Q: Why should I use an independent agent like BIS?

A: We represent multiple top-rated carriers, so we can compare options to find you the best coverage at the best value—with personalized service and local expertise. As an insurance agent we are able to quote your home, auto, business insurance policies with our 10+ carriers. All of our agents have extensive insurance knowledge which they use to review your personal and commercial insurance policies to make sure you and your assets are properly protected. We have been located in Morris County and now Morris Plains NJ for over 40 years with 5-star Google rating.

You are also able to talk to a person, not just an automated phone or website. Take a look at our agents here!

Call today!(973)-683-1000

Q: Can I bundle my auto, home, and business insurance?

A: Absolutely. Bundling can save money and simplify policy management. Our clients love having a one stop shop for all their insurance needs. We also write Life Insurance.

Q: How do I file a claim?

A: Contact our office or your carrier directly. We’re here to guide you through the process from start to finish. (973) 683-1000

Q: How often should I review my insurance policies?

A: At least once a year, or after major life or business changes (new car, home remodel, hiring staff, etc.).

Auto Insurance FAQs

Q: What type of auto coverage do I need in New Jersey?
A: At minimum, New Jersey requires liability coverage, but we recommend additional coverage like comprehensive, collision, and uninsured motorist protection depending on your vehicle and risk exposure. We take time your assets and make sure they are protected through your auto insurance policy in Morris County, New Jersey.

Q: What affects my auto insurance premium?
A: Factors include your driving record, vehicle type, location, credit history, age, and how often you drive.

Q: Do I need full coverage on an older vehicle?
A: It depends on the car’s value and your budget. Full coverage may not be cost-effective if your vehicle’s worth is low.

Q: What happens if I’m hit by an uninsured driver?
A: If you have uninsured/underinsured motorist coverage, your policy can help cover damages. In New Jersey we believe this is an important coverage for all our insured’s to have.

Home Insurance FAQs

Q: What does a standard homeowners policy cover?
A: It typically covers your home, personal belongings, liability, and additional living expenses if you’re displaced due to a covered loss.

Q: Is flood damage covered by home insurance?
A: No—flood insurance must be purchased separately through the NFIP or a private carrier. We do write flood insurance policies, please see the page on flood insurance here!

Q: How much home insurance do I need?
A: You should insure your home for its replacement cost—not market value—to rebuild at today’s prices.

Q: Are valuables like jewelry and electronics fully covered?
A: High-value items may require scheduled personal property endorsements to be fully protected.

Commercial Insurance FAQs

Q: What insurance do I need to run a business in New Jersey?
A: At a minimum, most businesses need general liability and workers’ compensation. Other coverages—like property, commercial auto, cyber liability, or E&O—depend on your industry and operations. Our agency takes the time to look over all the needs of the business and to make sure you are properly covered. Get started today 973-683-1000

Q: What is a certificate of insurance (COI)?
A: A COI proves your business is insured and is often required by clients, landlords, or general contractors.

Q: What if I hire subcontractors?
A: You should collect certificates of insurance and ensure contracts include hold harmless and indemnity clauses to limit your liability.

Q: Can I bundle my business policies?
A: Yes. A Business Owners Policy (BOP) bundles property and liability coverage at a lower cost—great for small to mid-size businesses.

We would be happy to answer any other questions you would have!

Please feel free to give us a call 973-6830-1000 or message here!

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