About Us
CRISP began operations in 2012 as a combination of two highly successful organizations – Frank J. Bongiorno in personal/commercial lines and The Stettler Group, Inc. in employee benefits – coupled with the client-centered operating platform of CRISP. The Frank J. Bongiorno agency has been operating for more than 20 years by providing superior service to both its commercial insurance and personal lines clients. The Stettler Group has been providing innovative employee benefits for more than 30 years. Together these companies have formed CRISP, bringing their individual value into a combined platform that provides tremendous benefit to its client base.
Crisp Insurance Advisors, LLC joined Alera Group in November 2018. Alera Group’s mission is to transform the client experience by providing a greater depth and breadth of tools, resources, education, innovative thinking, and constant collaboration. The firm combines a strong local team with national resources to deliver the best possible outcomes—positively impacting clients, employees, communities, and the lives of people where we live and work.
CRISP is a boutique insurance agency offering and delivering the best service, best value, and the best approach to our clients’ insurance and employee benefits needs.
We have put together a team with exceptional experience and a proven track record of great success. The combination of these individuals into a single operating company creates an even broader and deeper offering to our clients.
Today’s ever-changing marketplace demands exceptional expertise, customer-centered service, and an operation platform that brings the best to our clients. We are confident that CRISP brings all of this level of value to all of our clients.
Our Philosophy
The Best Markets
Our partnerships with some of the world’s best insurers gives us the ability to keep a competitive marketplace for our new and existing clients. The strong relationships we have allow us to make sure our clients are getting the best product at the most competitive pricing year after year.
The Best Service
When clients engage us, they learn very quickly that we pride ourselves on service. We are prompt, professional and attentive to detail. In fact, we earn continuing praise from our clients for our responsiveness. Perhaps that’s because, above all, we regard them as people, not just policies.
The Best Experience
Our clients’ insurance portfolios are managed by a team of experienced professionals who know you by name when you call. Our primary goal is to educate our clients so that they understand what the risks are and the many risk management techniques they can employ to mitigate those exposures. In doing such we create an educated consumer with access to the broadest carrier options available. Paired with extraordinary service model the experience our clients have should be unparalleled. Our company goal has always been to change the way individuals and companies view insurance.
Our Solutions
- Commercial Insurance
- Employee Benefits
- Personal Insurance
- Special Event
- Wedding Protection Plan
- Private Client
- Personal Asset Management
Meet Our Team
David Russo
Regional Director – Tri-State
David R. Russo brings 20 years of insurance experience. He began his insurance career in 1998 handling small group benefits for Guardian. Interested in not only group benefits but also property & casualty, he joined an Allstate New Jersey branch office where he spend two year as Director of Business Development.
Presented with an opportunity to join an Independent Insurance Agency as COO, David was excited to not only work with multiple insurance carriers, but also build true carrier partnerships. During this time, we not only grew across all lines but built service teams that worked for a common goal.
Realizing his passion was as an Independent Agent, David purchased Frank J. Bongiorno & Assoc. Insurance Agency in 2008 along with childhood friend, Carrie Dilgard. Together they started building the foundation which CRISP is currently built on.
David holds the position of Regional Director – Tri-State, while still maintaining client relationships across all lines. David was responsible for integrating the companies that came together to form the Branchburg office back in 2013.
Carrie Dilgard, CIC
Partner
Carrie has over 17 years of experience in the insurance industry, having joined her father in the family business, Frank J. Bongiorno & Associates, Inc. after a brief career in the finance industry. Upon her father, Bruce Hartzog, retiring due to an illness, she and her childhood friend, Dave Russo, took over the firm.
Carrie heads up Commercial Lines in the Branchburg office, and is also an integral part of the Personal Lines division, as she continues to handle many of the long term personal clients. Treating her clients like family has been one of the main reasons for success and has had a significant impact on high client retention rates.
A graduate of Penn State University, Carrie holds degrees in both international Business and Marketing with a Minor in Spanish. Carrie holds her CIC designation and attends continuing education seminars to remain on the cutting edge of the industry and technology.
Carrie is very active in her church where she has been head of the Worship Committee for the past 10+ years. She resides in Whitehouse Station with her husband, Keith and two daughters.
George Griffaton
Partner
George Griffaton brings over 25 years of group benefits experience to the Branchburg office. After graduating from Villanova University in 1992 with a bachelor of science in business administration, George began his insurance career as a Group Benefit Representative with Reliance Standard Life Insurance Company. From 1992 through 2007, George was responsible for benefit sales in a territory that consisted of New Jersey and eastern Pennsylvania. After 15 years of group sales experience, George joined the Stettler Group in 2007 as Vice President of Sales and Marketing. At the Stettler Group, he specialized in helping employers design, implement and control the cost of their employee benefit programs. Having added to his background in the ancillary benefit market, George provides an in-depth knowledge of the fully insured marketplace and specializes in self-funded solutions for mid-market employers.
As Partner, George’s responsibilities include new business production, existing account management and assisting in the day-to-day operation of the company. He is instrumental in the continued advancement of the company’s employee benefit business development through his relationship building skills and strong technical capabilities.
Diane Dantas
Personal Lines Account Executive
(908) 566-1297
Resources
Our Solutions
Commercial Insurance
- Property
- Liability
- Automobile
- Crime
- Workers’ Compensation
- Ocean and Inland Marine
- Umbrella Liability
- Bonds
- Professional Liability
- Directors and Officers Liability
- Employment Related Practices Liability
- Cyber Liability
- Credit Insurance
Employee Benefits
- Alternatively Funded Medical Programs
- Medical Bill Auditing
- Reference Based Pricing
- Pharmacy Benefit Management
- Employee Benefit Group Captives
- Fully Insured Medical Programs
Personal Insurance
- Homeowners Insurance
- Automobile Insurance
- Personal Umbrella
- Personal Watercraft, Boat & Yacht
- Flood Insurance
- Personal Articles Floaters
- Motorcycle
- Rental Insurance
- Condo Insurance
- Collector Car Coverage
- Wedding Protector Insurance: Get a quote!
Special Event // Get a quote.
- Anniversary parties
- Baby showers
- Bar Mitzvahs
- Bat Mitzvahs
- Birthday parties
- Bridal showers
- Family reunions
- Holiday parties
- Housewarmings
- Memorial services
- Private house parties
- Quinceañeras
- Sweet 16 parties
Wedding Protection Plan // Get a quote.
Private Client
- Wealth Transfer
- Business Executive Services
- Life Insurance for Business
- High Net-Worth Individuals / Families
- Business Exit & Succession Planning
- Life Insurance
Personal Asset Management
- Homeowners Insurance
- Excess Liability
- Auto Insurance
- Private Collections Insurance
- Yacht Insurance
- Flood Coverage
- Private Aviation Insurance
- Coverage for Domestic Staff
- Kidnap, Ransom and Extortion Coverage
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Balancing Cost and Care: Could a Captive solution be the right fit for you?
In this session, our experts will discuss how Captive solutions work and what you need to consider for your own group’s needs.
April 17, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
Q2 2025 Quarterly Compliance Webinar
Alera Group's quarterly employee benefits compliance roundup will help you stay current on the latest national regulatory developments impacting employers.
May 6, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
2025 Healthcare and Employee Benefits Benchmarking Report: How Does Your Benefits Program Stack Up?
In this session, our experts will dive into the results of our annual, market-leading benchmarking survey.
June 26, 2025 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Employee Benefits
Deadline for San Francisco Health Care Security Ordinance is approaching
The annual San Francisco Health Care Security Ordinance (SF HCSO) reporting by employers that have employees who work in the City of or County of San Francisco is due by May 2, 2025. Employers should be aware of the upcoming deadline even if they are not located in San Francisco.
The SF HCSO requires large and medium-sized employers to provide covered employees with benefits equal to or greater than the expenditure rate. Covered employees are those who have been employed for more than 90 days and who regularly work at least eight hours per week within the City of and County of San Francisco.
April 14, 2025
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Property and Casualty
International Roadcheck Is May 13-15. Is Your Commercial Transportation Fleet Ready?
For 72 hours next month, commercial motor vehicles and drivers throughout North America will be subject to what the Commercial Vehicle Safety Alliance (CVSA) calls a “high-visibility, high-volume” inspection and regulatory compliance enforcement initiative.
The annual event, known as the International Roadcheck, will take place at weigh and inspection stations, temporary sites and locations selected by mobile patrols from May 13-15 in the United States, Canada and Mexico.
April 14, 2025
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Property and Casualty
Improving Transportation Fleet Safety Through Gamification
The COVID-19 pandemic pushed companies to find creative ways to engage employees as isolation hit an all-time high. Many turned to gamification — the application game mechanics such as points, badges and leaderboards to everyday tasks — to reconnect with staff and improve retention, especially around key initiatives like safety. It’s a concept so suitable for the transportation industry, it could have been conceived with truckers and other commercial auto drivers in mind.
April 7, 2025
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Webinar: Is Captive Insurance the Right Solution for Your Business?
Join Alera Group on Thursday, April 17, for "Balancing Cost and Care: Could a Captive solution be the right fit for you?", a webinar on self-insuring to reduce group Medical Insurance costs and other business expense. Our experts will discuss how Captive solutions work and what you need to consider for your own group’s needs.
April 3, 2025
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