We provide specialty business insurance in NJ for contractors, trucking companies, property owners, restaurants and bars, tech and professional firms, security companies, licensed cannabis businesses and nonprofits. Kevin Brown Insurance Agency is an independent, New Jersey–licensed agency for businesses whose risks are larger, more specialized or harder to place than a standard online quote can handle. Here is who we work with most, and what we typically place for each.
We work with New Jersey general contractors and trade contractors, including roofing, remodeling, restoration, electrical, plumbing, HVAC and tree work. Many come to us after a carrier declined their class of work, added exclusions, or couldn’t meet a general contractor’s or owner’s insurance requirements. We place general liability, workers compensation, contractors equipment, commercial auto, excess liability and bonds, using E&S markets when standard carriers won’t write the risk.
We insure NJ motor carriers: owner-operators, small and mid-size fleets, dump trucks, box trucks and hot-shot operations, along with businesses that run commercial vehicles as part of their work. Coverage is built around your DOT number, radius, cargo and driver history, and includes primary auto liability, physical damage, motor truck cargo and general liability. We do not write personal auto.
We work with owners of New Jersey apartment buildings, mixed-use buildings, commercial rentals and small portfolios, including older buildings, properties with prior losses, and buildings with vacancies or renovations underway. We place commercial property, lessor’s risk only (LRO), general liability, umbrella and builders risk, and we help owners meet lender insurance requirements.
We insure New Jersey restaurants, bars, nightclubs, event venues and caterers, especially those with liquor sales, late hours, live entertainment or past claims that make standard carriers hesitate. Coverage typically combines liquor liability, general liability, property, assault and battery where available, and workers compensation.
We work with New Jersey software and IT companies, SaaS businesses, e-commerce and product brands, and consultants and other professional firms. Their main exposures are rarely physical: they come from contracts, data, products and advice. We place technology E&O, cyber liability, professional liability, product liability and directors & officers coverage, often because a client contract or investor requires it.
We insure New Jersey security guard and patrol companies, including armed and unarmed operations, event security and alarm or monitoring businesses. Many standard carriers won’t write this class at all. We place general liability with the endorsements contracts usually require, workers compensation, hired and non-owned auto and excess liability through specialty markets.
We work with New Jersey cannabis businesses operating under state licenses: cultivators, manufacturers, retailers and delivery operations, as well as ancillary businesses and landlords that serve them. Because most admitted carriers still avoid the industry, coverage comes from specialty and surplus lines markets: general and product liability, property and crop, and D&O.
We insure New Jersey nonprofits and religious organizations, including churches, temples, mosques, community centers and social service groups, especially those with older buildings, youth programs or unusual occupancies. We place property, general liability, directors & officers, and abuse & molestation coverage, which many programs require and many carriers now limit.
What kinds of businesses does Kevin Brown Insurance Agency insure?
New Jersey businesses with complex or hard-to-place risks: contractors and trades, trucking companies, apartment and commercial property owners, restaurants and bars, technology and professional firms, security companies, licensed cannabis businesses, and nonprofits and religious organizations.
Do you only work with businesses that were declined elsewhere?
No. Many clients come to us after a decline or non-renewal, but we also work with businesses whose operations, contracts or project sizes are simply more than a basic online policy is built for.
Who is not a good fit?
Shoppers who only want the lowest price on a simple, standard policy, and anyone looking for personal auto insurance, which we don’t write. We are licensed in New Jersey only at this time.
Do you insure businesses outside New Jersey?
Not yet. Kevin Brown is licensed in New Jersey (NJ Resident Producer License #3003694894), so we place coverage for New Jersey risks.
Don’t see your business here?
These are the groups we see most, not the full list. If your risk is unusual, large or was turned down somewhere else, tell us about it.
