Our Industries Habitational

You focus on making your community the best it can be; we will focus on keeping it that way!

They house families, friends, events and memories. All of which need protection from the unforeseen. Formulating an effective plan to control costs and prevent losses requires expertise. We’ve built our agency serving communities for over 100 years. Let us help you develop a plan that puts you in the driver’s seat giving you the control to predict your insurable future.

Lines of Coverage

Core Coverages

  • General Liability
  • Property
  • Director’s & Officers
  • Crime
  • Pollution Liability
  • Worker’s Compensation
  • Umbrella
  • Business Auto

Industry Specific Coverages

  • Cyber
  • Renters Legal Liability
  • Earthquake
  • Flood

Risk Management

Traditional Services

  • Loss run review
  • On-site inspection
  • Property value determination
  • Hazard analysis

JGS Services

  • Pre-renewal strategy meeting
  • Governing document analysis
  • Vendor contract review
  • Picture Perfect Meeting

Claims Advocacy

The PPP Process.

Clear goals and a plan are the first steps to success

Diagnostic Review
Diagnostic Review

Understand business operation and industry trends

Create an executive summary

Develop risk strategy plan

Growing Your Business Safely
Growing Your Business Safely

Create a strategy to manage growth

Predict growth exposure and risk

Modify Proactive Service Timeline to address additional exposures and the next years concerns.

What happens if you don’t?

Insurance is addressed once a year at renewal

A snapshot is taken as your history portrays it

Premiums reflect insurance carriers nervousness and losses continue to climb

Get Started
Develop a Plan
Develop a Plan

Identify exposures, growth opportunities and threats

Customize specific plan to address exposures

Assign dates and accountability to each task

Managing Your Plan
Managing Your Plan

Communicate your vision to your employees and external parties if applicable

Develop accurate risk forecasts

Compare planned versus actual performance


Case Studies

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Exposure and Coverage Analysis

Situation A large consulting firm in New York had a long standing relationship with their...

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Penalty Crisis Averted

Situation A manufacturing company in New Jersey with 200 employees had a long standing relationship...

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Personalized Contract Review

Situation Wholesale florist with plant maintenance contracts for over 100 commercial buildings. This client also...

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