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    The coverage options you choose today may be critical in the event of an accident tomorrow. The right level of coverage depends on many factors, including: the value of the car you drive, where and how you drive, the assets and income you need to protect. Auto insurance coverage doesn't have to be confusing.  We'll help you navigate through all of the options available in NJ and determine the right auto insurance coverage you need.
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    Homeowners, unit owners, rental properties, dwellings under construction & tenants. Protect your home and your belongings with a comprehensive <em>home insurance</em> plan.&nbsp; Each homeowner’s insurance policy (Homes, Rentals, and Condos) offers different protection.&nbsp; Our licensed and knowledgeable staff will help you choose the home owners insurance coverage options to best meet your needs.
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    As property owners of homes and business along the shore, we have investments that are located near water and have a higher than normal exposure to flood damage.  This is why federal mortgage law requires Flood insurance for all loans involving such properties. Personal, Commercial, Tenant and Owner occupied property are eligible under the National flood program.
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    3We are committed to staying informed of issues that uniquely affect condominium owners and associations by our active membership in CAI , and IREM and South Jersey Condominium Property Managers Association. Your insurance needs in a condominium should be closely examined because they are different from your needs when owning a traditional home. In a condominium, you own your own unit and an undivided interest in the common area. Make sure you have coverage on both.
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    Small, medium and large business accounts, property, liability, workers comp, auto, bonds, and more. Running a business involves a significant investment. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster.
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    An insurance program designed to meet the unique and specific needs of Bed & Breakfast establishments. Our competitively priced B&B Program is designed to cover most insurable risks faced by B&B owners. We will add coverage as needed to tailor the program to your actual operations. The benefit to you is you only pay for the coverage you need.
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    Call us today to learn more about the protection we offer for mid and high performance boats, ski boats, air boats, hovercrafts, bass boats, powerboats, trawlers, sailboats, sport-fishers, houseboats, pontoons and more. You have your choice of liability-only or full protection, replacement coverage, and parts replacement when less than two years old (extended coverage is available for older parts). Tenders and dinghies, as well as your personal belongings, can also be covered. In addition, you can protect your family and non-family members with water-ski liability coverage, uninsured boater coverage, and medical payment coverage. Your watercraft insurance also protects you on rented and borrowed boats.
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