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Commercial Property Insurance

Business insurance is an excellent way to allow you to concentrate on profit, without being blindsided by unexpected liability.

The costs associated with a business insurance policy are small compared with the large risks that you’ll be protected against. Our insurance is a collection of protective insurance policies for any business owner to protect against some of the greatest risks in business. It can shield you from losses arising from property, employee, or customer claims.

Large and National
Larger clients with broad, national or international exposure have unique coverage needs. Hurley Agencies National and International Accounts team understands the obstacles that arise due to varying international regulations, and works to protect clients against those risks. insurance commercial liability insurance commercial insurance

Your policy should provide adequate coverage to protect you from personal liability in the event someone else is injured on your property. This element of coverage is there to pay for things like the injured person’s medical expenses, rehabilitation and sometimes even lost wages for a period of time, up to predefined policy limits. This liability coverage also protects you in case you are sued by someone who feels reputational harm was done to them either by you or someone in your home. In a similar fashion, liability coverage is expanding into the realm of the internet, offering policyholders help and assistance in any number of ways that relate to social media hazing or internet bullying.

The amount of coverage you have on your home should cover the costs needed to rebuild your home; this is often more than the current real estate value of the home. While it may be tempting to save money by reducing coverage to a lower amount, you could end up in a situation where the insurance proceeds are insufficient when you actually need them.

The experienced insurance professionals at Hurley Agency can help make sure your coverage is sufficient and appropriate, while keeping an eye on costs. With access to a wide array of well-known insurance companies, we can help you find affordable coverage that will be there for you if you ever need it. high net worth home insurance nj, high value home insurance, high value insurance agency

Small and Specialty
If you recently started your business or are still working on gaining traction in your market, you need to keep a close eye on risks that could both derail your plans and your budget. While a large national or global company might be able to self-insure certain risks, most small business owners could not weather a major loss without the protection offered through insurance. Finding insurance solutions that will protect your business, its property, employees and customers is critical to the long-term success of your business, but those solutions also need to be affordable and tailored to you.

As a small business owner, your specific insurance needs will depend on your industry and what types of products or services you offer. It is important to work with an insurance provider that has its finger on the pulse of your industry and who can offer solutions that will meet the unique risks you face every day.

Hurley Agency, as a full-service insurance agency, does more than simply sell commercial insurance products to business owners. We also provide underwriting on various risks and pride ourselves on providing exceptional customer service to every client – no matter how big or small the business. We also offer personalized claims service, so when you experience a loss, you can get back to serving your customers as quickly as possible. Small business owners have a lot on their plates at any given time, so it can be comforting knowing that all of your commercial insurance needs are covered under one broad policy.

In addition to offering general commercial insurance products, Hurley Agency also has access to specialty insurance markets with programs geared toward certain types of clients. We also offer niche coverage for specific industries.

Middle Market
Regardless of industry or geographical location, medium-sized businesses have more insurance needs than small and start-up businesses but may not yet need the breadth of coverage types and options of larger national and international businesses. Hurley Agency’s Middle Market Division provides underwriting and customer service designed for the specific needs of medium-sized businesses. Solutions proposed may include bundled products, where several different types of coverage are made available under one policy, or foundational commercial liability and property policies with additional coverages added as needed.

To help you identify your business’s specific risks and insurance coverage requirements, Hurley Agency’s Middle Markets Division will need to understand your business. By asking questions designed to help us understand the products and services you offer, the geographical markets you operate in, how many employees you have and what they do for your company, your existing insurance coverage and your previous claims experience, our insurance professionals can uncover potential areas of risk you may not have recognized.

Hurley Agency’s Middle Market Division works with all types of businesses and uses both “standard” insurance carriers as well as “specialty” carriers, whichever is most appropriate given your business’s unique circumstances and needs. Whether you need to protect employees, autos, business property and/or your customers, Hurley Agency works with well-known insurance carriers to help mitigate your risks. Specialty coverage and policy endorsements are available to meet less common coverage needs.

We seek to offer a one-stop, end-to-end solution for medium-sized businesses by helping analyze business risk, underwrite those risks, place coverage with competitive carriers and provide personalized and responsive client service when needed. If and when our clients experience covered losses, we assist with the claims administration process, helping to make our clients “whole” as quickly and efficiently as possible.

Hurley Agency also helps middle-market clients by helping them re-evaluate their coverage periodically. A lot can change for a mid-sized business over the course of a year, so it is important to make sure your commercial insurance coverage is keeping pace and that it will be there for you if and when you need it most.

Manufacturing businesses face many risks. While prevention is always the best cure for most risks, proper planning and preparation can only do so much. Which is why it’s so important to have manufacturing insurance to protect your business interests. From general insurance protection that all businesses share to insurance protection needs unique to manufacturing, we have the right protection and coverage to meet your insurance protection needs.

Why Insurance is So Important for Manufacturing Businesses

“Manufacturing” is a term that covers businesses that handle a wide range of functions in the world of business. Your business may be involved in any one of the following, or something else entirely, requiring specialized insurance protection a general business policy doesn’t provide:


Any business that works with metals and/or plastics faces similar risks to consider. Think of the tools you use on a typical day and the risks they alone pose to your workers.

Band saws
Drill Presses
Welding equipment
Milling machines
Gear shapers
Grinding machines
Broaching machines
Threading machines

Operating these machines and pieces of equipment requires a certain amount of skill and experience. Even then, accidents happen, making worker’s compensation insurance, one of the most important protections you can buy to protect your people and your business interests.

Contact us here at the Hurley Agency to learn more about the specific manufacturing insurance protection, and risk mitigation needs your business faces and how to get the right insurance protection to cover your bases. We work with small and middle-market businesses and well as in a multi-state and some multinational businesses.