Specialty NJ

Lessor's Risk (LRO) NJ

NJ lessor's risk (lro) coverage from a licensed independent agent. Kevin reviews and responds personally.

NJ specialty market Disclosure

Direct access to non-admitted surplus markets for high-hazard NJ risks.

Start NJ Process

Call 732-944-1791

Resident Producer Verified • NJ License #3003694894

Local Underwriting

Licensed Garden State agency matching local data to A-rated NJ paper.

Kevin Brown Insurance Agency

Licensed Agent

Tenant Liability

Engineered for Peace of Mind.

Every policy from Kevin Brown Insurance Agency comes standard with modern features designed to make your life easier and your protection stronger.

Tenant Liability

Verification that tenants have GL.

Learn More

How to get covered

Independent agents shop multiple carriers. Kevin does that, and he also has access to E&S markets for risks standard carriers decline. Here's how the process works.

Tell us what you need

Fill out the Get Covered form. It takes about two minutes. Select your coverage type and answer a few questions about your situation.

Kevin reviews and responds

Kevin personally reviews every submission and responds with real options. No quote engines. Most NJ submissions get a lightning-fast response on business days.

You choose and bind

Once you select the right option, Kevin handles the paperwork and gets your policy issued. You get a copy of your declarations page as soon as it's bound.

Why an independent agent?

Captive agents (like those at State Farm or Allstate) work for one carrier. Kevin works for you, shopping your risk across dozens of carriers to find the best fit, including E&S markets when standard options aren't available.

Carriers shopped30+

NJ counties servedAll 21

Typical response timeLightning fast

E&S market accessYes

Quote intake is open 24/7. Kevin reviews and responds during business hours, Mon–Fri 9 AM to 5 PM.

Get CoveredCall 732-944-1791

NJ Producer License #3003694894 · No call center

Frequently Asked Questions

LRO insurance protects commercial landlords in NJ from liability claims arising from tenant operations on their property. It covers bodily injury and property damage claims where the landlord (lessor) is held liable for incidents involving tenants or their customers.

Any NJ property owner who leases commercial space to tenants needs LRO coverage. This includes strip mall owners, office building landlords, industrial park owners, and multi-tenant commercial property investors throughout NJ.

NJ law does not mandate it, but most commercial mortgage lenders require it as a loan condition. NJ commercial leases also commonly require landlords to maintain LRO coverage throughout the lease term.

Still have questions?

Call Kevin directly: 732-944-1791

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