Plain-English guides to every major insurance type in New Jersey — from mandatory minimums to specialty risks.
A contract that protects you against financial loss in the event of an accident or theft.
When needed: Required by NJ law for every registered vehicle.
Coverage for your primary residence including the structure, personal belongings, and liability.
When needed: Required by virtually all NJ mortgage lenders.
A policy that pays a lump sum to your beneficiaries after your death.
When needed: Essential if anyone depends on your income.
Protects your NJ business from financial losses due to property damage, liability, and other risks.
When needed: Required by NJ law (Workers Comp with 1+ employees), and by most commercial landlords.
If you drive, you need Auto. If you own a home, you need Homeowners. If you have dependents, you need Life. If you run a business with even one employee in NJ, you're legally required to carry Workers Compensation. An independent agent like Kevin can review your full situation for free.
Independent agents like KBIA work with dozens of carriers, not just one. That means they shop the market for you instead of pushing one company's products. For NJ specialty or high-risk coverage, this matters enormously — many risks can only be placed through the E&S market, which direct carriers don't touch.
E&S lines cover risks that standard admitted carriers refuse or price too high — pest control businesses, nail salons, vacant properties, high-value coastal homes, etc. KBIA has direct E&S market access through Ark Specialty MGA and other surplus lines markets.
For personal lines (auto, home), Kevin can often bind coverage the same day for qualified risks. Commercial lines typically take 2–4 hours for a quote and 24–48 hours for binding, depending on complexity.
Reviewed by:
Kevin Brown Jr.
Licensed NJ Insurance Producer · NJ #3003694894
Independent NJ insurance agent specializing in life, P&C, and E&S lines. Former autism support worker. Full bio →
Talk to Kevin directly — no call center, no automated system. Just a licensed NJ agent who knows the market.
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