Healy Brokerage

Healy Brokerage Healy Brokerage offers insurance for commercial, personal property & casualty, private collectors of

Gilda Healy, President of Healy Brokerage,LLC is both an insurance and museum professional who can assist you in all phases of Property and Casualty Insurance which also includes personal, business and professional liability as well as fine arts, jewelry, antique autos and sports memorabilia.

Running a business in America is exciting. But it is also greatly unpredictable. One lawsuit, one serious accident, one ...
05/28/2026

Running a business in America is exciting. But it is also greatly unpredictable. One lawsuit, one serious accident, one moment you did not see coming, and everything you worked super hard for could be at risk. That is exactly why more and more business owners are asking about umbrella liability policy coverage. Think of it as an extra secure safety net sitting above your regular insurance. When your standard policy hits its limit, umbrella coverage steps in and keeps paying.

Your Regular Insurance Has a Limit

Most businesses carry general liability, commercial auto, or workers' comp insurance. Every one of them has a dollar limit. Let's say your general liability maxes out at one million dollars. Now imagine a customer slips in your store and suffers a serious head injury. Medical bills alone could reach eight hundred thousand dollars. Not to mention the legal fees that can push the total past your policy limit. Without extra coverage, you are personally paying the difference.

Business umbrella liability policy covers gaps when standard insurance limits are exceeded, protecting companies from devastating claims.

Running a dumpster rental business comes with risks every day. Trucks move through busy streets. Dumpsters get placed on...
05/14/2026

Running a dumpster rental business comes with risks every day. Trucks move through busy streets. Dumpsters get placed on driveways and job sites. Workers handle heavy equipment. Risks everywhere.

One accident, just one, can cost thousands of dollars.

What can you do but insurance! That is why having the right commercial insurance for your dumpster rental company matters so much. Good insurance helps protect your trucks, employees, dumpsters, and business money.

Many owners buy the cheapest policy first. Later, they learn it does not cover the problems they actually face. The right policy helps your business stay safe when accidents happen.

This guide explains the most important insurance coverage and how to choose the best option for your company.

Insurance Policy For Commercial Business

Why Do Dumpster Rental Businesses Need Strong Coverage?

Dumpster rental companies deal with heavy equipment every day.

Dumpster rental companies need general liability, commercial auto, workers' comp, and equipment coverage to protect the business.

Purchasing a house at the shore offers the independence and pleasure of a breathtaking view of the ocean. It also carrie...
04/30/2026

Purchasing a house at the shore offers the independence and pleasure of a breathtaking view of the ocean. It also carries the possibility of hazards that regular residences do not. It's critical for insurance brokers who work with clients who own these properties to comprehend the particular elements that affect coastal areas.

Homeowners who own seaside properties are frequently in the market for high-net-worth insurance. The purpose of this insurance coverage is to safeguard important assets, such as homes acquired abroad. Coastal property insurance is one of the offerings.

In this blog, we will talk about flood insurance in NJ and whether homeowners near the shore need coverage.

Storm Surge and Flooding

Let Us Help Find You Flood Insurance in NJ

Coastal houses are at risk of flooding owing to storm surges and rising sea levels brought on by climate change. A property's foundation and exterior might be harmed by floodwaters.

NJ shore homeowners face storm surge, flooding, and erosion risks. Coastal property insurance covers structure, liability, contents.

Workers' compensation insurance is compulsory for most small businesses in New Jersey as per the New Jersey Workers’ Com...
04/27/2026

Workers' compensation insurance is compulsory for most small businesses in New Jersey as per the New Jersey Workers’ Compensation Act, which is formally codified in N.J.S.A. 34:15-1 et seq.

This coverage protects employees in the workplace and provides medical care, wage replacement, disability, and death benefits.

This blog post provides details about coverage requirements for employers in NJ, compensation coverages, and costs of workers’ compensation insurance.

Workers’ Comp Insurance Requirements for Employers in NJ

Every employer in New Jersey needs to have Workers’ Comp Insurance NJ if they have an employee.

Workers Comp For NJ Small Businesses

It is compulsory for every structured business so that their workplace injuries are covered properly. These businesses need to understand the eligibility requirements for getting insurance coverage, which vary based on ownership structure and employment status.

NJ businesses with 1+ employees need workers' comp insurance. Costs $1.26-$2.44 per $100 payroll. Covers medical and wage loss.

For company owners in New Jersey, particularly in the Medford and Tri-State region, commercial insurance is essential. I...
03/31/2026

For company owners in New Jersey, particularly in the Medford and Tri-State region, commercial insurance is essential. In order to safeguard their business and workers and to pay losses, many firms are legally obligated to get insurance.

In this post, we are going to discuss all about commercial auto insurance, including what it is, what it covers, how much it costs, and more.

What Is Commercial Auto Insurance?

Commercial Auto Insurance in NJ

The form of insurance that auto business owners carry to protect their vehicles is referred to as commercial auto insurance. It offers protection against losses to the business resulting from theft, natural catastrophes, and accidents.

It is preferable to have commercial auto insurance rather than regular commercial insurance to safeguard automobiles. For automobiles, trucks, vans, and other vehicles used for work, many company owners are legally obligated to obtain commercial vehicle insurance.

Commercial auto insurance in New Jersey averages $347/month. Learn required coverage, liability limits, and costs for business vehicles.

It’s important to understand the homeowners' insurance costs in New Jersey when you’re planning to get a home in NJ. Thi...
03/30/2026

It’s important to understand the homeowners' insurance costs in New Jersey when you’re planning to get a home in NJ. This cost is different in different states and regions, so in this post, we are going to discuss the insurance costs in NJ.

Homeowners Insurance Costs in NJ

The average price of home insurance in New Jersey varies depending on where you live. The following is the average annual cost in three different areas:

In NJ, the insurance costs are different for different areas.

- In Bergen County, the yearly average insurance cost is $1,609, whereas the monthly average insurance cost is $134.

- In Burlington County, you will have to pay $1,500 for yearly average insurance, and $125 for monthly average insurance cost.

- In Camden County, the yearly average insurance cost is $1,514, and the monthly average insurance cost is $126.

Homeowners Insurance Costs in NJ

What Factors Decide Homeowners Insurance Costs in NJ?

Homeowners insurance in New Jersey averages $1,500 to $1,609 yearly. Learn what factors affect rates across different counties.

Shopping for general liability insurance as a New Jersey contractor feels like throwing darts blindfolded. One broker qu...
02/27/2026

Shopping for general liability insurance as a New Jersey contractor feels like throwing darts blindfolded. One broker quotes you $3,500 annually. Another says $8,000. The third one comes in at $5,200. Same coverage supposedly, wildly different prices.

What are other NJ contractors actually paying? Why does the cost vary so much? What determines whether you're on the low end or high end of pricing?

Healy Brokerage works with contractors across New Jersey on insurance coverage. Here's what general liability insurance actually costs and what drives those numbers up or down.

The Baseline Numbers

General liability insurance for NJ contractors typically runs between $2,000 and $10,000 annually. That's a huge range because contractors aren't a monolithic group.

General Liability Costs For Contractors In NJ

Small operation, one guy doing handyman work, minimal revenue? Probably closer to $2,000-$3,000 yearly.

What do New Jersey contractors actually pay for general liability insurance? Learn real costs and what drives your rates up or down.

I got a call last month from a small accounting firm in New Jersey. They'd been hacked. Someone got into their system an...
02/04/2026

I got a call last month from a small accounting firm in New Jersey. They'd been hacked. Someone got into their system and accessed client tax returns - social security numbers, income information, all of it.

They were panicking because they had no idea what to do next or how much this was going to cost them. First question I asked: Do you have cyber liability insurance? The answer was no, they'd never even thought about it.

That conversation is going to cost them somewhere between $50,000 and $100,000 out of pocket by the time everything shakes out. Notification letters to affected clients, credit monitoring services they're legally required to provide, legal fees, forensic investigation to figure out how the breach happened, and potential regulatory fines. And that's assuming none of their clients sue them, which is definitely not guaranteed.

Cyber Liability Business Insurance In NJ

At Healy Brokerage, we have this conversation with small business owners constantly.

Cyber liability insurance for NJ small businesses. Coverage for data breaches, ransomware, legal costs. Expert guidance.

Here's the thing about workers' comp in New Jersey - you don't get to decide whether you need it. If you have employees,...
01/21/2026

Here's the thing about workers' comp in New Jersey - you don't get to decide whether you need it. If you have employees, even one person working part-time, the state says you have to carry it. I've watched business owners try every excuse. "We're just a small operation." "My employees are like family." "We're careful, nobody's going to get hurt." None of that matters to the state, and it definitely doesn't matter when someone actually does get hurt.

Workers' compensation insurance covers your employees if they get injured at work. Medical bills, lost wages while they recover, rehabilitation if they need it - the insurance handles all of it. And here's the part that really protects you as the business owner: when workers' comp pays for an injury, that employee can't turn around and sue you. Without that coverage, you're exposed to lawsuits that can drain your bank account and possibly end your business.

NJ business owners guide to workers compensation insurance. Learn requirements, coverage costs, and how to protect your business.

You run an accounting firm in Brick. Twenty-three clients, two part-time employees, tax returns stored on a server in yo...
01/08/2026

You run an accounting firm in Brick. Twenty-three clients, two part-time employees, tax returns stored on a server in your office closet. Maybe you think hackers care about Goldman Sachs, not your little practice. Wrong. Criminals specifically hunt small businesses in NJ because you handle sensitive financial data without the security team that big corporations have.

A dental office in Toms River learned this the hard way last spring. Someone clicked an email attachment that looked like a patient referral. Turned out to be ransomware. Every patient record was encrypted.

The criminals wanted $22,000. The office paid for it because they had no backups that worked. Then came the notification letters, the legal consultation, the state reporting requirements, and the loss of patient trust. Final tally pushed past $95,000. Their business insurance didn't pay a dime because cyber incidents weren't covered.

You run an accounting firm in Brick. Twenty-three clients, two part-time employees, tax returns stored on a server in your office closet. Maybe you think hacker

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70 Hialeah Avenue
Middletown, NJ
07748

Opening Hours

Monday 9:30am - 7:30pm
Tuesday 9:30am - 7:30pm
Wednesday 9:30am - 7:30pm
Thursday 9:30am - 7:30pm
Friday 9:30am - 7:30pm
Saturday 9:30am - 7:30pm

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