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Experts You Can Trust. Service Beyond All Expectations.

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

About Our Agency

About Liberty Insurance Associates

As a client-focused agency, putting our clients first is what we do best. By becoming true partners with each and every client, and providing them with the caring and knowledgeable expertise of our agents, we have been committed to providing the best insurance services for more than 80 years.

Meet Our Team

You can count on our experienced team of licensed agents to bring you quality insurance services and advice.

Our Awards

We are proud to have received some of the most prestigious awards in the insurance industry over the years.

Community Focused

Our agency has been invested in giving back to the community through the support and sponsorship of many local organizations.

Clickable Coverage

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Business InsurancePersonal InsuranceLife, Health & Benefits Insurance
Contractor
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.

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 businessโ€™ physical assets.

Contractors' Equipment Coverage
Risk Factor

Youโ€™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.

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 contractorsโ€™ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insuranceโ€“a policy specially and the value of the property being constructed until it is completed.

Workersโ€™ 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.

Business Auto Insurance
Risk Factor

As a contractor, you have many exposures associated with your business vehiclesโ€“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.

Hold Harmless / Additional Insureds
Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.

Solution

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

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.

The Liberty Difference

Here at Liberty Insurance Associates, we value expertise and take pride in providing you with everything you need to get the right insurance for your business or family.

Counsel

Advising our clients on choosing the right insurance while simplifying the complex process along the way.

Advocacy

Standing behind our clients and advocating on their behalf when dealing with the insurance companies.

Service

Working hard to serve the needs of our clients from choosing a policy, answering questions and filing claims.

Visit Our Office

Millstone Township, NJ Office

525 State Route 33
Millstone Township, NJ 08535

Proudly serving clients throughout New Jersey, including Millstone Township, Trenton, Toms River, New Brunswick and Princeton, NJ.

Insurance Quote Request

As an independent agency, we offer multiple options at competitive prices.

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