New Jersey has 9,343,809 residents. We list 18 agencies for commercial umbrella insurance in New Jersey. Here is what the local numbers say about the cover people here need.

New Jersey at a glance

18commercial umbrella insurance agencies listed
36.2%of households rentRenters insurance
$454,400median home valueHome insurance
1970median year homes were builtRebuild cost calculator
11.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across New Jersey

How many of New Jersey’s 21 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Strong wind21 of 21 counties
Very High in Monmouth County, Ocean County, Middlesex County and 9 more.
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in New Jersey
Winter weather17 of 21 counties
Very High in Middlesex County, Camden County, Ocean County and 10 more.
Inland flooding13 of 21 counties
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in every state
Lightning13 of 21 counties
Very High in Monmouth County, Ocean County, Passaic County and 1 more.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in New Jersey
Ice storm11 of 21 counties
Very High in Middlesex County, Burlington County, Mercer County and 2 more.
Coastal flooding10 of 21 counties
Very High in Bergen County, Cape May County, Ocean County and 3 more.
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Insurance companies New Jersey agencies work with

Of the 18 New Jersey agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

RLI18 agencies
Travelers13 agencies
Liberty Mutual11 agencies
The Hartford11 agencies
AmTrust9 agencies
Chubb9 agencies
Chubb (ACE)9 agencies
Employers9 agencies
Philadelphia Insurance8 agencies
Travelers (Standard Fire)8 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Commercial Umbrella insurance in New Jersey

All insurance agencies in New Jersey · Commercial Umbrella insurance in every state

Where can I find commercial umbrella insurance in New Jersey?

Pick your city in the list on this page to see every agency there that offers commercial umbrella insurance, or search by name or ZIP code.

What does commercial umbrella insurance cover?

Extra liability limits above your general liability and commercial auto policies.

Which insurance companies do New Jersey agencies work with?

Among the 18 New Jersey agencies whose appointments we hold, the companies they are most often appointed with are RLI (18), Travelers (13), Liberty Mutual (11), The Hartford (11), AmTrust (9). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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