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142 Route 70
Medford, NJ 08055

Rock Insurance Agency Blog

Commercial Reroofing – Insurance Coverage Guidelines

Installing a new roof on your place of business is a major project. You stand to protect your investment from the elements, theft, and damage. The adequate insurance will cover the cost of repairing or replacing any damaged or lost roofing materials.


It’s a good idea to compare roofing materials that are of interest. Throughout this process, you will familiarize yourself with the properties of various roofing components. Use this knowledge to help you choose a roof design that fits within your budget.

Remember, the roofing materials you select will need to be suited to the region in which your business is located. Choosing durable materials capable of withstanding a wide range of weather will prevent unexpected damage.


Be sure to record details about the new commercial roofing system you decide to install on your property. These details should include a breakdown of the materials used in roof design. Refer to these records when conveying information about the new roof to an insurance agent.


Take the time to review commercial insurance products, including add-on insurance. A thorough review will help you select the products that will provide your new commercial roof with the protection it needs and deserves.


Adopt some standard procedures to preserve the condition of your rooftop. Trim branches that are hanging down near the rooftop. Apply a sealant to roofing materials that are exposed. These simple measures can prevent premature damage to your roofing materials.

Contact Rock Insurance Services

Contact an agent from Rock Insurance Services. One of our agents who serves Medford, NJ, and the Tri-State region will assist you with acquiring protection for your new roofing system.

Make Sure You Have the Right Commercial Insurance Coverage

Commercial insurance is critical if you operate a business so you can protect your inventory, equipment, and other assets. If you’re in the Medford, NJ area or anywhere throughout the Tri-State area, Rock Insurance Services is here to help you get the right policy for your needs. You don’t have to try to figure out your company’s insurance requirements on your own when you have trusted and dedicated agents who can help.

We understand that every company has different needs, depending on its industry, size, and other factors. Whether you’re just starting out, have insurance questions, or are established and looking to update your policy, we can help. Our agents can provide you with quotes from multiple insurers who handle coverage for your type of business. That way, you can choose the policy that fits your needs and protects you more fully.

There’s no reason to settle for anything less than quality coverage from a trusted insurance professional. Then, you can have more peace of mind and confidence in the protection your business has, both now and in the future. We can review your needs and find you a policy that works or help you make updates to the one you already have. Either way, we’re here for you and your business’ coverage needs.

Contact us at Rock Insurance Services today if you’re in the Medford, NJ, area or anywhere in the Tri-State area. We know how valuable it is to protect your business properly, and we’re dedicated to making sure you have the best policy for your company. That lets you focus on other areas of your business that need your attention so you can continue to grow.

Protect Your Business from Disaster with Commercial Insurance

Owning and operating a business in Medford, NJ comes with its own unique set of challenges. One critical tool for running your business that should not be overlooked is commercial insurance. 

Commercial insurance is a tool that provides financial protection and business continuity in the event of an unexpected interruption or shutdown. 

Rock Insurance Services offers Tri-State business owners comprehensive commercial insurance plans that can mitigate the costly effects of natural disasters, workplace accidents, and legal liabilities. 

Business Property Coverage

The city of Medford, NJ is prone to natural disasters, including earthquakes, fires, and floods. Commercial insurance helps businesses stay afloat when they are suddenly affected by natural catastrophes. Business insurance can also protect your facilities against theft, burglary, and other property damage claims that can arise. 

Tri-State Liability Insurance

Businesses that service customers and distribute products should always have liability insurance to protect their customers and business interests. Commercial insurance can include liability insurance provisions that can offset claims for property damage, bodily injury, advertising injury, and other coverage that keep your business safe. 

Business Interruption Protection

One of the biggest threats to local area businesses is the possibility of a lengthy and unexpected shutdown. Shutdowns caused by natural disasters, fires, vandalism, or floods can go on indefinitely and severely impact your bottom line.

Commercial insurance policies with business interruption protection can provide a safety net at times when the doors to your business are suddenly closed without warning. 

Call Today To Discuss Your Options

Investing in a comprehensive commercial insurance policy is one of the best proactive steps you can take in securing your business’s future. 

Talk to a licensed insurance agent at Rock Insurance Services serving the Tri-State area to learn more about your options for commercial coverage and get a free quote! 

Will my commercial insurance protect my business if we have a closure because of severe weather?

Commercial insurance in Medford, NJ is most commonly for losses because of unexpected incidents like fires or thefts. Your building and property are protected from damages because of accidents or crimes. 

There are other kinds of losses your business could suffer because of bad weather. At Rock Insurance Services, we help small businesses in the Tri-State area make sure they have the coverage they need so they can move on after unfortunate events. 

When Your Business Is Closed Through No Fault Of Your Own

Sometimes there are events, like big storms, that cause businesses to shut down until necessary repairs are made. While you are waiting, you still have to pay the same bills. Your bank still wants your mortgage payment, your employees need to be paid, and you need to keep paying your other day-to-day bills. Unfortunately, you aren’t making money while your business is closed.

Business Interruption Insurance

If you have a business interruption policy, you can make a claim on the income you aren’t receiving. If not already included in your Business Owner Policy (BOP) you can purchase protection separately.

Even if you have business interruption insurance, you can still run into problems while you are waiting to reopen. Talk to your insurance agent about the steps you need to take for your insurance claim and make a plan for your business so that nothing is neglected while you wait.

We Are Here To Help

If you have a small business in the Tri-State area, you should check your policies to make sure you are comfortable with your level of coverage. Rock Insurance Services can help you personalize your insurance package so your Medford, NJ has the protection it needs. Call today so we can give you your options. 

Essential insurance policies every business owner should consider

Every business owner should take the time to consider essential insurance policies that can save them in case of a disaster here in the Medford, NJ, or Tri-State areas. Different forms of insurance are available depending on the type of business, and each offers different types of protection.

Here are some essential insurance policies at Rock Insurance Services every business owner should consider: 

1. General Liability Insurance

This type of policy is necessary for any business, as it covers bodily injury, property damage, libel or slander, and other legal issues related to your business operations. This insurance will protect you from claims or lawsuits resulting from clients’ injuries or damages caused by your services. 

2. Property Insurance

Property insurance covers damages to your commercial property caused by weather, theft, fire, and other disasters. It may cover the cost of replacing valuable items such as computers and furniture if they become damaged due to an event covered by your policy. 

3. Business Interruption Insurance

If your business experiences a prolonged shutdown due to unforeseen circumstances such as natural disasters or pandemics, this coverage will help to offset some of the lost income during that period of time. It can also help to cover certain expenses related to continuing operations while closed down, such as payroll costs and loan payments. 

4. Workers’ Compensation Insurance

This is important for businesses with employees as it covers medical costs associated with workplace injuries along with wages lost due to an employee’s inability to work due to their injury/illness sustained at work. 

Reach Out To Us 

For more information, give us at Rock Insurance Services a call today. We are proud to serve the Medford, NJ and Tri-State areas and would be happy to help you.

Who needs to have a commercial insurance plan in New Jersey?

Being a business owner is a dream for many people in the Tri-State area. When you are looking to build a business, the greater Medford, NJ area can be a great place to begin. If you are looking to start a business here, you should make sure that you are properly insured.

A business here will need to have a commercial plan for various reasons:

Comply with Requirements

A reason that you will need to have a commercial plan in this part of the Tri-State area is so you can comply with requirements. There are a lot of situations when a business could be required to have coverage. If you have taken out a loan or raised money from investors, you will undoubtedly be required to carry coverage. When you get the right insurance, it can help you stay in good standing. This can help you avoid penalization and reputational damage. 

Protect The Financial Viability of Business

It is also a good idea to get a commercial plan as it can help protect the financial viability of your business. When you have this insurance, it will offer various forms of financial protection. This includes the support you need to offset liability claims and ensure your core assets are protected. This will help ensure you have protection during some otherwise difficult situations. 

Rock Insurance Services Is Here To Help!

As you are looking to get into a new commercial insurance plan for your Medford, NJ area business, it will be important that you discuss your needs with someone that you can trust. Our team with Rock Insurance Services knows the value of this coverage and can help you evaluate all of your needs and options. This will give you the support you need to build a plan that is right for your business. 

Three things you’ll like about commercial insurance coverage

Owning a business can at times be a stressful experience. This is especially true when you’re not carrying commercial insurance for your business in the Tri-State area. If you’re looking for commercial insurance coverage for your company, we can help you at Rock Insurance Services in Medford, NJ.

The following are three things you’ll like about carrying commercial insurance for your business:

Commercial insurance coverage can give your employees more financial security.

Your employees will really appreciate it if you carry workers’ compensation insurance as part of your commercial insurance policy. This type of insurance will protect your employees financially if they end up getting injured on the job and cannot return to work as a result. 

Workers’ compensation coverage doesn’t just benefit your workers but also keeps you compliant with state law. In New Jersey, workers’ compensation insurance is required for all employers that are not either covered by Federal programs or approved to self-insure their company. 

Commercial insurance coverage can minimize the damage caused by a burglary at your facility. 

A burglary can be very costly for a business. Commercial insurance policies will often provide coverage for financial losses resulting from a burglary. 

Commercial insurance coverage keeps your company out of all kinds of trouble.

Without commercial insurance, your company could end up in financial trouble due to a lawsuit. Your company can also end up in legal trouble if you don’t carry any commercial auto or professional liability insurance that is required. 

Call us at Rock Insurance Services to discuss more of the great aspects of having commercial insurance in the Tri-State. Rock Insurance Services can offer commercial insurance policy quotes to business owners in Medford, NJ. Contact us to learn more. 

Why To Add Workers’ Compensation Coverage in Your Commercial Insurance Policy

Workers’ compensation insurance is something that all businesses should have. This vital coverage is included under the umbrella of commercial insurance. It provides coverage for employees who are injured or become ill as a result of their job. It can also keep your business afloat if you are sued for damages.

However, there are a few things that you should know before you purchase workers’ compensation insurance. Rock Insurance Services in Medford, NJ serving the Tri-State area business is here to provide a guide. 

Even Small Businesses Need Workers’ Compensation Insurance

Some business owners think that they don’t need workers’ comp because they have a few staff or because their employees are not in danger of being injured on the job. However, any business can be sued for damages if an employee is injured or becomes ill as a result of their job.

Workers’ Compensation Insurance Is Required by Law

In most states, businesses are required to have workers’ compensation insurance if they have employees. This includes full-time, part-time, and seasonal employees. The only exception is if the business is owned by a sole proprietor with no employees. In this case, the owner can opt out of workers’ compensation insurance.

You May Need More Than the Minimum Coverage

Sometimes, the minimum amount of coverage required by law may not be enough to protect your business. So, it’s essential to speak with an insurance agent to determine how much coverage you need. This will depend on factors such as the size of your business, the type of work your employees do, and the amount of risk involved.

Workers’ Compensation Insurance Protects Both Employees and Employers

Workers’ compensation insurance is a win-win for both employees and employers. Employees are protected if they are injured on the job, while employers are protected from being sued for damages.

So, if you have employees, it’s essential to make sure that you have workers’ compensation insurance. It could save you a lot of money and headaches in the long run.

Are You Ready to Protect Your Business?

Now that you know a little bit more about workers’ compensation insurance, it’s time to get started on finding the right policy for your business. Remember to keep the above things in mind when shopping around.

Get Coverage For Your Business Today

If you need help finding the right workers’ compensation insurance for your Tri-State area business, contact us at Rock Insurance Services in Medford, NJ today. We’ve got a team of experts ready to answer any questions and help you find the perfect policy for your needs.

Give us a call or fill out our online quote form to get started. We look forward to helping you protect your business!

Do I Need Commercial Insurance?

If you are a business owner, it is imperative that you have the proper insurance products in place to protect the investment you have made in both time and money. Rock Insurance Agency can help you make smart insurance choices in Medford, NJ and the Tri-State area. Keep reading to learn more about commercial insurance and how it can help you. 

What Is Commercial Insurance?

Commercial insurance is a type of insurance product that is specifically designed with business owners in mind. There are many layers to running a successful business. It is important that you have insurance protection for each of those layers. 

Instead of having several different types of insurance coverage, a commercial policy will bundle different types of insurance coverage so that you can streamline and save money. 

What Does Commercial Insurance Cover?

A commercial insurance policy can be customized to meet your needs, but in general, a policy will cover the following areas:

  • Property Damage– If your place of business is damaged, your insurance coverage will kick in to pay for repairs or replacement of property or equipment. Without this important type of coverage, you would be paying these expenses out of pocket. 
  • Auto Coverage– If you need to use vehicles in the daily operation of your business, you will need to make sure that both your drivers and the vehicles are protected. A commercial auto policy can provide this. 
  • Liability– When you own your own business you are at special risk of liability. If someone is hurt at your business or because of your goods or services, you could be held responsible for medical bills or legal fees unless you have liability insurance in place. 

Give Us A Call

If you would like to learn more about commercial insurance, please contact us at Rock Insurance Agency serving Medford, NJ and the Tri-State area.

5 Types of Coverage Every Business Owner Needs

No matter what type of business you own, it’s important to have the right insurance coverage. There are various coverage types available, and it can be difficult to determine which ones you need. Rock Insurance Agency, serving Medford, NJ and the Tri-State area is here to navigate this important coverage.

To help you make the best decision for your business, here is what every business owner should consider:

5 Types of Coverage Every Business Owner Needs

1. Property Insurance

If you own a business, chances are you have some type of property, whether it’s a physical location or equipment. Property insurance can help protect your business in the event that this property is damaged or destroyed.

2. Liability Insurance

Liability insurance can help protect your business from claims that may arise from your business operations. This type of coverage can help cover the cost of damages that you may be held responsible for and the cost of legal fees if you are sued.

3. Product Liability Insurance

If you sell products, it’s important to have product liability insurance. This type of coverage can help protect your business from claims that may arise from injuries or damages that are caused by your products.

4. Business Interruption Insurance

Business interruption insurance can help protect your business from lost income if your business is forced to close due to a covered event. This type of coverage can help you cover the cost of expenses, such as payroll and rent, while your business is closed.

5. Professional Liability Insurance

Professional liability insurance can help protect your business from claims that may arise from your professional services. This type of coverage can help cover the cost of damages that you may be held responsible for, as well as the cost of legal fees if you are sued.

Give Us A Call

You should never go into business without being fully protected. The best way to do this is to have the right insurance coverage in place. Rock Insurance Agency, serving Medford, NJ and the Tri-State area, can help you find the right commercial insurance for your business. Contact us today to get started.