Insurance built for New Jersey

The Allen Thomas Group is licensed across New Jersey and serves both personal and commercial clients. We shop top A-rated carriers — Progressive, Liberty Mutual, Cincinnati, Auto-Owners, Western Reserve Group, Travelers, AmTrust, and more — to put real options in front of you.

Whether you’re shopping auto and home for the first time, comparing a renewal, or building out commercial coverage for a growing business, we put multiple carrier quotes side-by-side and explain coverage differences in plain English.

Personal insurance for New Jersey families

Auto insurance. Liability, collision, comprehensive, uninsured/underinsured motorist, medical payments. We shop multiple carriers to find the right balance of coverage and price for your driving profile.

Homeowners insurance. Dwelling, personal property, liability, loss of use. We make sure replacement cost (not actual cash value) is set correctly and that hidden exposures like water backup, ordinance & law, and personal property limits are addressed.

Life insurance. Term, whole, and universal life from top-rated insurers. We help you size coverage based on actual needs — income replacement, debt, education funding, estate planning — not generic rules of thumb.

Umbrella. $1M-$5M+ in personal liability protection on top of your auto and home. Increasingly important as judgments and settlement values rise.

Business insurance for New Jersey companies

General liability. Premises, products, completed operations, advertising injury. The foundation of every commercial program.

Commercial property. Building, contents, business income. We make sure replacement cost limits are accurate and coinsurance penalties don’t bite at claim time.

Workers compensation. Statutory benefits with class code accuracy that drives premium 20-40%. We audit codes before quoting.

Commercial auto. Fleet, hired/non-owned, cargo, trailer interchange. Symbol selection on the declarations page determines what’s actually covered.

Cyber liability. Breach response, ransomware, business interruption, regulatory response. Now essential for any business holding customer data.

Industry-specific programs. Manufacturing, contractors, healthcare, restaurants, retail, technology, professional services, and more. We package coverage around how your business actually operates.

Why an independent agency in New Jersey

Captive agents represent one carrier — that’s the only quote you get. We represent you and shop 15+ A-rated carriers. The right carrier for an Akron manufacturer is rarely the right carrier for a Cleveland law firm or a Cincinnati restaurant. We match exposures to carrier appetite.

How we work

5-minute intake call or online quote form. Quotes back in 24-48 hours for clean profiles. Side-by-side comparison of options. We bind the policy, handle paperwork, and stay involved through the year — certificates, endorsements, claims advocacy, renewal marketing.