Client Portal

Experts You Can Trust. Service Beyond All Expectations.

Providing expert counsel, advocating for our clients and serving their needs is what we do best.

Get A Quote
About Our Agency
close up photo beautiful family mother father cute little child who are looking camera smiling sincerely 1 1 2 Liberty Insurance Providing expert counsel, advocating for our clients and serving their needs is what we do best.
About

Liberty Insurance Associates

At our client-focused agency, putting clients first is at the heart of everything we do. For over 80 years, we’ve built lasting partnerships by delivering personalized service and expert guidance from our dedicated agents—ensuring the highest quality insurance solutions every step of the way.

 

Learn More
About banner img 1 Liberty Insurance Providing expert counsel, advocating for our clients and serving their needs is what we do best.
Meet Our Team

You can rely on our experienced team of licensed agents to deliver trusted insurance solutions and expert guidance tailored to your needs.

Our Awards

We’re honored to have earned some of the most prestigious awards in the insurance industry, a testament to our dedication and excellence over the years.

Community Focused

Our agency is deeply committed to giving back, proudly supporting and sponsoring a wide range of local organizations that make a difference in our community.

Our Insurance Services

Liberty Insurance Associates provides a full range of services, including business insurance, personal insurance, wealth management, and coverage for life, health, and employee benefits.

View Our Insurance Specialties
Personal Insurance
Business Insurance
Life, Health & Benefits Insurance
Wealth Management
Clickable Coverage

Insurance is about more than just the cost of a policy.

Discover our interactive graphics to better understand your unique risks and the insurance solutions that can help protect you.

Business Insurance
Personal Insurance
Life, Health & Benefits Insurance
Clickable Coverage 1 Liberty Insurance Providing expert counsel, advocating for our clients and serving their needs is what we do best.

The Liberty Difference

At Liberty Insurance Associates, we prioritize expertise and are dedicated to giving you everything you need to find the right insurance for your business or family.

Counsel

Guiding our clients in selecting the right insurance while making the process simple and stress-free.

Advocacy

Supporting our clients and advocating for them in their interactions with insurance companies.

Service

Dedicated to meeting our clients’ needs—whether it’s selecting the right policy, answering questions, or assisting with claims.

Visit Our Office

Millstone Township, NJ Office
Proudly serving clients throughout New Jersey, including Millstone Township, Trenton, Toms River, New Brunswick and Princeton, NJ.
  • 525 State Route 33 Millstone Township, NJ 08535
View Office Details

Get In Touch

You can reach us anytime
We can only write insurance in NJ

Commercial Property Coverage

Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Note: Actual policies must be consulted for specific terms and conditions.

Business Auto Insurance

Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Note: Actual policies must be consulted for specific terms and conditions.

Contractors' Equipment Coverage

Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.

Solution

As a contractor, you need contractors’ equipment insurance – a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors’ equipment insurance often covers losses caused by floods and earthquakes.

Note: Actual policies must be consulted for specific terms and conditions.

Builders Risk and Installation Insurance

Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.

Solution

Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors’ equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Note: Actual policies must be consulted for specific terms and conditions.

Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Note: Actual policies must be consulted for specific terms and conditions.

Commercial General Liability Coverage

Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Note: Actual policies must be consulted for specific terms and conditions.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Note: Actual policies must be consulted for specific terms and conditions.