Small Business Insurance - Property, General Liability, Business Auto Insurance, Worker's Compensation, Bonds

Small Business Insurance - Quality Protection at Low Prices
Property, General Liability, Business Auto Insurance, Worker's Compensation, Bonds

Our company offers small business insurance for Property, General Liability, Business Auto Insurance, Worker's Compensation, Bonds, etc. With over 70 years of experience, we are confident that we can provide you with the most value for the money you pay. We are located in New Jersey, and licenced in many states (see complete list).

Our Advantages:

We are an Independent Insurance Agency, offering policies from reputable insurance companies.

We are specialists in small business insurance, with decades of solid knowledge and experience in all types of small business, from food establishments to home based businesses.

We offer comprehensive small business insurance policies, with a broad spectrum of coverages, that are easy to understand and customize.

Integrity - We steadily built our company since 1934, with high moral standards, honesty, and service excellence.

Fast Claim Processing - We offer fast, flexible service when you need it most, at claim time. With us is easy to report a claim and help is available 365 days a year.

NJ Small Business Insurance - NY Small Business Insurance - PA Small Business Insurance
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Small Business Insurance FAQ's

Q: What is fire legal coverage?
A: Fire legal coverage provides coverage for you if you rent a business space and are held responsible for fire damages to that rented space. It does not apply to all business risks.

Q: What is the difference between Replacement Cost (RC)
and Actual Cash Value (ACV)?
A: Replacement Cost is the current cost to replace property. Actual Cash Value is the replacement cost less depreciation.

Q: What does 80% co-insurance mean?
A: Insurance carriers require that an insured party insure at least 80% of the property's value in order to collect a partial loss in full. This is the way the insurance company encourages all insureds to adequately insure their property in relation to other insureds.

Q: Does my policy cover physical damage to a vehicle I rent?
A: This damage will be covered only if that type of coverage is purchased.

Q: Can other people drive my business vehicle?
A: Other people may drive your vehicle with your permission. It is important that they be listed on your policy if they are regular drivers of the vehicle.

Q: How does an audit work?
A: At the end of the policy term, the insurance company will review the policy and either charge or credit the policyholder based upon an audit of estimated figures. Examples of estimated auditable items include sales and payroll. Audits can be performed onsite by an auditor or via mail or telephone. A premium is charged for audit estimations.

Q: Why do I need certificates of insurance from sub-contractors?
A: An audit may require you to show proof that sub-contractors had their own insurance coverage. The sub-contractors' certificates of insurance will prevent you from being charged for their exposure.

Q: What is General Liability?
A: General Liability provides coverage if you are liable for damages to other individuals arising from your premises, general operations (ongoing and after completion) and products manufactured or sold.

Q: What does Products/Completed Operations mean?
A: Products/Completed Operations refers to the liability coverage for damages caused by your operation or products after the point at which you no longer have control of them.

Q: What is Business Interruption/Extra Expense coverage?
A: Business Interruption/Extra Expense coverage provides coverage for income loss and the expense of establishing a temporary site during repairs due to damages related to a fire or compensable loss.

Q: What is the difference between "Named Insured", "First Named Insured" and "Additional Insured?"
A: Named Insureds are those listed by name in the relevant block of the policy's declaration page. Although the named insured is commonly one person, partnership, corporation or other entity with insurable interests, multiple named insureds may be included.

First Named Insured is the first "named insured" listed on the policy declarations (front page of the policy). This insured acts as the legal agent for all named insureds in initiating cancellation, requesting policy changes or accepting any return premiums. The first named insured may also be responsible for payment of the premiums.

Additional Insured is an entity to which a policy's coverage is extended. An additional insured must be added to the policy prior to a claim being paid. There must be a tied to relationship between the additional insured and named insured. Being an additional insured on another's policy does not eliminate the need for someone to have his/her own Commercial General Liability policy.

Insurance Licensing Note:
Szerlip is licensed for car insurance, business insurance, automobile insurance, etc. in the following states: AK - Alaska, AZ - Arizona, CA - California, CO - Colorado, CT - Connecticut, DE - Delaware, DC - District of Columbia, FL - Florida, GA - Georgia, ID - Idaho, IL - Illinois, LA - Louisiana, MD - Maryland, MA - Massachusetts, MI - Michigan, MS - Mississippi, MO - Missouri, MT - Montana, NE - Nebraska, NH - New Hampshire, NJ - New Jersey, Tri state area, NY - New York, Tristate, NC - North Carolina, OH - Ohio, PA - Pennsylvania, RI - Rhode Island, SC - South Carolina, SD - South Dakota, TN - Tennessee, TX - Texas, VT - Vermont, VA - Virginia, WV - West Virginia

Call us Today at , or E-Mail us
for a Free Insurance Review and Quote

Online Insurance Quotes
| NJ Auto Insurance | NJ Car Insurance Quote | NY | PA | CT | MA | Other States |
| NJ Home Insurance | NJ Homeowner Insurance Quote | NY | PA | CT | MA | Other States |
| NJ Life Insurance | NJ Life Insurance Quote | NY | PA | CT | MA | Other States |
| NJ Health Insurance | NJ Health Insurance Quote | NY | PA | CT | MA | Other States |
| NJ Business Insurance | NJ Business Insurance Quote | NY | PA | CT | MA | Other States |
| NJ Group Insurance | NJ Group Insurance Quote | NY | PA | CT | MA | Other States |

Get Quality Insurance Coverage and Excellent Service at Low Prices!

© 2008 - All rights reserved. Our company is one of the oldest NJ insurance agency. We handle all types of personal Insurance, home insurance, car insurance, renter's insurance, as well as commercial insurance / business insurance. We are licenced in many states: New Jersey, New York, NYC, Pennsylvannia, District of Columbia, Connecticut, Massachusetts, etc.