The top-rated commercial insurance agent in Toms River, New Jersey is NJ Life and Health Insurance Group, LLC, rated 5.0 stars across 808 reviews. Other highly rated options include Steve Meehan - State Farm Insurance Agent, Kevin Carroll - State Farm Insurance Agent, Dolly Wasielewski: Allstate Insurance. This directory lists 16 commercial insurance agents serving Toms River.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | NJ Life and Health Insurance Group, LLC | 10 Allen St STE 4A | (848) 226-6897 |
| 2 | Steve Meehan - State Farm Insurance Agent | 617 NJ-37 | (732) 473-0100 |
| 3 | Kevin Carroll - State Farm Insurance Agent | 1410 Hooper Ave | (732) 505-8525 |
| 4 | Dolly Wasielewski: Allstate Insurance | 229 Washington St | (732) 557-6200 |
| 5 | Arctic Risk Specialists Inc. | 1415 Hooper Ave #203 | (732) 372-4348 |
| 6 | Aaron Friedman: Allstate Insurance | 147 NJ-70 Ste 4 | (732) 901-7719 |
| 7 | Frank Valente: Allstate Insurance | 1841 Hooper Ave Ste B | (732) 240-5050 |
| 8 | Arocho Insurance Agency | 730 Jamaica Blvd | (732) 877-7680 |
| 9 | BHI Insurance | 240 Main St | (732) 349-2300 |
| 10 | Alejandra Roman Professional Services | 911 Charles Dr Ste 6 | (848) 480-7628 |
NJ Life and Health Insurance Group, LLC serves businesses and individuals in Ocean County from its Toms River office. As a commercial insurance agent, the company provides coverage policies designed to protect local enterprises from common operational risks. They work with area firms to select appropriate liability and property insurance plans that match specific business needs. The agency also assists with workers' compensation policies and commercial auto insurance for fleet vehicles or company-owned cars and trucks.
Steve Meehan - State Farm Insurance Agent provides a range of commercial insurance services for local businesses in the Toms River area. Their maintenance plans typically include periodic policy reviews to help ensure adequate coverage and address any changes in business operations. Commercial insurance agents in this region also offer guidance on liability, property, and income protection tailored to specific needs. The agency services a variety of properties, including single-family homes, apartments, retail storefronts, and local restaurants.
Kevin Carroll - State Farm Insurance Agent in Toms River, New Jersey, serves local homeowners, business owners, and property managers seeking commercial insurance coverage. The agency helps clients protect their assets with standard business liability, property, and workers compensation policies tailored to small and mid-sized operations. It also offers personal auto and home insurance for residents. Beyond Toms River, the agency provides services to customers throughout neighboring Lakewood and surrounding Ocean County communities.
Dolly Wasielewski: Allstate Insurance serves Toms River and the surrounding Ocean County communities, handling a range of commercial insurance needs for local businesses. The agency provides coverage options for property, liability, and other business-related exposures. For a typical job, it works directly with the business owner to review specific operational risks and then outlines policy choices that match the client’s budget and coverage requirements. This individualized approach helps ensure each commercial account receives a tailored solution before binding.
As coastal storms and seasonal business fluctuations affect the ocean county region, Arctic Risk Specialists Inc. offers commercial insurance agent services based in Toms River, New Jersey. The company assists local enterprises in evaluating their liability exposure and property protection needs. Policies typically cover general liability, commercial property, and workers compensation, though specific offerings depend on industry and operations. An initial consultation with an agent includes reviewing current coverage gaps and discussing potential risk mitigation strategies. A scheduled inspection of the business premises follows to assess physical hazards and safety measures present.
For commercial insurance, a one-time policy covers a specific project or event, while recurring options provide ongoing protection for an established business. Aaron Friedman: Allstate Insurance in Toms River, NJ, offers both approaches alongside standard liability, property, and worker's compensation coverage. This agency helps local enterprises assess their risk exposure and select appropriate limits. Service for commercial clients typically operates on an as-needed basis, allowing policyholders to request quotes, review coverage, or amend their plan whenever their circumstances change without a mandatory schedule.
Frank Valente: Allstate Insurance in Toms River, NJ specializes in designing customized commercial insurance policies to address a variety of business liability and property risks. Its work also extends to helping local entrepreneurs and companies structure appropriate coverage packages that protect against common operational exposures. This agency regularly assists business owners with assessing specific needs throughout the changing seasons, such as reviewing coverage limits before the busy summer tourism cycle along the Jersey Shore.
Arocho Insurance Agency in Toms River, New Jersey, works as a commercial insurance agent to help businesses manage their general liability and property exposures. It also specializes in adding tailored coverage such as workers’ compensation and business interruption protection. By analyzing a company’s daily operations, it identifies the policy components needed to mitigate common financial risks. The agency serves a variety of local commercial sectors, including professional offices, warehouse and storage facilities, and full-service food establishments.
BHI Insurance provides commercial insurance agent services in the Toms River area, guiding local businesses through their coverage needs. The agency also assists with residential insurance policies for homeowners in the surrounding communities. Commercial clients receive help with risk management and policy selection tailored to different industries. Service extends across the local region. After an initial consultation and placement, the agency maintains contact for follow-up needs and policy adjustments between regular scheduled visits.
What Does a a Commercial Insurance Agent in Toms River Cost?
The cost of commercial insurance in New Jersey varies widely by business type, size, and risk factors. A small retail shop might pay between 500 and 1,500 dollars per year for general liability, while a construction company could pay 5,000 to 15,000 dollars or more for combined policies. Workers compensation rates are set by the state and depend on your industry classification and claims history. This is general information and not insurance advice.
About commercial insurance agents in Toms River
Commercial insurance agents in Toms River New Jersey help local businesses find the right coverage to protect their operations. New Jersey law requires all employers to carry workers compensation insurance and commercial auto insurance for company vehicles. An agent can guide you through these requirements and help you manage risks specific to the Jersey Shore area.
Frequently Asked Questions
What types of commercial insurance are required in New Jersey?
New Jersey law mandates workers compensation insurance for most employers and commercial auto insurance for business vehicles. General liability insurance is not required by state law but is often required by landlords or contracts.
How do I choose a commercial insurance agent in Toms River?
Look for an agent who understands your industry and has experience with New Jersey regulations. Ask about their familiarity with local risks like flood zones or seasonal business needs in the Toms River area.
What is the process for getting a commercial insurance quote in New Jersey?
You will need to provide details about your business such as number of employees, annual revenue, and type of operations. The agent will then compare policies from multiple carriers to find suitable coverage and pricing for your specific situation.
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