The top-rated business insurance agent in Lodi, New Jersey is Theressa Parra - State Farm Insurance Agent, rated 4.9 stars across 219 reviews. Other highly rated options include Luisa C Hernandez: Primerica - Financial Services, Costello & Associates, Farmers Insurance - Ilda Cartaxo. This directory lists 12 business insurance agents serving Lodi.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Theressa Parra - State Farm Insurance Agent | 121 S Main St Ste C | (973) 685-4900 |
| 2 | Luisa C Hernandez: Primerica - Financial Services | 300-2 NJ-17 #3 | (201) 776-3395 |
| 3 | Costello & Associates | 265 Union St | (973) 777-8333 |
| 4 | Farmers Insurance - Ilda Cartaxo | 244 Harrison Ave | (973) 546-7400 |
| 5 | Frank Dillon: Primerica - Financial Services | 89 US-46 | (862) 247-8162 |
| 6 | Primerica/ Carlos Salazar | 147 Main St #7 | (973) 272-2171 |
| 7 | Medicare Help - AIM Senior Advisors | 164 US-46 | (973) 470-8333 |
| 8 | Primerica Maritza Montanez | 300-2 NJ-17 #3 | (201) 686-3012 |
| 9 | Theressa Parra Ins Agency Inc | 121 S Main St | (973) 685-4900 |
| 10 | SK & ASSOCIATES LLC | 325 Passaic Ave | (973) 471-0900 |
Theressa Parra - State Farm Insurance Agent serves the Lodi, New Jersey area and surrounding Bergen County. The agency provides a full range of business insurance options designed for local companies. It focuses on helping small business owners protect their assets, property, and daily operations from unexpected financial risks. Risk management consultations are offered to identify specific coverage needs. The agency handles general liability coverage and commercial property insurance tailored for businesses in this community.
Luisa C Hernandez: Primerica - Financial Services offers business insurance solutions for homeowners, small business owners, and property managers in Lodi, New Jersey. The agency provides coverage options tailored to protect commercial assets, liability exposures, and income streams. Clients receive guidance on policy selection for general liability and property protection. The firm also serves clients in surrounding communities such as Hackensack and the greater Bergen County metro area.
Costello & Associates in Lodi, NJ provides a comprehensive range of business insurance services, including general liability, property, and workers' compensation coverage. The firm offers regular policy reviews and proactive risk management consultations to help clients adapt their coverage as their operations evolve. It services a variety of commercial properties such as single-family homes used for small businesses, apartment complexes, retail storefronts, and local restaurants, tailoring each plan to specific operational risks in the area.
Farmers Insurance - Ilda Cartaxo serves Lodi, New Jersey, and the surrounding communities, handling business insurance coverage for local commercial clients. It addresses typical risks that area small business owners face, from liability concerns to property protection needs. For each engagement, the agency first evaluates the specific operations of the business to identify unique exposures, then reviews available policy options from its carrier portfolio. It follows this with a clear presentation of coverage choices tailored to the client's operational profile, ensuring every recommendation directly addresses the assessed risk scenario.
Frank Dillon: Primerica - Financial Services specializes in business insurance agent services, offering customized coverage plans for commercial risk management. The company guides local independent business owners in Lodi, New Jersey, through the process of securing appropriate liability and property policies for their operations. It provides general financial advising support to help small enterprises in the area maintain stability against everyday operational hazards. As the winter season approaches, the firm frequently assists clients in assessing business interruption risks related to potential snow-related closures or reduced customer foot traffic.
Primerica/ Carlos Salazar offers both one-time consultations and recurring service plans for local businesses, helping clients manage general liability and property coverage. As a business insurance agent in Lodi, NJ, the agency works with companies to assess risk and secure appropriate policies. Services are available on both an as-needed and scheduled basis, depending on client preferences for ongoing support or single-point guidance.
As local businesses in Lodi, NJ, prepare for seasonal shifts and regulatory updates, they often need experienced guidance to adjust their coverage. Medicare Help - AIM Senior Advisors provides personalized assistance in navigating business insurance policies, helping clients evaluate liability, property, and worker protections. The company focuses on matching each business with appropriate plans for its unique operations. Every new client engagement begins with a thorough on-site inspection of the business premises to identify specific coverage gaps and risk areas.
Serving businesses in Lodi, New Jersey, Primerica Maritza Montanez provides general liability and commercial property coverage as a business insurance agent. The agency can tailor policies to protect against common operational risks, income disruption, and property damage claims. Customizable add-ons such as workers’ compensation and professional liability insurance help shield smaller firms from unforeseen financial exposures. This service extends to offices requiring basic liability protection, warehouses needing inventory coverage, and food service establishments facing unique health and equipment risks.
Theressa Parra Ins Agency Inc serves residents of Lodi and the surrounding region, beginning with coverage for personal property and liability. The agency also provides commercial coverage for local businesses, protecting against operational risks and property damage. Serving the broader Bergen County area, it connects clients with policies suited to their specific needs. After initial appointments, the agency offers follow-up consultations to adjust coverage as circumstances change, and can be contacted between regular visits to address new business requirements.
SK & ASSOCIATES LLC is known for securing comprehensive property and liability protection for local businesses. Its service range covers general liability, commercial property, and workers compensation policies tailored to small and mid-sized enterprises. Agents in Lodi, NJ help entrepreneurs assess risk across retail, office, and light industrial sectors. Clients receive guidance on deductibles and coverage limits to match their specific operational exposures. A specialty service it adds on is cyber liability insurance to protect businesses from data breach and digital security threats.
What Does a a Business Insurance Agent in Lodi Cost?
Typical costs for a business insurance policy in New Jersey range from $500 to $3,000 per year for a small business general liability policy. Workers compensation premiums are based on payroll and industry classification, often starting around $1,000 per year for low-risk businesses. Commercial auto insurance adds $1,200 to $2,400 per vehicle annually. Actual costs vary by business size, location in Lodi, claims history, and coverage limits. This is general information, not insurance advice.
About business insurance agents in Lodi
Business insurance agents in Lodi, New Jersey help local companies find coverage that meets state requirements. New Jersey law mandates workers compensation insurance for most employers with one or more employees. Agents can also advise on commercial general liability and property insurance to protect against common risks in Bergen County.
Frequently Asked Questions
What types of business insurance do I need in Lodi New Jersey?
Most businesses in Lodi need general liability insurance and property insurance. New Jersey law requires workers compensation insurance for businesses with one or more employees. Commercial auto insurance is also required if you use vehicles for business purposes.
How do I choose a business insurance agent in Lodi?
Look for an agent licensed in New Jersey who has experience with businesses in your industry. Ask about their knowledge of local risks in Lodi and Bergen County. Check that they can offer policies from multiple insurance carriers.
Is business insurance required by law in New Jersey?
New Jersey requires workers compensation insurance for almost all employers with one or more employees. Commercial auto insurance is required for business vehicles. General liability insurance is not required by state law but is often required by landlords or clients.
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