Ed Santos, Founder & President


Partners Agency & Associates was founded by Ed Santos in May 2013 for the express purpose of providing insurance buyers – personal and business - with much needed personal attention and advice. 

Ed Santos’ insurance and reinsurance career spans over 40 years. He began his career as an insurance agent working with Sentry Insurance and most recently as an agent for Farmers Insurance Group. 

Prior to forming Partners Agency, Ed had an extensive insurance career in reinsurance. He was a Senior Vice President at reinsurance intermediary Gill and Roeser, where he specialized in political risk, trade credit and terrorism insurance strategies and solutions. A recognized expert in this area, Ed contributed to US and European business periodicals on these complex subjects and has spoken before The Export/Import Trade Association in NY and the Bankers, Exporters Association in Brazil.

His other reinsurance experience included senior management positions at Towers Perrin Reinsurance Intermediary (now Towers Watson); Arthur J. Gallagher Treaty Intermediaries, Inc., a subsidiary of Global Insurance Broker and publicly traded as Arthur J. Gallagher & Co); Thomas A. Greene & Company (a subsidiary of Alexander & Alexander, now Global Insurance Broker publicly traded as Aon Corp.); Fred S. James; and John F. Sullivan Company (a subsidiary of Alexander & Alexander, now Global Insurance Broker publicly traded as Aon Corp.).

Fluent in Spanish, Ed earned a BS degree from Montclair State University with a double major in Business Management and Marketing.

Ed’s claim to fame is that he played basketball at the nationally ranked Power House, St. Anthony High School for the Naismith Hall of Fame and legendary coach Bob Hurley. Ed was the founding Chairman of the St. Anthony High School Alumni Association.

To contact Ed, email him at Esantos@partnersagency.net or call him at (732) 809-0580.



David Bowes, Vice President/Partner  


David Bowes assists clients with tailored advice and affordable insurance solutions. His areas of expertise includes personal, full-service auto and home, business/professional (general liability, vehicle and workers’ compensation), various types of life, long term care and AARP/United HealthCare Medicare Supplemental insurance. He also provides specialized insurance for events, hard-to-insure organizations and occupational risks.

Prior to joining Partners Agency, David worked for Farmers and Prudential Life Insurance Companies providing personal, commercial and financial products and services.

The majority of David’s career was spent in Information Technology (IT), where he provided custom designed solutions and consulting services for clients of General Electric, Honeywell Information System and Touche Ross (engaged in high technology manufacturing, publishing, food processing, consumer products and local government agencies in the US).

David earned his BS in Marketing Management at Syracuse University and his MBA in Management Information Systems at American University.

He is a resident of Wayne, NJ and is affiliated with numerous local religious, youth baseball and basketball organizations, local chambers of commerce and the North Jersey Business Council.

To contact David, email him at DBowes@partnersagency.net or call (973) 768-7279.