Your Local New Jersey Insurance Agency
At Blue Rock Insurance Services, we proudly serve communities throughout New Jersey. We offer reliable and personalized insurance solutions. Whether you need to protect your home, car, business, or construction project, our experienced team is here to help. We provide clarity, competitive rates, and coverage you can trust.
We understand New Jersey’s unique risks—coastal storms, high-density neighborhoods, heavy traffic corridors, and evolving business environments. Our goal is simple: to help you choose the right protection with confidence and peace of mind.
No matter your location in the Garden State, we are here to assist you. Whether you are in Jersey City, Newark, Hoboken, Atlantic City, the suburbs, or rural areas, we offer personalized service. Our goal is to help you find the right protection tailored to your needs.
Our Personal Insurance Services in New Jersey
Condo Unit Insurance
New Jersey is home to numerous condo associations. It is essential to protect your unit, personal belongings, and liability. We strive to ensure your coverage aligns with the master or association policy, preventing any gaps in protection.
Homeowners Insurance
From historic homes in Princeton to shore houses in Atlantic County, we provide coverage for homeowners. This coverage protects your home, your belongings, and your liability. We will make sure your policy meets the requirements set by lenders. It will also address the specific risks associated with living in New Jersey. These risks include coastal storms, snow, and wind damage.
Average Cost in NJ: About $1,150 per year, depending on home value, location, and coverage limits.
Personal Auto Insurance
New Jersey requires every driver to carry auto insurance. The Standard Policy (most common) includes:
Bodily Injury Liability: $25,000 per person / $50,000 per accident
Property Damage Liability: $25,000 per accident
Personal Injury Protection (PIP): $15,000 per person/accident
We will help you decide if meeting state minimums is enough. We will also evaluate if higher limits would provide better financial protection for you.
Personal Umbrella Insurance
Lawsuits can arise from surprising sources. A personal umbrella policy provides additional liability coverage beyond your standard auto or homeowners policies. This offers peace of mind in serious situations.
Renters Insurance
Even if you do not own your home, your personal belongings and liability risks still need protection. Renters insurance in New Jersey offers an affordable way to safeguard what matters most.
Worldwide Travel Insurance
Whether you're heading across state lines, overseas, or taking a quick trip out of the country, travel plans sometimes go awry. Medical emergencies, trip cancellations, lost luggage — travel insurance helps protect you from those unexpected hiccups.
What New Jersey Requires & What Affects Your Coverage?
Homeowners’ insurance is not required by law in NJ. However, most mortgage lenders will require you to carry homeowners’ insurance as a condition of your loan.
Insurers in New Jersey typically require homeowners to insure their homes for at least 80% of the replacement cost. This helps avoid penalties when filing a claim.
Personal auto insurance in NJ must meet minimum liability, property damage, and personal injury protection (PIP) requirements. As of a law change effective January 1, 2023:
• Bodily injury liability minimums: $25,000 per person / $50,000 per accident
• Property damage liability minimum: $25,000 per accident
• PIP minimum: $15,000 per person/accidentThere are different “tiers” or types of auto insurance policies: Standard and Basic. The Basic policy has more limited coverage; the Standard policy meets the full minimum liability and other required protections.
What Affects Insurance Costs in New Jersey?
Location: Coastal vs. inland, urban vs. rural
Home condition & age
Driving history & vehicle type
Deductible & coverage limits
Risk factors: Flood, wind, theft, fire
Typical Costs & What People in New Jersey Pay
Insurance costs vary across the Garden State depending on location, property value, driving history, and coverage levels. Here’s what residents typically pay for common personal insurance policies in New Jersey:
| Insurance Type | Typical Annual Cost | What Affects Price |
|---|---|---|
| Homeowners Insurance | ≈ $1,150/year (varies by location and home value) | Home value, age, construction type, coastal risk, proximity to fire services, deductible chosen. |
| Renters Insurance | ≈ $207/year (~$17/month) for $40K property & $300K liability | Coverage limits, deductible, building type, theft/flood risk, ZIP code. |
| Auto Insurance (Minimum Coverage) | Premiums vary widely, but NJ requires: - $25K/$50K bodily injury - $25K property damage - $15K PIP |
Driving history, vehicle type, policy type (Basic vs. Standard), coverage limits, ZIP code. |
| Umbrella Insurance | ≈ $150–$300/year for $1M in extra liability coverage | Amount of coverage purchased, risk profile, number of homes/vehicles covered. |
Key Takeaway: Insurance in New Jersey is affordable compared to the protection it provides. Costs vary by location, coverage level, and personal risk factors — but having the right policy in place can save you thousands in the event of an accident, storm, or liability claim.
How to Save on New Jersey Homeowners Insurance?
Save on homeowners’ insurance in New Jersey by exploring factors that influence rates, comparing multiple quotes, and leveraging discounts. Discover the best coverage with our practical tips.
Our Commercial Insurance Services in New Jersey
Commercial Auto Insurance
If your business owns or operates vehicles in New Jersey, commercial auto insurance is essential. It provides coverage for company cars, trucks, and vans against accidents, property damage, and liability claims. We make sure you meet New Jersey’s state requirements while protecting your drivers and your bottom line.
Commercial Property Insurance
Your physical assets—buildings, equipment, and inventory—are vital to your business. Commercial property insurance safeguards them from fire, theft, vandalism, and weather-related damage. In New Jersey, where unpredictable storms can strike, this coverage is a must-have.
Commercial Umbrella Insurance
Sometimes standard policies aren’t enough. Commercial umbrella insurance gives your business an added layer of protection by extending liability coverage limits. This helps shield you from costly lawsuits or claims that exceed your primary policy limits.
General Liability Insurance
General liability insurance protects New Jersey businesses from third-party claims of bodily injury, property damage, and advertising injury. Whether you operate a retail store in Newark or a contracting business in Jersey City, this coverage is a cornerstone of business protection.
Inland Marine Insurance
Cover specialized property in transit or unique business equipment. Inland marine insurance is perfect for businesses that move valuable assets or equipment between locations.
Small Business Insurance
Tailored packages for small businesses, including liability, property, workers’ compensation, and more. Protect your employees and business operations with our comprehensive coverage.
Workers’ Compensation Insurance
Required by law in New Jersey, workers’ compensation insurance protects both your employees and your business. It covers medical expenses, lost wages, and rehabilitation for employees injured on the job, while shielding your business from costly lawsuits.
Surety Bonds
Many New Jersey industries—especially construction—require surety bonds to guarantee performance and compliance. We provide a variety of bonds, from contract bonds to license and permit bonds, helping you meet state and project requirements.
Special Event Insurance
Hosting a corporate event, trade show, or community gathering in New Jersey? Special event insurance protects against unexpected cancellations, property damage, and liability claims, ensuring your event runs smoothly and safely.
What Businesses in New Jersey Must Have?
Here are some of the key insurance types required by law in NJ, or strongly recommended for many businesses:
Workers’ Compensation Insurance
Any business in New Jersey with one or more employees must have workers’ compensation insurance. Alternatively, they can be approved for self-insurance.Commercial Auto Insurance
If your business owns vehicles, they must be covered under a commercial auto policy. Additionally, new laws will take effect on July 1, 2024. These laws will raise the minimum liability insurance for commercial motor vehicles based on their weight.General Liability & Commercial Property Insurance
While not always legally required, many lenders, landlords, or clients will demand liability coverage and property insurance in contracts. If you own or lease property, this coverage helps protect you from lawsuits, damage, and financial loss.Professional Liability / Errors & Omissions (E&O)
Businesses that provide professional services, such as consultants, architects, and accountants, often require this protection. It safeguards them against claims of errors or negligence.Umbrella Liability Insurance
For added protection above and beyond primary liability limits—especially important for businesses with high exposure or large assets. (Not always required, but can offer peace of mind.)Commercial Flood Insurance / Environmental Coverage
If your property is in a flood zone or your operations involve environmental risks, you may need specialized coverage. Many mortgage lenders or lease agreements require it.
Typical Costs & What New Jersey Businesses Pay
Commercial insurance costs vary depending on the size of your business, industry, number of employees, and coverage limits. Here’s a look at what New Jersey businesses typically pay for common policies:
| Coverage Type | Typical New Jersey Cost Range | What New Jersey Businesses Actually Pay |
|---|---|---|
| General Liability Insurance | $500 – $1,200 per year | Small contractors and retail shops in NJ often pay around $700 – $900 annually. |
| Workers’ Compensation | $0.75 – $2.74 per $100 in payroll | NJ businesses average about $1.35 per $100 in payroll, depending on the industry risk level. |
| Commercial Auto Insurance | $1,200 – $3,000 per vehicle annually | Delivery and contracting companies in NJ often pay $1,800 – $2,200 per vehicle. |
| Commercial Property Insurance | $1,000 – $3,500 per year | Businesses in flood-prone NJ areas average closer to $2,500 annually. |
| Commercial Umbrella Insurance | $400 – $1,500 per year | Many NJ businesses add umbrella coverage for $600 – $900 annually. |
| Surety Bonds | 1% – 10% of bond amount | NJ contractors often pay $500 – $2,500, depending on credit and bond size. |
Key Takeaway: New Jersey businesses typically pay slightly higher commercial insurance premiums compared to the national average, largely due to higher population density, stricter state requirements, and coastal weather risks. Tailored policies can help lower costs while keeping your business fully protected.
*These figures are estimates and averages; your actual cost could be lower or higher.
Our Contractor Insurance Services in New Jersey
Contractor Insurance
Tailored coverage for general contractors, subcontractors, and specialized trades. This policy safeguards against third-party bodily injury, property damage, and legal claims arising from your operations. It's essential for compliance with New Jersey state regulations and to maintain your business's reputation.
Builder’s Risk Insurance
Also known as course of construction insurance, this policy protects buildings and structures during the construction or renovation phase. Coverage includes damages from fire, theft, vandalism, and certain weather-related events. It's crucial for both residential and commercial projects in New Jersey.
Owner’s Interest Policy
Designed for property owners, this policy covers your financial interests during construction. It addresses liability exposures when contractors are working on your property, ensuring you're protected from potential claims.
Owner’s & Contractor Protective Liability Coverage (OCP)
This policy protects property owners and general contractors from liability arising from the actions of subcontractors. It's often required for large-scale construction projects in New Jersey and provides peace of mind by covering third-party bodily injury or property damage caused by subcontractors.
Get a Free Quote Today!
Are you prepared to safeguard your lifestyle in New Jersey? Blue Rock Insurance Services is here to assist you. We offer coverage for homeowners, auto, renters, travel, and umbrella liability.
Why Blue Rock Insurance Services?
Licensed across New Jersey, New York, Connecticut, Pennsylvania, and Massachusetts
Local expertise — we understand the risks unique to New Jersey
Personalized service — we’ll build a policy around your needs, not one-size-fits-all coverage
Access to multiple carriers, giving you more choice and competitive pricing
Renters insurance can protect your stored belongings — but only if you understand the limits. Learn what is included, what is not, and how to ensure your valuables are secure at home or in a storage unit.