We remain a mutual company but have expanded our sphere of service to include the entire state of New Jersey. Our personal and commercial insurance property and casualty products have also grown in scope and flexibility in order to meet the needs of our state residents and business owners. All of our products are sold through independent professional insurance agents.

• Businessowners
• Workers Compensation
• Food Service Specialty
• Commercial Package Policy
• Commercial Fire
• General Liability
• Small Contractors
• Commercial Umbrella Liability
• Commercial Automobile

 

This class targets Main Street, USA. This program provides property, liability, business interruption and crime coverage for your small to medium size business or office.

Some eligible classes:

• Appliances
• Automobile Accessories
• Beauty and Barber Shops
• Carpet and Floor Covering
• Clothing
• Department
• Drug Stores
• Florists
• Funeral Homes
• Gift Shops
• Hardware
• Jewelers
• Leather Products
• Millings and Trimmings
• Musical Instruments
• Offices, including Professional Offices
• Office Machines
• One Hour Photo
• Optical Goods
• Package Stores
• Paint & Wall Covering
• Sporting Goods
• Stationary, Books & Magazines
• Television Stores & Computers
• Textiles, Patterns & Material

 

While commercial support is required we will entertain most classes. A 10% discount is available on eligible risks.

 

This program has been designed to specifically meet the important insurance needs of specialty food store owners.

Eligible classes of business are:

• Bagel Shops
• Bakeries
• Butcher Shops
• Cheese Shops
• Delicatessans
• Gourmet Food Shops
• Green Groceries
• Health Food Shops
• Ice Cream Shops
• Pizzerias
• Restaurants
• Seafood Shops

 

While specialty programs and E-Z rate BOP policies handle most exposures, there is a product for the exceptions. The CPP will handle those classes that do not normally fit on a Businessowners policy. Property, Liability, Business Interruption and Equipment Breakdown coverage is available.

 

Sometimes there is only a need for property coverage. Our commercial fire policy offers coverage on you building and contents and we will include equipment breakdown.

 

Mono-line General Liability is available for risks that fall outside our normal program business. Liability limits up to $1,000,000 are available.

 

Examples of eligible operations:

• Air Conditioning or Heating Systems ( Installation/Repair)
• Interior Decorators
• Carpentry – Interior Only
• Drywall Installation
• Electrical Work within Buildings
• Fence Erection
• Carpet & Wood Flooring Installation
• Carpet Cleaning
• Painting (No Spray Painting)
• Plumbing
• Janitorial (No Floor Waxing)
• Tile or Stone Work

 

Increases the coverage provided by your primary general liability and Commercial Automobile Liability policies. Limits up to $5,000,000.

 

Flemington’s Commerical Automobile Program provides highly competitive rates and targets small fleets in the light to medium weight class. This coverage is only written when supported by other coverages. We do not write taxis, limousines, buses or tractor trailers.

New Jersey Pre-Certification and Decision Point Review Process.