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Manufacturers Insurance

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

Insurance Customized for Manufacturers

Your customers depend on you for precision manufacturing of the products they buy from you. You can expect the same commitment to the highest standards of excellence from Professional Insurance Associates for your insurance coverages.

If a fire destroyed finished goods waiting for shipment in your facility, would your insurance compensate you for their true worth? If your personal identity were stolen, could a damaged personal credit report negatively affect your business? Could you afford to take the time away from your business to re-establish your identity?

At Professional Insurance Associates we are dedicated to protecting your business, and our small business insurance packages are designed with you in mind. Our programs offer you coverages that address your unique needs - coverages that may not be available in other policies.

Designed for your Needs
You should look for the following protections in your policy:

  • Off-Premises Utility Services
    Extends coverage to include loss or damage to your property and stock caused by interruption of off-premises water, communication or power supply services, even when not owned by you. Also available as an option that protects your business income.
  • Product Contamination
    Pays for expenses you incur as a result of an accidental contamination of your product during the manufacturing process at your facility. Covers its loss of marketability, including product sold but not delivered.
  • Product Recall and Replacement
    Covers you against the unexpected cost of recalling your product from the market due to faulty design, errors in manufacturing or intentional tampering of your products that may cause harm to your customers or the public. Plus, coverage is extended to provide for the costs of replacing the recalled products. Precious Metals. Covers the precious metals used in your business, such as gold, silver, platinum and other precious alloys and metals, against loss by theft up to a specified limit.
  • Transit Coverage
    Extends your coverage for loss or damage to business personal property to apply to shipment by common carrier.
  • Valuable Papers and Records
    Protects the value of your time, work and research to re-create your customer records or files if they are damaged or destroyed by a covered loss.
  • Valuation Changes - Manufactured Goods
    Values your manufactured goods at your selling price, less discounts and expenses you would normally have incurred, in the event of a covered loss. In addition, you have the option to buy these important coverages:
  • Limited Pollution Coverage
    Provides coverage for specific events involving pollutants that occur as a result of your operation. Although pollution damages are not normally covered in a standard business owner’s policy, exceptions are available with this option.
  • Umbrella Coverage
    Provides you with up to $10 million of liability protection over and above the limits of other policies in your business program.
  • Building and Business Personal Property
    Coverage to repair or replace your building and any equipment, stock, furniture, or fixtures that you own. A lot of business property coverage can be included, such as:
  • Identity Recovery Coverage for Business Owners
    Provides Identity Recovery Coverage and services, such as:
  • Identity Recovery Help Line for policyholders who suspect they are identity theft victims.
  • Limited expense reimbursement for covered expenses arising out of a defined identity theft event.
  • Building and Contents
    Covers your buildings and/or business contents if they are destroyed because of a covered loss. You’ll receive the full cost to replace your property up to a limit you select when you purchase your policy.
  • Dependent Property
    Protects your business from losses caused by a covered loss at a dependent property, such as a major supplier. Gross Earnings Coverage
    Reimburses you up to a scheduled limit for the loss of earnings resulting from a covered loss to your property during the period of restoration. Extra expenses needed to continue your operations, such as renting temporary office space, are also covered.
  • Product Recall and Replacement
    Covers you against the unexpected cost of recalling your product from the market due to faulty design, errors in manufacturing or intentional tampering of your products that may cause harm to your customers or the public. Plus, coverage is extended to provide for the costs of replacing the recalled products.
  • Electronic Vandalism
    Designed to provide protection against several exposures connected with your computer equipment and your Web site, including: Malicious alteration or destruction of media and data, or the introduction of a virus; and The Denial of Service Attack (an electronic attack designed to overload your computer or network system, denying e-mail or Web site access by legitimate business traffic).
  • Equipment Breakdown
    Covers the cost to repair or replace equipment, such as computers, air conditioners, phone systems and steam boilers, from loss or damage caused by mechanical breakdown or artificially generated electrical current.
Business Liability
Provides your business with legal liability protection against claims of injury or damage caused to others by you or your employees. For example:
  • Premises and Operations Liability
    Provides coverage for bodily injury and property damage sustained by others at your premises or as a result of your business’s operations.
  • Products and Completed Operations Covers you against injuries or damages to others caused by the products you sell or by the work you perform for your customers.
  • Internet Liability
    Personal & Advertising Injury on the Internet. Covers copyright infringement to your Internet advertising. Covers other types of liability as well, such as defamation or copyright infringement that occurs in others’ advertisements on your Web site.
Other Important Coverages Available
  • Commercial Auto
    Protects you against financial loss resulting from accidents involving the vehicles you use in your business. Professional Insurance Associates can offer valuable enhancements you won’t normally find on other commercial auto policies, such as excess coverage for hired autos and the extension of liability coverage to vehicles leased in the name of an employee on your behalf and at your direction.
  • Workers’ Compensation
    Workers’ Compensation coverage provides 24-hour, seven-days-a-week access to our claims reporting facility. In addition, our state-of-the-art managed care and Return-to-Work program will help you get your employees back on the job as soon as possible.
Call Us
All business insurance is not the same. At Professional Insurance Associates we act on emerging insurance needs and provide convenient, cost-effective and quality coverage for your business. Give us a call and start enjoying the peace of mind that comes from knowing you’re covered by the business insurance specialist - Professional Insurance Associates.  

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

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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