The top-rated commercial insurance agent in Lakewood, New Jersey is PRIME Insurance Agency, rated 4.9 stars across 357 reviews. Other highly rated options include Cosmo Insurance Agency, Sterling Property and Casualty, Stonebrook Insurance Group. This directory lists 20 commercial insurance agents serving Lakewood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | PRIME Insurance Agency | 960 E County Line Rd | (732) 886-5751 |
| 2 | Cosmo Insurance Agency | 1600 Ave of the States #408 | (732) 363-3888 |
| 3 | Sterling Property and Casualty | 20 4th St Suite 211 | (732) 730-7130 |
| 4 | Stonebrook Insurance Group | 500 River Ave Suite 230 | (732) 905-4100 |
| 5 | Mitchell Hnatt: Allstate Insurance | 1900 NJ-70 | (732) 477-6900 |
| 6 | Ben Goldfischer: Allstate Insurance | 300 Main St | (732) 719-4050 |
| 7 | Wilhelm | 699 Cross St #1 | (732) 961-1551 |
| 8 | Insurance Agency New Jersey | 1166 River Ave | (551) 273-4713 |
| 9 | J&R Insurance Agency & Financial Services LLC | 1400 Ocean Ave | (732) 363-1625 |
| 10 | Ideal Insurance Agency | 326 3rd St | (732) 363-8300 |
PRIME Insurance Agency serves the Lakewood, New Jersey area as a local provider of commercial insurance solutions. The agency works with business owners to secure policies that protect their operations from a variety of common risks and liabilities. General programs are built to address property damage, worker injuries, and business interruption exposures. For clients in this community, the agency specifically handles liability coverage for retail locations and workers’ compensation policies for small trade contractors.
Cosmo Insurance Agency provides commercial insurance solutions tailored to local businesses, including general liability, property, and workers’ compensation coverage. It offers ongoing policy reviews and claims assistance to maintain adequate protection as operations evolve. The agency serves a wide variety of properties, such as single-family homes, multifamily apartment buildings, retail stores, and full-service restaurants in the Lakewood, NJ, area.
Sterling Property and Casualty serves businesses, property managers, and commercial property owners in Lakewood, New Jersey. It offers commercial insurance agent services tailored to protect local operations and assets. The agency helps clients navigate coverage options for standard commercial risks common in the region. Sterling Property and Casualty also extends its services to neighboring communities in the greater Ocean County metro area.
Stonebrook Insurance Group serves Lakewood, New Jersey, and the surrounding Ocean County communities, handling commercial insurance for local businesses of various sizes. The agency covers essential coverage areas such as general liability, property, and workers’ compensation for retail, service, and professional firms. It works with both established companies and new ventures to tailor policies that address specific operational risks. For a typical job, the company begins by assessing the client’s daily exposures and revenue streams to build a comprehensive protection plan.
For businesses in Lakewood, NJ, commercial insurance agents offer a choice between one-time policies for specific projects and recurring plans that cover ongoing operations, tailoring coverage to each company’s unique liability and property needs. Mitchell Hnatt: Allstone Insurance serves local firms by arranging protection against common risks such as property damage, worker injuries, and customer claims. Their service operates on an as-needed basis, allowing clients to request assistance whenever a policy review or new coverage requirement arises.
Ben Goldfischer: Allstate Insurance in Lakewood, NJ offers specialty commercial insurance products tailored to protect local businesses from liability and property risks. Its general agency work involves advising business owners on appropriate coverage limits and policy structures for their specific operations. The agency helps clients with seasonal concerns such as reviewing coverage adjustments needed before the busy summer tourism and construction periods in the region.
As Lakewood businesses face the shifting demands of seasonal inventory and fluctuating commercial liability requirements, Wilhelm offers tailored insurance coverage solutions for local operations. This agency works to understand each client’s specific risk profile, from retail shops to service contractors. Policy options are presented clearly, ensuring a match between exposure and protection. Protection reviews focus on property, liability, and worker coverage gaps. A thorough on-site inspection of the business premises and operations is scheduled to initiate the assessment.
Insurance Agency New Jersey, based in Lakewood, is known for assessing and mitigating risk for local businesses through tailored coverage. It serves a range of commercial clients, from small retailers to larger industrial operations, addressing property, liability, and workers' compensation needs. The agency works to match policy options with each client’s operational profile and budget. Its service slate can also include specialized coverage for contractors and equipment breakdown.
Ideal Insurance Agency of Lakewood, New Jersey connects local businesses to commercial coverage that addresses general liabilities and property exposures. Its work routinely includes securing policies for common risks such as business interruption and equipment breakdown. The agency helps clients manage specialized needs by adding extra protections like cyber liability or inland marine insurance. Commercial sectors it can serve include offices, warehouses, and food service establishments that require tailored risk management solutions.
What Does a a Commercial Insurance Agent in Lakewood Cost?
The cost for commercial insurance in New Jersey varies widely by industry and risk. A small retail store might pay between $500 and $2,000 per year for general liability. A construction company could pay $5,000 to $20,000 or more for workers compensation and liability coverage. Premiums depend on factors like payroll revenue location and claims history. This is general information not insurance advice.
About commercial insurance agents in Lakewood
Commercial insurance agents in Lakewood New Jersey help local businesses secure coverage for property liability workers compensation and commercial auto. New Jersey law requires businesses with employees to carry workers compensation insurance under N.J.S.A. 34:15-71. Agents in Lakewood can guide you through the specific requirements for your industry and business size.
Frequently Asked Questions
What types of commercial insurance do Lakewood businesses typically need?
Common coverages include general liability property insurance workers compensation and commercial auto. New Jersey law mandates workers compensation for most employers. An agent can assess your specific risks and recommend appropriate policies.
How do New Jersey commercial insurance regulations affect my business?
New Jersey has specific requirements for workers compensation under N.J.S.A. 34:15-71 and commercial auto insurance minimums. Your agent must be licensed in New Jersey and follow state insurance department rules. They can help you stay compliant with all applicable laws.
What information do I need to get a quote from a commercial insurance agent in Lakewood?
You will need details about your business operations revenue number of employees and any claims history. For property coverage provide the building value and contents. An agent uses this information to find suitable policies from multiple carriers.
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