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Home > Business Insurance | Custom Policies - Fairfield NJ & Clifton NJ

Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Bond Request Form
Business Owners (BOP) Quote Form
Commercial Auto Insurance Quote
Cyber Liability Quote Request
General Liability Quote Form
Group Health Quote Request
Workers Compensation Quote

Business & Commercial Insurance Information

Commercial Insurance in Fairfield and Woodland Park, NJ

business insurance

Partnering with New Jersey Businesses to Protect Commercial Assets

At Allwood Forlenza Insurance Agency, we help our clients find the insurance policy that both effectively and affordably protects their assets. However, we understand that compared to personal policy holders, business owners face unique risks, and as such require specialized insurance coverage.

From seasoned professionals to young entrepreneurs, we work one-on-one with a variety of business owners in Fairfield, NJ and the surrounding areas to help them find the right commercial policy.

Specialized Business Insurance Coverage

By working with a number of trusted carriers such as Nationwide, Hartford and Liberty Mutual, we are able to offer businesses of all shapes and sizes a variety of competitive policies. We then pare these down to find the best option. For small to medium-sized business owners, we also offer the option to bundle coverage in the form of a business owners policy (BOP) for increased protection and savings.

Our commercial options include but are not limited to: 

  • Commercial property insurance
  • Commercial general liability
  • Business owners policy (BOP)
  • Inland marine insurance
  • Commercial auto insurance
  • Commercial umbrella insurance
  • Professional liability
  • Workers compensation
  • Crime insurance

We also offer a multitude of industry specific coverage, and often write policies for individuals who hold positions such as a contractor, landscaper, or property manager.

For more information on our products and services, please contact an agent at your convenience.

Agents Working with Your Business

We work together with our clients to identify potential risks to ensure that their business is appropriately covered. Once we have the right policy in place for our clients, we will conduct annual reviews, either in person or over the phone, to account for any changes to the business. We’ll also help our clients answer important questions such as, “is my office equipment covered? How much property insurance do I need? If my business is interrupted due to a covered loss, do I have coverage?”

Our agents understand that that there are numerous reasons for a new or updated commercial policy. Whether our clients are renovating an office space or just opening their doors, we have the coverage that fits their needs. Many of our experienced agents also have a background in real estate or property management, and are valuable assets for many of our clients in the industry.

To learn more about how we can protect your business, request a quote.

Additional Resources

  • New Jersey Department of Insurance
  • Insurance Buyer’s Guides (The National Association of Insurance Commissioners (NAIC))
  • Small Business Insurance Details and Resources (The U.S. Small Business Administration (SBA))
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Why Do I Need Crime Insurance? 

Even with proper security measures and internal protocols in place, crime can still affect your business. What’s more, standard insurance policies typically exclude losses that result from crimes committed by employees and offer limited protection for crimes committed by third parties—making commercial crime coverage all the more vital.


Imagine this. You own a software store, selling and fixing various devices such as computers, phones and entertainment systems. When conducting an inventory check, you discover that $10,000 worth of store merchandise has recently been stolen. Upon investigation, the police reveal that one of your own employees was the culprit. Although commercial property insurance would likely exclude coverage for such an incident, a crime policy could provide compensation for the stolen items.

Benefits of Crime Insurance 

Crime insurance can offer businesses the following benefits: 

Coverage for the misuse of funds—It is likely that a number of your employees have access to company funds or financial information. In some cases, employees may abuse this access for personal gain. Crime insurance can protect organizations from the misuse or illegal transfer of funds, ensuring your finances are safe from internal criminal acts. 

Extortion safeguards—While it can be difficult to imagine, employees and outside actors can extort a company for funds by holding a director or officer hostage or through other illegal methods. Without crime insurance, your organization would have no means to recoup these losses, which could devastate your bottom line. 

Insurance for goods in transit—Goods in transit are particularly vulnerable to employee theft and in some cases, organizations may not notice anything has been stolen until it is too late. What’s more, if the theft takes place outside of the organization’s premises, it can difficult to prove, often leading to drawn out and expensive legal battles. Crime insurance policies can provide ample protection for goods in transit and reduce the likelihood of extreme losses whenever you send or receive products. 

Coverage for forgery and alteration—In some cases, your employees have access to checks that they can easily alter for their own gain. Effective crime insurance policies provide coverage for losses that result from the forgery or alteration of a cheque. 

Learn More About Crime Insurance  

Even with proper security measures and internal protocols in place, crime can still affect your business. What’s more, standard insurance policies typically exclude losses that result from crimes committed by employees and offer limited protection for crimes committed by third parties—making this form of coverage all the more vital.

To discuss your unique risks and to learn more about crime insurance policies, contact us today.

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110 Little Falls Rd. | Fairfield, NJ 07004
P: 973-256-5500 | F: 973-882-5601 | info@afcainsurance.com
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