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For over 25 years, Capacity Coverage Company of New Jersey has been providing experienced, professional insurance guidance and products for all types of businesses, industries and individuals. Because of our commitment to our clients, we have grown to become one of the New Jersey’s five largest privately-held insurance brokerage firms and one of the top 50 firms, both public and private, nationwide.

Capacity Coverage represents a host of the finest insurance companies in the world. Our collective knowledge of the insurance marketplace coupled with our ability to recommend product from one of many insurance companies enables us to offer unparalleled asset protection.

Our professional staff ensures customer satisfaction by expertly guiding clients through the insurance process. Our unique ability to “get the job done – anytime and anyplace” has earned us a reputation for outstanding customer service.

 

BUSINESS INSURANCE

business

No matter what type of business you’re in — retail, wholesale, construction, manufacturing, transportation, services, property management, real estate — we can construct the right insurance program for you, with a comprehensive array of products underwritten by top-rated carriers in the marketplace.

Commercial Package Policies

Cost Effective Coverage for Small Business
Whether you are starting a new company, or have been a business owner for many years, selecting the right commercial insurance program is one of the most important business decisions you will make. Commercial Package Insurance can protect your business from many different types of losses including property damage, business interruption, theft, and liability. Purchasing the right commercial package insurance coverage can make the difference between going out of business after a severe loss or recovering with minimal business interruption and/or financial loss. There are many choices when it comes to commercial insurance packages. A Business Owners Package Policy or “BOP” combines liability and property insurance. It is more cost effective for businesses with less than 100 employees and $1 million gross sales. A Commercial Package policy is more cost effective for business with over 100 employees and $1 million gross sales.

Business Auto Coverage

We have the experience, expertise, and resources to professionally manage your transportation insurance portfolio. . We can provide Physical Damage Coverage for cars you rent, own, or lease. Our Garage/Auto Policy legal liability policy provides protection for car dealers, garages, repair shops, and service stations. It can also cover bodily injury and property damage that occur in garage operations. Hired Car and Non-Ownership Automobile Insurance is also available at a low flat rate, per-operator charge, which eliminates audit problems. Automobile insurance is available nationwide with very low rates and a 24/7 claims reporting service via toll-free telephone number

Comprehensive Workers Compensation and Alternative Programs

Capacity’s mod evaluation recovers prior year overcharges and protects against future overcharges Capacity analyzes the factors used to calculate your workers compensation experience modification factors to identify errors. These errors are reported to you and then Capacity recovers the resulting premium overcharges. This review has to be done on a retrospective basis since errors must occur before we can correct them. By monitoring and analyzing the experience mod factors unique to your company, we can lower your operating costs Capacity is your advocate in the arcane regulatory process that is governed by the insurance industry Your modification factor is calculated by a regulatory bureau from data collected and transmitted to them by your insurance company. An estimated 90% error rate is not unreasonable when you consider all the data that must be gathered, evaluated, transmitted, and processed accurately by companies preoccupied with their own objectives. Frequently the rules are designed and implemented to facilitate administrative expediency, not the stated regulatory purpose. The regulatory bureaus and their rules are governed by insurance industry executives.

Umbrella Liability

Umbrella Liability provides additional protection over a primary or underlying limit of insurance. This coverage is in in excess of General Liability, Automobile, and Workers’ Compensation coverage. Usually written with a self-insured retention, coverage is provided when the primary policy limit is exhausted. With umbrella coverage, you may be able to lower the limits of your General Liability or Auto policies, which can reduce your costs. If you are a contractor or a consultant who uses subcontractors, your clients may require you to have umbrella insurance as part of their contract with you.

Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance (EPLI) protects employers against such employment-related claims as wrongful termination, sexual harassment, discrimination for age, sex, race, disability, and/or retaliation for other employment related allegations. With the rise of employment related lawsuits, employers can protect themselves with EPLI coverage. We help you identify potential exposures and develops a customized EPLI program that fits your situation. We provide claims management and claims resolution services during disputes.

Directors and Officers Insurance (D&O)

Corporate Protection From Liability Directors and Officers Insurance (D&O) provides coverage for the Directors and Officers of a company for their failure to act, or for lack of performance of their duties. All directors can be subject to a claim from their stockholders and customers. Coverage can also be provided to protect the business entity, as it is normally brought in to the suit. We can provide this very important, but often overlooked coverage, at competitive rates.

For more information about business insurance, please contact Joyce Alimi or call (201) 661-2474

TRANSPORTATION

Public Transport

busCapacity Coverage insures more public transportation companies than just about anyone else. If you operate School Buses, Limousines, Motorcoaches, Ambulettes or any other kind of Social Service transport, Capacity has access to numerous insurers who specialize in your business, and we have decades of experience with the unique challenges you face.

Trucking

truckWe write both long and short-haul trucking, along with bobtail and other special kinds of trucker’s coverage. We understand physical damage insurance, third-party agreements, warehouse liability, Workers Compensation, and more. And our market clout enables us to be cost-effective as well as thorough and professional.

Moving & Storage

movingAs one of the leading commercial vehicle insurance brokers, Capacity Coverage Company insures many of the country’s finest moving and storage companies. Whether a company has one truck, a small office, or a national warehouse and terminal, Capacity has the experience to understand the specific requirements for moving and storage insurance coverage.

Our access to virtually every major carrier means competitive rates for coverages including Auto Liability & Physical Damage, General Liability & Property, Building and Contents Coverage, Movers Income Protection, Storage-in-Transit Coverage, and Business Interruption Coverage.

For more information about transportation insurance, please contact Michele Mugno or call: (201) 661-2440

REAL ESTATE

realEstateAs a building owner or real estate professional, you need to feel confident that the property you manage or own is protected. At Capacity Coverage, we can provide that protection. From safeguarding your shopping plaza against break-ins to providing coverage so your condo complex can recover after a fire, we have you covered.

You’ll benefit from our over 25 years of experience insuring real estate when you need to file a claim. But we can also minimize your exposure to risk by using our risk control resources, which offer guidance on preventing slips and falls, guarding against hail and water damage, and more.

CONTRACTING/CONSTRUCTION

constructionKnowledge of your industry is key, and no industry requires more specialized knowledge than the construction industry. We understand your needs, from Liability to Builder’s Risk, Certificates of Insurance to Evidence of Coverage, Contracts to Excess Limits, we’ve been there before, with hundreds of other businesses just like yours.

PERSONAL LINES

personalPersonal homeowners and automobile insurance policies are not created equal. With over 25 years of experience, Capacity Coverage is one of the nation’s leading and most trusted brokers specializing in personal lines insurance. We understand that everyone has varying needs and are there to provide competitive prices and responsive service.

A Complete Range of Homeowner’s Policies

  • Dwelling coverage for loss due to fire, theft, wind, and more
  • Personal property and liability coverage
  • Flood insurance
  • High value homeowners
  • Apartments and condominiums
  • Special property coverage to insure such items as jewelry and fine arts
  • Liability coverage

Auto Insurance at Competitive Rates

  • Auto Liability coverage
  • Uninsured and underinsured motorists coverage
  • Personal injury protection to pay medical costs due to an accident
  • Comprehensive & Collision coverage

Insurance Beyond the Limits of Homeowners and Auto Coverage

  • Umbrella and excess limits coverage
  • Marine coverage (boats, jet skis, etc.)
  • Motorcycles

For more information about personal lines and small business inusrance, please contact Donna Ward or call (201) 661-2405