Personal Insurance

Customized attention and a dedication to providing premier service is 


OUR COMMITMENT.

 
 

Discover the difference a personal consultation can make. Our caring and professional approach to personal insurance is the ideal experience for the affluent individual. Whether you are a first time home-buyer or insuring your vacation home, we specialize in identifying your exposures and designing insurance programs tailored to your needs.
 

Our access to premier insurance companies coupled with our consultation expertise provides an unparalleled personal insurance experience.

 

Experience the difference by calling our office today to refine your current program, or design a new one.

                                     

Pat Lavook

Personal Lines Manager, Emeritus – Advisor

P: 973.403.9500                                E: [email protected]

Doreen Herlinsky

Personal Lines Manager

P: 973.403.9500                                E: [email protected]

Your New Jersey Personal Insurance Experts

Who We Serve

Personal Insurance Coverage Options

  • Automobile Liability

  • Homeowner's Insurance

  • Renters Insurance

  • Catastrophe Liability

    • Flood​

    • Wind

    • Earthquake

  • Personal Excess / Umbrella​

  • Valuable Articles Coverage

  • Motorcycle / Vespa

  • Classic Automobile

  • Identity Theft

  • Personal Directors & Officers 

  • Employment Practices Liability

  • Workers' Compensation

  • Boat / Yacht Coverage

SUCCESSFUL INDIVIDUALS / FAMILIES

MULTIGENERATIONAL / FAMILY OFFICES

BUSINESS OWNERS / ENTREPRENEURS

Premier Services

​From the most basic of needs to the most robust personal insurance programs available, our premier services cover a range of offerings:

  • Evaluation of needs

  • Coordination of insurance programs

  • Identification of necessary personal risk management services

  • Identification of significant unique property features

  • Curating most efficient insurance program

 
 
Personal Risk Management Services

With the variety of issues that may occur, our Professional Insurance & Risk Managers leverage their expertise to support each & every client, regardless of what the issue is.​ No matter what your personal insurance exposure is, we have the solutions tailored to meet your needs. 

  • Home renovation issues

  • UM-UIM issues

  • Home employee issues

  • Workers' Compensation

  • Employment Practices Liability

  • Disability Benefits Law

  • Social Media Risk

  • Identity Issues

  • Home Businesses

  • Dogs/pets

  • Collections

  • Classic cars

  • Outside directorship issues

  • Home party exposures

  • Children beginning to drive

  • College bound children

  • Home-sharing (Airbnb)

Group Coverage

Typically offers broader protection, with higher limits, at a lower cost than individual policies:

  • Lower rates

  • Higher available coverage limits

    • (Including Uninsured/Underinsured Motorist Protection)

  • Additional coverages with no added cost

    • (ie. Identity Fraud and Kidnap Expense, Shadow and Defense Costs

**Required primary underlying liability limits apply

 
Homeowners Insurance Resources
Home Fire Safety and Batteries
Common Homeowners Insurance Claims
Home Fire Safety and Batteries
Fire Safety and Your Home
In The News

PARTNERED WITH THE WORLDS'S BEST A-RATED INSURANCE COMPANIES

 

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New Jersey

 

101 Eisenhower Parkway

Roseland, NJ 07068

P: 973-403--9500

E: [email protected]

New York

 

41 Madison Avenue, Suite 3107

New York, NY 10010

P: 212-977-9500

E: [email protected]

© copyright 2020. E.B. Cohen Insurance & Risk Management. All Rights Reserved.