and a policyholder in which the insurer gives the policyholder a certain quantity of money to an assigned beneficiary upon the death of the insured person. While the policyholder is alive, they...

Life Insurance: Frequently Asked Questions

Life Insurance: The Basics

Permanent Life, Term Life, and other Types of Life Insurance A variety of life insurance plans are available for you to choose from. Some of the most notable types and terms include: Permanent Life: Remains effective until the policyholder dies, surrenders the policy,...

Life Insurance: Frequently Asked Questions

Medicare Supplemental Insurance

What Additional Coverage does Medigap Provide? A Medigap policy generally provides coverage to cover any gaps among Medicare Part A and Medicare Part B Plans. Some additional coverage provided includes: Coinsurance Deductibles Copayments Healthcare outside the U.S....

Workers’ Compensation Insurance

Workers’ Compensation Insurance

The health and wellness of employees should be a top priority for all organizations. Still, even businesses that implement proper precautions and maintain a safe workplace may not always be able to prevent work-related illnesses and injuries completely. In the...

Five Star NJHA 24 Ernest Caponegro