If you want to ensure that your small business has financial protection from unforeseen claims, general liability insurance is a smart investment. While it’s not always required by law, it may be required by certain contracts or lease arrangements. With a general liability policy from Stefanelli Insurance Brokerage, it’s easy to get protection from the costs of:

When customer property is damaged by an employee, your coverage may pay for a replacement. For example: Your contractor accidentally sets fire to a building they are working in, and repair costs will exceed $150,000. Now, you may be liable to pay for the damages and construction costs. With small business general liability insurance from Stefanelli Insurance Brokerage, you would likely have help covering the costs of those damages.

If someone other than an employee is injured on your property, this coverage can take care of medical expenses plus legal expenses and damages.

If products developed or sold by your business harm people or property, this coverage can pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.

  This coverage can pay for lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.

At SFIBCO.com, we understand small business owners and the challenges you face every day. We also know that no two businesses are completely alike, so we don’t try to put you in a one-size-fits-all insurance policy.

When you get a quote for small business insurance from SFIBCO.com, we look at a number of factors to determine the best level of coverage for you, including your industry, business size, and more. Our goal is to give you only the coverage you need now—and we can grow that coverage as your business grows.

• Works face-to-face with clients or customers
• Must have insurance before entering into a contract
• Has access to a client’s equipment
• Represents your client’s business
• Uses third-party locations for your business activities
• Uses contractors or freelancers
• Operates without a physical property
• Is in a partnership or has contracts that require a general liability policy
• Sells a physical product to customers

• Retail stores and services
• Professional services
• Contractors
• Auto service and repair
• Wholesalers and distributors
• Transportation
• Recreation
• Food service
• Healthcare 

You could still benefit from general liability insurance as a freelancer, contractor, or home business owner because you face many of the same risks as brick-and-mortar businesses. General liability insurance can be important to your small business because:

Freelancers, contractors, and home business owners can be sued for damaging client property or causing injury. A general liability policy covers related costs.

State and federal law requires general liability insurance for independent contractors in certain industries such as construction

 Some companies require that contractors and freelancers have insurance because it protects the company from financial loss due to their actions 

What Does General Liability Insurance Cost for Small Businesses? 

It's affordable coverage that protects your small business from financial harm and can help you sleep better at night. 

•  Insuring a Bright Future 
• Licensed to do Business in States: 
• New Jersey, New York and Florida 
• Corporate Office:   Montville NJ 07045
• Sub Home Offices: Lavallette NJ 08735, Jewett NY 12444
• South Palm Beach FL  33480
• Phone:   973-331-0019
• Fax:  973-331-0019
• Email:   info@StefanelliFinancial.com

This type of coverage, also called a business owner’s policy (BOP), is a simplified approach to commercial insurance for small businesses. By combining general liability insurance and commercial property insurance, along with other coverages, you could benefit in several ways:

Your Coverage is Broader 

• More potential insurance claims are protected by a single policy.
•  Managing your policy is Simple
• Submitting claims is simpler because more concerns fall under this one policy.
•  You Could Save Money 
• Property and liability insurance purchased together usually cost less than the total cost of individual policies.  

General Liability Insurance Typically Covers:

·  Property Damage. When customer property is damaged by an employee, your coverage may help pay for repairs or replacement.

·  Bodily Injury. If someone other than an employee is injured on your property, this coverage can help with medical expenses plus legal expenses and damages.

·  Product Liability. If products developed or sold by your business harm people or property, this coverage could help pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.

·  Libel, Slander, and Copyright. This coverage helps protect you against some lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.

Property Insurance Typically Covers:

·  You’re Building or Leased Space. This coverage provides protection for the building you own or even a building where you are required to provide insurance coverage as part of the lease.

·  The Contents of Your Building. Property insurance can cover inventory, equipment, or tools and other people’s property in your building that has been damaged by an employee, yourself, theft, natural disaster, or weather.

·  Income from Your Business. In the event of a disruption or property damage, you may be covered for the expenses needed to resume business, including covering net income, payroll costs, and even temporary business relocation.

Yes. Your property and liability policy can be customized by adding an endorsement. An endorsement can either enhance or modify the coverage, depending on your requirements. Don’t know what you need? Our licensed experts are available to help you figure out which of these endorsements is right for you:

Industry Endorsements

Depending on the industry you’re in, there are specific needs that arise as part of conducting business. For example, a restaurant industry endorsement might cover food spoilage. A retail store endorsement might cover expenses from having to withdraw merchandise. A hotel or motel endorsement might increase coverage for outdoor fences and signs.

Risk-Specific Endorsements

Some businesses have inherent risks beyond what’s usually covered in a property and liability insurance policy. There are dozens of risk-specific endorsements that can add an extra layer of protection when needed, like cyber coverage, garage keepers0’ legal liability, miscellaneous professional liability (E&O), and more.

Increased Coverage Limits

If you want even greater security and protection, standard coverage limits can often be increased.

While property and liability coverage are not required by law, some client contracts or property leases might require you to have a general liability or property liability policy. In addition to the standard financial protections, a property and liability policy from Stefanelli Insurance Brokerage0 can help cover needs specific to your business.

Be Confident in Your Coverage

For example: Say you own a painting or construction business. On a regular job, one of your employees accidentally leaves the water running in a customer’s home, and it causes significant damage. Not only are you responsible for paying for the repairs, you also run the risk of being sued by the customer and having to pay legal fees. Expenses like these could come up at any time without warning, so without proper coverage, the business you’ve worked so hard to maintain could take a big hit financially.

Our policies start as low about $500 and based on the factors below is how your premiums are calculating.
 

Calculating Your Premium

All of these factors are considered when calculating your premium:

· Business activities

· Number of employees

· Annual revenue

· Condition and size of the building your business is located in

· Industry

· Number of years in business

· Claims history

How can I Reduce Costs?

Property and liability insurance are very affordable. Even so, there are steps you can take to lower your insurance costs, including:

By working with SFIBCO.COM we will shop around and eliminate fees and other charges. Plus, our experts can help review your policies annually to ensure you have the right amount and type of coverage.

Save on Billing Fees

Pay your annual premium in full, or sign up for automatic payments at the beginning of the policy.

Actively Manage Risks

Prevent slips and falls (the most common general liability claim) by instructing your employees to maintain a clean environment. You can also manage risks by ensuring your employees are up to date on any necessary training—like how to properly operate machinery, for example.

Protect Your Property

If you want even greater security and protection, standard coverage limits often can be increased.

Get a Quote Today

Find out how affordable property and liability insurance can be.

Protect Your Commercial Vehicles

Being aware of what type of insurance a business needs is important, and deciding whether your business even requires a commercial auto policy can be challenging. We can help you assess your needs and evaluate your options.

Vehicles used in conducting business, as opposed to those strictly for personal use, are typically insured under a commercial auto insurance policy, which protects the assets of a company from claims. A commercial auto insurance policy has different coverages that are designed to address particular business needs.

Both commercial vehicle insurance policies and personal auto policies provide coverage for liability, collision, comprehensive, medical payments (or personal injury protection), and uninsured motorist exposures (sometimes underinsured motorist, too). However, a commercial auto insurance policy may be very different from your personal auto policy due to separate eligibility criteria, definitions, coverages, exclusions, and limits.

Bodily Injury Liability Coverage

This coverage provides payment in cases of bodily injury or death resulting from an accident for which you are at fault. This may also include legal defense expenses depending on the type of policy purchased.

Property Damage Liability Coverage

If your vehicle accidentally causes damage to another person’s vehicle, this coverage can protect you. That can include legal defense expenses depending on the type of policy purchased.

Combined Single Limit (CSL)

Liability policies provide different maximum dollar amounts that the insurer will pay for different components of a claim. A combined single limit policy states that the insurer will pay up to a certain dollar amount for the entire claim. It doesn’t matter whether all components of the claim are related to one person’s injuries, or whether there are multiple injured parties represented by the claim. The combined single limit is capped at the stated dollar amount either way for that claim.

Medical Payments, No-Fault or Personal Injury Coverage

This coverage provides payment for any medical expenses that may arise due to an employee or a passenger travelling in your vehicle, regardless of who is at fault in an accident.

Uninsured Motorist Coverage

This coverage provides payment for any medical expenses, or in some cases property damage, that may have been caused by a hit-and-run driver or an uninsured driver. Underinsured motorist coverage (when the at-fault driver has insurance but not sufficient insurance to cover the damage caused) may also be included depending on the type of policy.

Comprehensive Physical Damage Coverage

Damage resulting from theft, vandalism, flood, fire, and other specified hazards is addressed by this coverage.

Collision Coverage

This coverage provides payment for damage resulting from being hit by or hitting another object.

Customers have questions, you have answers. Display the most frequently asked questions, so everybody benefits.

An umbrella policy helps cover costs associated with:

· Bodily injury and related medical expenses

· Product liability

· Customer property damage

· Libel, slander, and copyright infringement

· Defending against a lawsuit

In New York Umbrella is known as Commercial Excess.

When you have a claim that exceeds the limits of your current policy, umbrella insurance provides extra coverage to protect your business and assets from financial risk. At SFIBCO.com, umbrella insurance is available with existing liability policies.

Keep in mind that umbrella insurance can only be applied to a claim if two things happen:

1. You already have the appropriate underlying policy.

For example, if you have general liability with an umbrella policy but you don't have commercial auto insurance, then your umbrella policy only covers those items covered by general liability.

2. The limits of that policy have been reached.

Help Your Business with an Umbrella Policy

For example, let’s say Company X is being sued because a customer was severely injured after falling down the stairs when a railing collapsed. She wants Company X to pay her medical bills, loss of wages, and other damages—a total cost of about $2 million. The legal battle drags on, and Company X’s general liability policy maxes out at $1 million. Without their umbrella insurance policy, Company X would be responsible for the extra $1 million out of pocket if a $2 million verdict is reached. With an umbrella insurance policy, they’re covered for an additional $1 million.

While not generally required, an umbrella policy gives you even more peace of mind. Just as an umbrella protects you from the rain, a small business umbrella insurance policy protects you from expensive claims that fall outside the coverage limits of your other small business insurance policies. Plus, adding umbrella insurance may cost less than increasing the limits of your general liability or commercial auto insurance..

When you need assistance of any kind, our licensed experts are just a phone call, email, or chat away. Plus, our small business insurance customers have access to low down payments, all available through SFIBCO.com. We also offer you and your employees hands-on insurance management and top-of-the-line customer service.

Ready to add umbrella coverage to your existing Stefanelli Financial liability policy?

On Average may start at about $200 per Year and please read on..

Our small business customers have access to low down payments through our online system. Submitting claims can also be done entirely online—no more waiting days or weeks for a claim to go through.

Add Extra Insurance Coverage

Umbrella small business insurance policies are an affordable way to add extra coverage. Policies are issued in $1 million increments, and the premiums depend on a number of factors, including:

• Business activities
• Number of employees
• Annual revenue
• Industry
• Number of years in business
• Claims history

Stefanelli Insurance Brokerage has helped apartment building owners find the right coverage and protection for their buildings. We can evaluate your needs and find a customized package for your income property. With many top-rated companies, we can find a competitive program for any type of building.

Apartment building owner’s insurance is designed to protect the building owners and managers from claims or losses from the ownership of building units. Additional types of apartment building owner’s insurance may also include student housing, senior housing and apartment furnished or under renovation.

At Stefanelli Insurance Brokerage, we understand protecting your residential housing unit is different from other kinds of properties. We can customize an insurance product that will make sure your apartment building can be protected. Our packages can include:

• Property insurance
• Business contents
• General liability coverage
• Equipment Breakdown
• Broiler / Machinery
• Umbrella coverage
• Employee Dishonesty
• Workers Compensation
• Commercial Auto
• Commercial Umbrella
• Professional Liability

Stefanelli Insurance Brokerage, understands the risks and decisions that follow finding insurance for your Condo Association. We can explain your options for your condo association or homeowner’sassociation insurance packages.

We have available the best insurance carriers for your condo association insurance in New Jersey, New York and Florida to give you the best value for you policy. Our professional agents will explain the many options and features for your condo association insurance policy.

Policies have different options so contact one of our staff at Stefanelli Insurance Brokerage, 973-331-0018 for any questions you may have about your condo association insurance policy. We have multiple options for your condo association insurance

• Building replacement costs
• Condo unit owner’s coverage
• Contents and property coverages
• Equipment breakdown
• Loss of fees and extra expenses

Commercial Property insurance covers the building that your business owns or rents.  A commercial property insurance policy would also cover equipment, computers, tools and furniture. Let the agents at Stefanelli Insurance Brokerage, 973-331-0018 evaluate your commercial property insurance needs to find the best suite for your liabilities and risks.

We can also tailor a broad protection policy to fit your commercial property needs. Our goal is to design a package to fit your specific risks and get your business up and running if disaster strikes. We can then provide you with a customized plan that takes into consideration your needs, past loss history, prevention efforts and precautions you have taken for safety control.

Commercial Property insurance is one of the most important types of insurance to protect your business.

Whatever your company does, it's likely we can help meet your insurance needs.  Some of the many industries we serve include

• Accounting & Finance
• Apartments & Other Buildings
• Auto Services & Dealers
• Cleaning & Janitorial
• Construction & Contracting
• Health Care
• Information Technology
• Lawn Care & Landscaping
• Professionals & Consultants
• Restaurants & Bars
• Retail & Wholesalers
• Transportation

Our goal is to Insuring You A Bright Future by protecting you and your family from those unexpected events by finding the right coverage at an affordable rate. If you need Auto, Home, Umbrella or any other personal insurance coverage, we can tailor a package to fit your individual personal insurance needs.

Our number one priority is to protect your family from any unforeseen event that may be a burden to your family in the future. Our Personal lines staff is here to answer any questions you may have and research the best policy for your needs.

All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.

LET US HELP YOU 

• Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
• Collision coverage insures you against damage to your vehicle caused during an accident.
• Comprehensive  (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and  vandalism.
• Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Customers have questions, you have answers. Display the most frequently asked questions, so everybody benefits.

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

We can offer a wide variety of coverages and options for your boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners’ policy. The size, type and value of your boat, personal watercraft or jet ski will be part of the determining factors in evaluating your Stefanelli Insurance Brokerage insurance coverage needs.

Let one of our experienced agents give you the coverage you need and recommendations to best fit your situation. The following list some of the many coverages that we can offer:

• Physical  Damage Coverage - Adding this coverage to your policy protects your boat  while in storage and during transport. This covers your boat as well when   out of the water, including but not limited to: fire, lightning, vandalism      or theft. You can also obtain emergency service reimbursement for expenses      related to towing, labor or supplies.
• Liability  Coverage - This coverage will assist you in the event of a collision with  another boat, dock or other boaters.
• Personal  Liability - protecting you or family member if you have an accident that  causes injury to another person.
• Medical  Payments - covering medical expenses if you or someone in your boat is   involved in an accident.
• Property   Damage - damage that may be caused to another person’s property while   operating your watercraft.

Consult with one of our professional agents to make sure you have the right coverage at a competitive price. We can evaluate your boat or jet ski insurance needs to find special coverages you may need or any discounts you may qualify for. Some additional discounts and coverages may include:

• Accident  forgiveness
• Roadside  Assistance
• Boat  Removal
• Boating  Safety
• Multi policy discounts

Even though Condo owners pay a mortgage and make their own repairs like any traditional homeowner would, they share some similar circumstances similar to those of renters. This is because their home is attached to other condo owner's homes and they share a building or complex. This creates some unique circumstances and risks. Stefanelli Insurance Brokerage Insurance can help build a Condo Owners policy that fits the needs of your condo.

Condo Association insurance can help but it often is meant for the building itself rather than what's inside. This is where a condo insurance policy is different from a homeowner’s policy because you usually will just need to cover the valuables inside your condo.

Condo Insurance 

Let our agents explain how a condo insurance policy is tailored to your needs for coverage of valuables, appliances, property and the interior of the condo.

We have the experience and insurance companies to make sure you have all of what's important to keep you protected. We service all of NJ, NY and FL

Flood damage can be devastating for any family, and most flood losses are not covered by your standard home insurance policy. Also, don't rely on the federal government to assist you in the event of a massive flood situation.

Your standard New Jersey, New York and Florida flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals that are in flood zone areas. Typically, your flood insurance policy is dependent on your flood zone risk.

We have multiple options for your flood insurance in New Jersey, New York and Florida:

• Building, contents, replacement cost coverages
• Different coverage options available
• Standard flood insurance coverage
• Optional excess flood coverage
• Affordable rates
• 
  

Flood coverage Insurance 

Building coverage is designed to protect the structure of your home or business and cover appliances and other property items that are considered part of your property including air conditioners, dishwashers and cabinets. You will also want to consider coverage for your personal property as well, such as furniture and clothing.

Policies have different options so contact one of our staff at 973-331-0018 for any questions you may have about your Florida flood insurance policy.

• Insuring a Bright Future 
• Licensed to do Business in States: 
• New Jersey, New York and Florida 
• Corporate Office:   Montville NJ 07045
• Sub Home Offices: Lavallette NJ 08735, Jewett NY 12444
• South Palm Beach FL  33480
• Phone:   973-331-0019
• Fax:  973-331-0019
• Email:   info@StefanelliFinancial.com

Your home is the usually the biggest purchase you will make and is your most valuable asset. If you have any damage, you need an insurance Broker agent that will find the best company to fit your needs and settle your claims quickly. At Stefanelli  Insurance Brokerage, we will help you find the right fit for your needs with providing quality service and affordable pricing.

Homeowner policies will differ on where you live, the valuables in the home and which coverages you choose. A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.

At Stefanelli Insurance Brokerage we have the home insurance specialists that can tailor a specific package to your needs and risks. We have access to many top rated rated companies to find you the best fit at a fair price. We can quickly compare rates to ensure you don't have any gaps in coverage down the road.

• Property Coverage -      to pay for repairs to your home, garage or other buildings that are      damaged.
• Personal  Property -      if you have a loss of valuables in your home like jewelry, electronics or      guns due to theft or damage.
• Liability -  this will cover if there is a claim when someone is injured or their      property is damaged.
• Medical  Expenses -      this would-be  medical coverage for someone that is injured, other than a resident, on      your property.
• Living   Expenses -   if you have a complete loss, you may need extra temporary housing or food      when you're forced from your home.

There may also be other coverages that you many want to consider in addition to your basic home owners ’policy. These may include personal umbrella, automobile, flood, earthquake or jewelry insurance. Our agents at Stefanelli Insurance Brokerage can help you understand your other risks and help you evaluate whether you may need additional coverages in your home insurance plan.

Here are some additional lines of insurance that we service:

• High Value Homes
• Secondary Residences
• Windstorm

Stefanelli Insurance Brokerage can offer our customers precisely the coverage needed — no more, no less — at competitive and attractive rates. What's more, we have almost unlimited capacity backed with the security of some of the top-rated carriers in the industry.

There are certain types of landlord rental coverages that you may choose to add to your policy, including:

• Property – this will cover your property if  you have a loss due to fire, damage or vandalism.
• Income – this will help to compensate you for  any lost income that may occur from a covered loss.  This coverage  will reimburse lost income that you would have received if you had been  collecting rent.
• Liability – this will protect you from  liability losses like a claim or lawsuit.  You want to be protected if there is an injured person on your property.  Liability insurance  will help cover these costs like medical payments, legal fees or claims by  the tenant.
• Options – there are other options you may want  to add with your insurance agent like rent guarantee, disaster, employer  liability or content insurance.
• Landlord Insurance can protect you from any financial loss that may occur to your rental property from accidents, injuries or lawsuits.  Since landlord insurance is very cost effective, it is always a good idea to be protected in case of a loss.

Stefanelli Insurance Brokerage, we can assist you in finding the right coverage for an affordable price for your mobile home or manufactured home insurance. Many times, a mobile home is a more affordable way to become a homeowner and you'll need similar coverage that a homeowner would need.

When purchasing a mobile home, you may not be aware that it requires different coverages than a normal homeowner’s policy. These manufactured homes have special requirements due to the transportability and construction. Our professionals at Stefanelli Insurance Brokerage, can find the right options to cover your mobile home assets and liabilities.

• Structures
• Personal Property
• Protection from flood and other weather
• Accidental damage
• Loss of use
• And many others 

We pride ourselves in customer service with the lowest possible rate. Just contact us today at Stefanelli Insurance Brokerage 973-331-0018 

We are a New Jersey based insurance Broker that specializes in motorcycle coverage. We will shop the best motorcycle insurance companies in NJ NY and FL to find you the best coverage at an affordable price. You can either fill out our online quote form or contact us at 973-331-0018 for a free, no-obligation quote.

Insurance companies will take into consideration many different factors when insuring your motorcycle. One company is not always the best fit for everyone, that is why we compare companies for you. These factors include:

• Driving record
• Credit History
• Your Age, Address
• The Type of Motorcycle
• The Number of Drivers

Most companies offer coverages similar to auto insurance policy. This would include your bodily injury and property damage liability. You may also consider additional Florida motorcycle insurance including medical payments, comprehensive and collision coverage. Uninsured motorist covers you in the event you are injured by someone who does not carry insurance or may not have enough insurance to cover your injuries.

You may also qualify for discounts that could possibly lower your premiums. These may include:

• Multiple policies with our company
• Safety courses that you may have taken
• Renewals
• Insurance on more than one motorcycle
• 
  

So, let us take a look at your current policy and evaluate your personal, financial and lifestyle changes for your motorcycle insurance. We can service your motorcycle insurance needs.

Umbrella insurance is there to protect you if you are liable for something big. Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies.

For example, if you're in a big car accident and need to cover replacement and medical costs, umbrella insurance can help in these extra costs. Instead of just having your normal auto insurance coverage, Florida umbrella insurance gives you the additional coverage you may need.

Umbrella Insurance can assist in the claim and payment processes by covering costs when all other insurance is exhausted. This makes the handling of claims and payments made a much easier process. Stefanelli Insurance Brokerage 973-331-0018 can help find the right umbrella policy to fit your needs..

You may be speculative why it's necessary to hold a renter’s insurance. Rental properties, particularly apartments are thought-about risky once it involves potential claims. You share a building with plenty of individuals where fires, theft, and water harm are sometimes frequent. There are many potential risks and your property is in danger. The items you own are valuable and you should shield them from a loss. Besides, renter’s insurance in most cases is extremely cheap.

What will renter’s insurance shield against?

Stefanelli Insurance Brokerage 973-331-0018 we know the primary concerns with renting a home or apartment, and renter's insurance protects you from a range of threats and dangers that would occur with a rented unit. Upon purchase renter's insurance, you're covering yourself against several things like fireplace, lightening, riots, aircraft, vehicles, smoke, windstorms, vandalism, theft, falling objects, water harm, electrical harm and a number of other problems.

Selecting the right amount of renter’s insurance

Stefanelli Insurance Brokerage 973-331-0018 we can facilitate that your valuables are insured. Once you decide the amount of coverage you need, we can tailor a package to fit your renter’s insurance needs.

• Personal Property coverage in case of fire,  theft or damage.
• Liability coverage for risk of accident at your rental
• Other coverage options also available

As with many kinds of insurance, your premium can rely on your deductible and any extra coverage you decide to select. To recognize the worth of your things, keep receipts. You should additionally keep an inventory of all the things you own, and use caution to not underestimate their price. You should possibly consider photographing or videotaping every space and storing the images in a fireproof box. Today, many folks file things digitally or at a safety lock box at the bank.

To ensure that your valuables can be protected, buying renter's insurance offers you peace of mind and also the assurance that if something is lost, you may be ready to replace it. Contact us today Stefanelli Insurance Brokerage 973-331-0018 and learn additional information regarding Renter's Insurance and precisely what proportion you wish.  As a Broker,  we're partnered with several of the highest renter's insurance corporations within the business. This means we can compare rates and policies with many different carriers and find the policy and value that works best for you.

Errors & Omissions (E&O) insurance is a form of liability coverage that protects your business from claims of professional negligence. Considering the fact that these cases can be lengthy, the potential cost to the business can sometimes be catastrophic.

Even suits with no merit that are filed can damage your business if you're not protected. At Stefanelli Insurance Brokerage 973-331-0018, we don't leave you to fend for yourself. We'll help you evaluate your E & O protection on an ongoing basis to make sure you have the right policy at the right price for your particular business needs.

Some of the categories or professions that typically protect themselves from 

E & O risks are:

• Consultants
• Financial Advisors
• Architects
• Real Estate Appraisers
• Brokers & Agents (varied)
• Attorneys
• Accountants 

Professional Liability Insurance or PLI is a form of liability insurance necessary to help protect businesses in the service or consultant industry. A claim of negligence can be very damaging to a growing business and if the claim results in monetary damages can be catastrophic.

At Stefanelli Insurance Brokerage 973-331-0018 we have the experience and expertise to evaluate the risks associated with your service or consultative related business or profession and provide appropriate coverage through one of our highly rated insurance companies.

Professional Liability can take on different forms or names. Some of the types of coverage included are:

Protecting Businesses 

Professional Liability Insurance covers potential losses that are not typically covered with a general liability policy. Some of the businesses / professionals we help are:

• Insurance Agents
• Consultants
• Brokers
• Lawyers
• Engineers
• Accountants
• Medical Professionals
• 
  

Give us a call today and let one of our experience agents evaluate the Liability risks unique to your business or profession at 973-331-0018 

                                We service liability insurance in NJ NY FL. 

What does your pet insurance cover?

With illness coverage, you can get reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections (UTIs). It can cover expenses for everything from diagnosing the health condition to the treatments your pet needs to get better.. 

     Like human health insurance, pet insurance companies help alleviate some of the costs of keeping your pet healthy. You can choose from different levels of coverage, with each plan costing a monthly or annual premium based on how much coverage you choose.

5 pet insurance benefits

Like any type of insurance policy there are pros and cons associated with pet insurance. Here are a few advantages of pet insurance.

1. You can go to your preferred veterinarian

Unlike your own health insurance that requires you to visit an in-network physician, pet insurance doesn't enforce the same restrictions. You can visit any licensed vet or specialist and your pet can be seen at any vet clinic or hospital for care.

2. You’ll get financial relief

Depending on the insurance coverage you choose, pet insurance can help alleviate the financial burden of unforeseen veterinary costs. Some pet insurance options cover 70% to 90% of your claim, and a few insurers even cover 100% of costs (although this is rarer to find).

3. More employers are offering pet insurance

The American Pet Products Association’s latest survey found that millennials are currently the largest generation of pet owners. With this in mind, it’s no surprise that some employers are adding pet insurance plans to their list of employee benefits. 

4. You can customize coverage

Pet insurance offers the flexibility of creating a coverage plan to meet your pet’s specific needs. You can often combine different tiers of pet insurance plans (for example, accident and illness). Insurers also provide you the option of choosing your deductible amounts based on your budget.

5. You’ll gain confidence knowing you have protection

Seeing your pet injured or in pain is already difficult to get through. Facing a sudden $2,000 procedure that you can’t afford can put you in an even more heartbreaking situation. No one wants to have to make the painful choice between paying the mortgage or losing a cherished companion. 

Pet insurance can provide financial support for pet parents so they don’t have to put a price limit on their pet’s life 

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