Providing Cost Effective Insurance Solutions For NJ

We focus on small- to medium-size businesses In New Jersey
And Higher Value & Hard To Place Homes

“.. One of the biggest complaints about the Insurance “Biz” it that you have to bare your soul just to find out if you like the price…. No other business works that way!” PJ Giannini – Association Agency Inc

Association Agency limits itself to specific areas of practice – a virtual handful at any one time.  This allows us to create a depth of knowledge and marketplace savvy that ‘general’ insurance agencies just don’t have.

Our goal is to “Leverage the Resources of the Billion Dollar Insurance Industry” for your benefit by:

  • Developing Underwriting Relationships
  • Working with carriers that actually compete for your business
  • Shortening the quote process and increase your options

Insurance is a major part of your operating expense and a critical component of your Risk Management Strategy.  The application and quote process shouldn’t become a nightmare!

  • Fax or email us a copy of the application you completed for your current insurance company
  • Get a premium indication within 48 business hours in most cases
    “… do business with an Independent Insurance Agent. You don’t want to do business with a company employee with only ONE thing to offer you!“ – PJ Giannini

What we offer

Business Insurance

  • Liability Insurance
  • General Liability
  • Professional Liability Insurance
  • Bonding
  • State License Bond
  • Employee (Dishonesty) Bonds
  • Auto Insurance
  • Owned Autos
  • Non Owned Autos
  • Workers Comp with
    • Fixed Cost and
    • “Pay As You Go” Options
  • Employment Practices Liability
  • Directors & Officers Liability
  • Excess Liability
  • Inland Marine

Personal Insurance

  • Homeowners Insurance Including
    • Condos
    • Co-Ops
  • Personal Umbrella Liability
  • Automobile Insurance
  • Workers Comp
  • Valuable Articles Coverage Including
    • Fine Arts
    • Jewelry
    • Collectibles
  • Special Events

In many ways, large personal lines accounts and small business accounts are quite similar.

A One Million home (in building limits) can actually represent over $2 Million in total property values at risk… and that’s for openers!

Many Small Business accounts don’t have those values at risk! Should you trust a “Green Lizard” to handle this for you… I think not.

PJ Giannini