Healy Brokerage

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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.

Business interruption insurance will help to cover loss of income and also help to cover expenses associated with gettin...
09/18/2026

Business interruption insurance will help to cover loss of income and also help to cover expenses associated with getting back up and running and also day-to-day expenses. It could be added as a part of a business owner's policy or it could be an add-on to a commercial property policy.

What Business Interruption Insurance Covers

Business interruption is a coverage that's added to a property insurance policy, alongside coverage for a building or for business contents or personal property. If you have a property policy and you have some kind of property loss or damage to the building or the business's personal property that's covered by the policy, that is what triggers business interruption coverage.

Business Interruption Insurance

Business interruption coverage is intended to work alongside the property portion of the policy. It's not independent coverage, it works in tandem along with it.

Learn whether business interruption insurance covers power outages, plus endorsements and how to prepare without coverage.

For accountants, lawyers, and consultants, professional liability is most likely the largest exposure. Professional liab...
08/24/2026

For accountants, lawyers, and consultants, professional liability is most likely the largest exposure. Professional liability is often the most important policy to procure for a business, helping build the foundation for growth.

What Professional Liability Covers

Professional liability insurance, errors and omissions, and malpractice insurance all fall into a similar bucket of coverage, designed to protect an insured from claims that can arise from providing professional advice or services to clients.

A professional is any person or firm that provides advice, guidance or services to others that require specialized knowledge or skills the general public does not necessarily possess.

Liability Insurance For Professionals

Usually there is some form of licensing required, or specialized training and education. Professionals include lawyers, accountants, real estate brokers, insurance brokers, consultants, financial advisors, stock brokers, engineers, designers and architects.

Learn what professional liability insurance covers for accountants, lawyers, and consultants, and how it differs from GL.

Commercial auto insurance is essential for businesses using vehicles, but costs can be high. The single biggest mistake ...
07/10/2026

Commercial auto insurance is essential for businesses using vehicles, but costs can be high. The single biggest mistake people make while shopping for commercial car insurance is approaching only the companies that are most heavily advertised.

And the first insurance company that comes to mind is not necessarily the one that will offer you the best rate. Follow these tips to get the best rates.

What Affects Your Rate

Commercial Auto Insurance

Commercial auto insurance is complex, and the cost can vary significantly based on several factors, including the number of vehicles a company owns, the cost of the vehicles, where the vehicles are garaged, the business operations, the coverages included, the limits on the policy, and the driver history.

It also helps to accurately classify your business use because insurers price policies based on how vehicles are used, such as service calls, deliveries, or transporting people or goods.

Commercial auto insurance rates: get multiple quotes, use independent agents, find specialists, keep driver records clean.

Every day, nonprofit organizations change the world through fundraising and community outreach, and nonprofits' impact a...
06/24/2026

Every day, nonprofit organizations change the world through fundraising and community outreach, and nonprofits' impact affects life tremendously.

But that does not mean not-for-profits are immune to circumstances that can affect their mission in a negative light.

That is why not-for-profits must choose the right insurance coverage for themselves and their operations, to keep the not-for-profit's mission moving and not slow down when disaster hits.

Coverages Every Nonprofit in New Jersey Should Consider

Nonprofit Insurance Coverage

Directors and Officers Liability and Employers' Practices Liability Insurance

This type of nonprofit insurance coverage is intended to protect executive board members and organizational leaders. It protects the organization from wrongful acts lawsuits, which include everything from fraud to wrongful termination.

Nonprofit insurance NJ: directors liability, general liability, workers comp, property, auto, cyber. Protect your mission.

About 60% of small businesses that face cyberattacks close within a few months. This is because they don’t have a plan o...
06/11/2026

About 60% of small businesses that face cyberattacks close within a few months. This is because they don’t have a plan or coverage in place to cover expenses and regain customer trust.

The damage does not just remain limited to technical, it also starts to affect finances, reputation, and can also lead to legal issues. The risk of cybersecurity issues is also common for digital businesses in New Jersey. Almost every business uses connected systems to manage work efficiently and easily.

These systems are the main targets of cybercriminals to exploit the system. That’s why every business should get cyber insurance in New Jersey to protect their business from digital threats. It provides financial protection and expert recovery support when digital threats strike.

In this guide, we will explore how businesses in New Jersey are at risk, what cyber insurance covers, and more. So keep reading!

Cyber insurance in NJ covers data breaches, ransomware, business interruption, and legal costs. Essential for small and large businesses.

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.

Address

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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