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FAQ's

Call us today at 201.438.7500 for a quick free quote or more information.

Q. Why should I buy insurance?

A. It can take years and a great deal of hard work and money to acquire your family's personal possessions. Where would the money come from to replace your property if it were destroyed? What would you do if a court ordered you to pay thousands of dollars because of damage to someone else's property or injury caused by you. Insurance protects you against financial loss when these kinds of personal disasters happen. And they happen to people just like you every day.

Q. How does insurance work?

A. For an agreed amount (the premium you pay) the insurance company takes on your risk of suffering financial loss. When losses do occur, they are paid out of the total pool of insurance premiums the insurance company has collected from its thousands of customers. In short, the premiums of the many pay the losses of the few.

Q. How do I know what insurance to buy?

A. You should insure any valuable property that can be damaged, lost or stolen. You also need to protect yourself against the costs of property damage or injury you may accidentally cause to someone else.

Q. How much will my insurance cost?

A. The cost of insurance will vary from company to company, based on their estimates of the number of claims expected and the cost to operate the business. When comparing quotes and coverages, always remember that what you are buying is not the piece of paper that you receive, but the service that you get at the time of a claim. Good service may cost a bit more, but it is well worth it when your claim is settled promptly to your satisfaction.

Q. What do I do when I have a claim?

A. Contact your broker or company as soon as possible to advise that you have had a loss. See "Claim Process".

Q. How can I save money on my insurance?

A. Increase your deductible. By doing this, you agree to pay a little more of the loss when you have a claim, but your maximum limit of coverage does not change. In exchange for accepting more of the risk on small claims, your premiums are reduced.

Install burglary alarm systems. By taking these precautions to protect your property from loss we offer discounts on your premium.

Please Note: The information contained in this website is provided solely as a source of general information and resource. It is a not a statement of contract and coverage may not apply in all areas or circumstances. For a complete description of coverages, always read the insurance policy, including all endorsements.

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Phone: 201.438.7500 Fax: 201.438.8781 | An MJMI Site.

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Professional Insurance Associates in Carlstadt, NJ -- Professional Insurance Associates is a leading insurance brokerage firm in New Jersey, based in Carlstadt NJ, near Newark NJ and New York City, serving NJ, NY, CT, PA and the entire USA. We at PIA help clients manage their risks in property and casualty, employee benefits, professional liability, and other areas of specialized exposure. In addition, PIA offers a full range of personal and corporate financial products and services. We understand our clients’ businesses, employees and risks, as well as the insurance and financial markets, so we can find them the carriers and coverages that best fit their needs.

Professional Insurance Associates, Carlstadt, NJ, New Jersey, insurance, bonds, accident insurance, health insurance, automobile insurance, contract bonds, excess liability insurance, estate planning, general liability, group medical insurance, group dental insurance, life insurance, risk management

NJ Insurance Leaders: Professionalism You Can Count On
At PIA, this is more than our slogan. It represents our working philosophy...the cornerstone of our success for over 40 years. For you and your organization, it represents a promise of value-added service through a solid protection plan and personal service that makes your insurance program work. You'll have the security of knowing that a team of insurance and bond specialists is working on your team and that we share a common goal: your ongoing success.

We welcome this opportunity to introduce you to the many features PIA has to offer. No matter what your insurance and bonding needs may be, in NJ, New York or PA, count on us to support your business efforts.

Victor M. Gardella
Chairman

PIA, Professional Insurance Associates, wants to ensure your business gets the most comprehensive and cost-efficient program available. To do this, we offer value-added service which includes an in-depth, close-up analysis of your total operation.

Our service begins when one of our professionals meets with you to discuss your present staff, equipment and facilities. Then we focus on your current insurance program, checking to see whether you have unnecessary or overlapping coverages and gaps where you may need additional protection. When you allow PIA to perform a close-up analysis of your business, you receive the added value that guarantees that your business will have a strong protection plan, at the least expensive cost.

If your business requires it, we'll conduct a risk evaluation and loss control analysis. Using our staff's expertise, the PIA team will give your business a thorough "going over."

We'll identify risks, analyze claims and we'll determine the most effective methods to manage the risk situations inherent to your business. And we'll recommend what you can do to control losses. By reducing or eliminating risks today, you can help avoid larger premium payments tomorrow.

Surrounding Areas:

PIA NJ Professional Insurance Associates serves all of New Jersey, New York, Pennsylvania and beyond. Our nearby communities include: Wayne NJ, Ridgefield, Clifton, Passaic, Garfield, East Rutherford, Secaucus, The Meadowlands, Teterboro Airport, Wallington, Woodridge, Lyndhurst, Paterson, Montclair, Nutley, Bloomfield, Belleville, Glen Ridge, Lodi, Hasbrouck Heights, West Orange, Livingston, Newark, Rutherford, Teaneck, Saddlebrook and Paramus.

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