Business Insurance

Generazio Associates, Inc. has been serving the insurance needs of businesses throughout New Jersey, New York, Connecticut, Pennsylvania, and beyond for more than 45 years. We understand the importance of business insurance in our area.

For this reason, we’ve partnered with some of the biggest names in the insurance business to bring you a wide range of customizable insurance options to meet your unique protection needs without breaking your budget.

These are a few of the key coverages we offer.

Commercial Trucking Insurance

Trucking insurance provides protection for a wide range of organizations, including those involved in:

  • Long haul deliveries
  • Local deliveries
  • Trucking for hire
  • More

We understand that you face unique needs and challenges when it comes to finding the right insurance coverage at the right price to meet them. From concerns about damaging cargo, to pollution, and liability issues, there is no shortage of worries for fleet owners to manage.

The right insurance helps to reduce your exposure when accidents, property damage, and other injuries occur.

Apartments/Condo Association Insurance

Apartments and condo associations have different needs when it comes to insurance. Fortunately, as an independent agency, we have access to insurance products that meet the needs of condo associations and apartment buildings.

We are also here to help you understand the different needs each type of business faces, so you can be confident you have the perfect coverage for your needs.

Building Insurance

Every business that operates out of a physical building needs building insurance. It is often included as part of a standard “business owner’s policy.” However, depending on your specific building, it may be in your best interest to invest more in your building insurance coverage to provide sufficient protection if a covered event damages your building.

Additionally, consider investing in coverage that protects your lost income while repairs or rebuilding occurs.

Restaurant Insurance

Restaurants have very specific and unique insurance coverage needs that aren’t generally covered, in full, by the average business insurance policy. This includes things like:

  • Equipment breakdown insurance
  • Food spoilage
  • Liquor liability
  • Umbrella liability
  • Employment practices liability

The better you understand your insurance options, the better prepared you can be to get the insurance you require. We can help with that!

Auto Repair / Garage Insurance

Getting the right coverage for your auto repair or mechanic’s garage can make a world of difference for your ability to recover when disasters strike. In addition to various types of liability coverages, you also have expensive diagnostic equipment to maintain that may require special coverage and insurance protection – beyond the standard contents or inventory protections.

Business Owners & Commercial Packages

These packages include basic products that all businesses need. They are great “starter sets,” if you will, for insurance, but should never be the sum total of your coverage. They offer basic but limited coverage against general liability, property damage, and more, but do not offer full-scale insurance for your business.

Contractors Insurance

Contractors face unique needs when it comes to insurance.  From materials and tools used in construction to the environmental impact of your construction efforts, to the safety of the buildings you build, it is vital that you have the proper insurance protection today and into the future.

Commercial Auto Insurance

Whether you own a fleet of vehicles for your business, own a couple of cars for your business, or have employees who use personal vehicles to conduct business on your half, you need to make sure you have the appropriate insurance coverage to protect your interests and your business.

Wineries & Craft Breweries Insurance

In addition to standard types of restaurant insurance products, wineries and craft breweries need additional protection to manage liabilities related to alcohol.

Workers Compensation Insurance

Required by law in all states across the country, workers compensation insurance helps you protect your most valuable assets, the men and women who work for you by offering protection for their medical needs and a portion of their lost income if they become injured or sick while working for your business.

Generazio Associates, Inc. is an independent insurance agency that believes in delivering exceptional products and services every time.

Call us at 973-429-8100 or contact us online to learn more about our impressive selection of customizable insurance products to meet your business needs.