Product Details- Mintz Girgan Brightly

Personal Insurance Products

Almost every household today owns or leases one or more automobiles. Owning, leasing, and driving cars, vans, and pick-up trucks puts people at risk for many types of losses. Owners and drivers can be held liable for the resulting bodily injury and property damage suffered by others in the event of an accident. And of course, the automobile itself can be damaged.

Therefore, it is imperative that you maintain the proper level of coverage for your vehicles. While auto policies may seem similar, it is important that you have the right limits to meet your specific needs. At Mintz Girgan & Brightly, our representatives will speak with you to get to know you and your particular situation. We have access to leading auto insurance carriers, and will obtain competitive quotes on your behalf. Once your policy is issued, our professional staff will be there to assist you in servicing all your insurance issues, including potential claims.

Homeowners

Whether you own a single family home, a townhouse, condominium, or a multi-family dwelling, your home is one of the single most important investments you possess. In addition, it may be filled with personal belongings that have been acquired over a lifetime. The homeowners' insurance policy is vital to protecting this precious asset and its contents from a loss.

The first component of a homeowners' policy is property insurance for the house, other structures and contents, which includes furniture, clothing and appliances. The type of policy determines which losses are covered, but we generally recommend the “special form” which covers you from all causes of loss (such as fire, lightening, smoke, theft, etc.) unless specifically excluded in the policy. Our experienced professionals will also discuss any coverage extensions you may need to protect your jewelry, collectibles, antiques or other special possessions.

Additionally, a homeowners' policy includes personal liability insurance, which protects the homeowner for accidental injuries caused to third parties and/or their property while at the residence. Examples of this type of coverage include dog bites, a guest falling down the stairs, or children injured while playing in your yard. Coverage is also available to protect for personal injury, which includes libel, slander or false arrest. In New Jersey, all homeowners' policies include coverage for workers compensation for residence employees.

At Mintz Girgan & Brightly our professional staff will eliminate the confusion of homeowners insurance, tailor your policy to meet your specific needs, and make sure your most important assets are protected.

Renter’s Insurance

Renter’s insurance is one of the most often overlooked types of insurance today. Many people who rent are under the false impression that they need to own their home to obtain insurance or that the landlord will provide coverage in the event of a loss. Whether you rent an apartment, condo or house, renter’s insurance is important coverage in protecting you and your belongings.

Renter’s insurance offers the same type of coverage found in a standard homeowners' policy for your contents and liability. The property section of the policy covers your belongings for the cost to repair or replace them in the event that they are damaged, destroyed or stolen while located either at your residence or while you are traveling. The liability section of the policy protects you in the event that you are held liable for damage and injuries sustained by third parties. Renter’s insurance also provides coverage for additional living expenses in the event you are forced out of your residence due to a covered loss and must temporarily live elsewhere. Additionally, scheduled valuable items such as jewelry or collectibles can be added to protect your special assets.

Contact the professional staff at Mintz Girgan & Brightly today to be sure you are properly protected.

Personal Umbrella and Excess Liability

The personal excess liability, or umbrella policy, is a form of liability insurance which protects the policyholder for claims over and above the limits on their primary homeowners’, automobile, or boat insurance policies. As such, it acts as an “umbrella” in providing protection over and above the coverage amounts on your underlying policies.

In our litigious society, we have to protect ourselves against lawsuits arising from damage to someone else’s property or an injury arising from an accident. If you own a home this type of protection is for you. Our professional staff will recommend personal excess liability coverage ranging from $1 to $10 million depending upon your particular situation.

Valuable Items

Many homeowners have valuable items such as jewelry, fine arts, antiques, collectibles, musical instruments, and silverware. Scheduling these items on your homeowners’ policy or insuring them separately on their own policy will provide you with the broadest possible coverage with no deductible applied in the event of a loss. Depending upon the particular type of item and its value, a detailed description, bill of sale, or a recent appraisal may be required to obtain coverage. Our experienced staff can recommend which type of coverage is best to protect your special assets.

Flood

Flood insurance protects against damage caused by the rising or overflowing of bodies of water, rapid accumulation of rain water, water backup from storm drains, and mudslides. Flood coverage is excluded in most homeowners’ and renters’ property insurance policies, so if your home is located in a flood prone area it is prudent to obtain this important coverage.

A flood policy only provides coverage to the building and contents inside, and will not cover boats, docks, bulkheads, landscaping or any property located outside the foundation walls of the insured’s home or building. Unlike a homeowners' policy, flood coverage does not provide for additional living expenses or loss of rents. To learn more about flood insurance, contact our professional staff.

Boat

Whether you own a personal watercraft such as a Jet Ski or Wave Runner, a small boat or yacht, Mintz Girgan & Brightly can secure coverage to properly protect your watercraft. A specific watercraft policy provides the appropriate level of coverage required to protect you and your watercraft against loss. Typical policies include coverage for property damage, liability, towing, personal property, and trailer coverage. If you own a watercraft, our dedicated staff is ready to assist you in obtaining the proper coverage.

Commercial Insurance Products

Property

A commercial property insurance policy provides coverage for the real and personal property that is used in your business. Mintz Girgan & Brightly can secure coverage for your tangible assets, such as buildings, equipment, and business contents. Whether you own or rent your business premises, it is imperative that both building and contents be properly insured against exposure to loss. Our experienced professionals will take the time to understand your business, and determine the suitable insurance coverage required to meet your specific needs.

General Liability

Whether your business is large or small, there are different types of liability that are inherent in owning a business. General liability insurance covers your business for third party losses involving bodily injury, property damage to others, advertising injury, and personal injury such as libel and slander. These losses to another party may result from your company’s products or from an accident on your property by a visitor.

Because of the complexity of each individual business, it’s important to speak with a professional at Mintz Girgan & Brightly who will assess your needs and select proper coverage for your business.

Business Automobile

Business automobile insurance provides auto liability and physical damage coverages for commercial vehicles. Like a personal automobile policy, the commercial auto policy includes coverage for bodily injury, physical damage, and uninsured motorists for vehicles owned by the business. However, the business also needs to be protected for other potential liability exposures. For example, what happens if an office employee is in an accident in his personal vehicle while on company business? The experienced staff at Mintz Girgan & Brightly can take the confusion out of the commercial auto policy, and make sure that you are covered for the potential automobile exposures your business faces.

Workers Compensation

Workers compensation insurance provides coverage to employees for any injuries or contracted diseases arising out of and from employment. All states have laws which require protection for workers. Failure to carry workers compensation can result in substantial fines to businesses. A workers compensation policy provides the following coverages:

Medical benefits including hospital, surgical, and other related health care costs such as physical therapy and rehabilitation
Indemnity benefits including compensation for lost wages
Death benefits including a flat coverage for burial and compensation to the deceased employee’s family

Our experienced representatives can review your policy to make sure that the proper classifications and payrolls are applied to ensure that you are not overpaying for your coverage.

Umbrella (Excess) Liability

Today’s litigious society demands that your business be adequately protected in the event of a loss. The eight and nine figure settlements currently being awarded by the court system has become commonplace. Therefore, every business needs to consider purchasing an additional layer of liability protection over and above the coverage amounts provided in commercial general liability and automobile policies.

As a business owner, you’ve worked hard to build your business. Mintz Girgan & Brightly can work with you to determine the proper amount of coverage required to protect your valuable assets.

Professional Liability

Professional liability insurance provides liability coverage designed to protect professionals such as doctors, lawyers, accountants, and architects from claims arising out of their professional services. At Mintz Girgan & Brightly, our staff will obtain the proper coverage for your business from highly reputable companies.

Crime

Every company, regardless of size, is a potential victim for white collar crime. In fact, experts acknowledge that this is one of the fastest growing and prevalent problems facing business today. A comprehensive crime policy is an absolute necessity for corporate managers concerned with protecting their company's assets today and in the future. White collar criminals may not look dangerous, but they can cause financial havoc inside a company and destroy a business and its credibility. Crime coverage can protect you against employee theft of money, securities or inventory, as well as computer fraud, robbery, and safe burglary.

Even the best workplace environments have the potential to suffer crime losses. Don’t let your business fall victim to employee crime. Mintz Girgan & Brightly can provide the coverage you need.

Fiduciary Liability

Fiduciaries make decisions about 401(k) plans or other qualified employee benefit plans. Under the Employee Retirement Income Security Act of 1974, fiduciaries can be held personally liable for losses to benefit plans incurred as a result of their alleged errors, omissions, or breach of their fiduciary duties. A company can help mitigate the personal liability of its fiduciaries by following the advice of outside experts and by selecting diverse, financially sound investments. But, it cannot entirely eliminate their personal liability. Fiduciary liability insurance is designed to protect these fiduciaries from claims arising out of their duties as fiduciaries. Mintz Girgan & Brightly can help you choose the right protection for your firm.

Directors and Officers Liability (D&O)

Directors and Officers Liability Insurance provides financial protection for the directors and officers of your company in the event they are sued for wrongful acts committed or alleged while performing their duties. This type of insurance provides coverage for company management, and may sometimes include Employment Practices Liability and Fiduciary Liability. Contact the insurance professionals at Mintz Girgan & Brightly to discuss this important coverage for your business today.

Employment Practices Liability

Employment practices liability insurance protects an employer from claims made by an employee, former employee or potential employee arising from employment of that employee. Employment related claims include discrimination, wrongful termination, and sexual harassment. Cases against employers are on the rise, and every business is vulnerable to a lawsuit. Even if the case proves to be fraudulent, the defense of such a lawsuit can drain the time, resources, and finances of a business. Any firm can be the victim of an employment related lawsuit, and Mintz Girgan & Brightly recommends this important coverage as part of your business insurance plan. Contact our knowledgeable staff for a quote.

Cargo – Inland and Ocean Marine

Risks are unavoidable in the shipping of goods, especially across the ocean. Ocean Marine insurance was the first type of insurance developed hundreds of years ago to protect the owners of ships and the cargo they carried from the many perils faced from this type of transportation.

Ocean cargo insurance provides coverage for goods while being shipped across the ocean. Perils typically insured against include: collision of the ship with another ship or object; the ship sinking, capsizing or being stranded; fire; piracy; and war. If your business is involved in importing goods or raw materials or exporting finished products, Mintz Girgan & Brightly can assist in securing the proper coverage for your exposure.

Inland Marine coverage indemnifies against loss to moving property and is an outgrowth of ocean marine insurance. The coverage today extends to protect goods being shipped overland. The goods are covered while being transported via common carrier, air, or your own trucks. Let Mintz Girgan & Brightly assess your Inland Marine insurance needs.

Bonds

A bond is a legal contract in which the bonding company provides financial backing to protect third parties from potential loss. Many different types of bonds exist. There are bonds that guarantee faithful and honest performance. Some guarantee the performance of work contracts. Others include license and permit bonds, judicial bonds, and miscellaneous bonds.

Mintz Girgan & Brightly can obtain bonds from many financially sound bonding companies. Contact our professional staff to discuss your bonding needs.

Equipment Breakdown

Equipment Breakdown insurance is designed to protect against damages caused by the malfunction of boilers and other manufacturing equipment including pressurized, electrical, and electronic machinery. This type of insurance requires periodic inspection of such equipment by qualified engineers to be sure it is properly maintained and that no unsafe conditions exist. This coverage provides valuable protection, and should be part of a well-designed general commercial property insurance program.

The insurance specialists at Mintz Girgan & Brightly are well-versed in Equipment Breakdown insurance, and can make sure that your business has the appropriate coverage.

Specialty Coverages

Mintz Girgan and Brightly has the knowledge, experience, and markets to handle requests for specialty coverages that may differ from those described above. Contact our expert staff to discuss your special situation.