Arctic Risk Specialists

732.372.4348

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As an independent insurance agent with valuable connections to leading insurance carriers, Arctic Insurance Company (“Arctic”) can provide you with the most competitive policy rates while still maximizing your protection. Our experienced team can guide you through various insurance and non-insurance options, making sure you fully understand each step of the process. Whether it’s protecting the financial future of your family, insuring your home or safeguarding your business, Arctic can offer you an optimal insurance plan designed for your specific needs.

About Us

A FEW WORDS ABOUT US

Arctic Insurance Company (“Arctic”) specializes in bringing premier risk management services to our clients in order to minimize their liability and protect their interests. Our expert team of insurance professionals prides itself on providing quality customer service, giving clients a thorough explanation of the often complex nature of insurance and guiding them through insurance solution options tailored specifically for the protection they seek. We partner with the most trusted insurance carriers in the industry to ensure our clients are presented with premier insurance plans from stable institutions.

"There's No Such Thing As an Uninsured Loss. 
An Uninsured Loss Is A Retained Loss"  -National Alliance CRM

Carrier Partners

Our Services

Arctic Insurance Company (“Arctic”) specializes in bringing premier risk management services to our clients in order to minimize their liability and protect their interests. Our expert team of insurance professionals prides itself on providing quality customer service, giving clients a thorough explanation of the often complex nature of insurance and guiding them through insurance solution options tailored specifically for the protection they seek. We partner with the most trusted insurance carriers in the industry to ensure our clients are presented with premier insurance plans from stable institutions.

Commercial Insurance

Arctic offers comprehensive insurance packages to protect any aspect of your business. From inventory to company vehicles and real property, we can provide you with policy options that suit your specific needs. Services include:

 

 

 

 

• Restaurants

• Garage and repair shops

• Delivery services

• Day care operations

• Contractors

• Manufacturers

• Retail

• Wholesale

• Professional offices

Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items. Property insurance may cover direct loses as a result of lost, stolen or damaged property, or consequential losses that result from direct loses.

Business Auto Insurance

Business auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses of any size or scope, and may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. Our experts can identify the right plan for your business and your fleet.

Auto Insurance

It is critical to properly protect yourself from the danger of auto liability suits than can result in colossal award payments. The proper level of coverage can insulate you from this danger. We provide first-rate plans available through reputable auto insurers and can find the coverage that’s right for you.

 

Compulsory Auto Policy Coverage

• Bodily Injury to others

• Personal injury protection

• Bodily injury caused by uninsured auto

• Damage to another person’s property

 

Optional Coverages

• Optional bodily injury to others

• Medical payments

• Collision

• Comprehensive

• Substitute transportation

• Towing and labor

• Bodily injury caused by an under insured auto

 

Workers’ Compensation

Workers’ Compensation claims arise from bodily injury and disease that occur during the course of employment. Workers’ Compensation provides for payment of medical, income, death and rehabilitation benefits as a result of the bodily injury or disease. One of our Workers’ Compensation professionals can provide you with a full explanation of the Workers’ Compensation insurance policy that can most benefit your business.

Homeowners Insurance

Commercial general liability insurance is a complex, but necessary facet of any business. Casualty insurance is comprised of liability coverage that insulates
an insured party and third-party injury or damage claims. Policies protect against claims arising out of:

 

• Premises and Operation

• Fire Damage Liability (damage by fire to premises rented to insured)

• Personal and Advertising Injury

• Medical Payments

• Products/Completed Operations

 

Commercial general liability coverage may be grouped as part of an umbrella business owner’s policy, which incorporates the commercial general liability coverage into one comprehensive plan along with business property insurance. This can be a cost-effective and time-effective option. Contact one of our experienced agents to determine what type of plan can best protect your unique business.

 

Life Insurance

 

• Whole life insurance

• Universal life insurance

• Term life insurance

 

Arctic offers multiple life insurance products depending on your personal needs. Everyone should consider a life insurance policy, especially if you have a spouse, dependent children, aging parents or your own business. Our life insurance experts can help you select the plan that meets the needs of your current situation, and can help you adjust your policy when situations change. Our main life insurance options include:

 

Whole Life Insurance

Whole life insurance is permanent life insurance that remains effective for the insured person's lifetime, so long as specifiedpolicy premiums are paid. This option can build cash value.

 

Universal Life Insurance

Universal life insurance is a form of permanent life insurance known for flexible premiums. Like whole life insurance, it can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.

 

Term Life Insurance

Term life insurance provides life insurance protection for a specified time period. It is less expensive than permanent life insurance, and is available in varying term periods with fixed premiums. Occasionally, it may be converted into permanent coverage, which is ideal for someone with changing needs.

 

 

INDUSTRY SPECIALIZATIONS

 

Snow Removal Contractors Insurance

 Due to frivolous claims that have become commonplace, snow removal insurance prices are on the rise. Slip and fall claims, a major issue within the industry, have plagued snow removal contractors without the proper coverage and have put the industry completely at risk.  As a result, the Accredited Snow Contractors Association has been formed to target these issues.

 

Arctic Insurance Company offers snow removal insurance for contractors and snow fighters who maintain sidewalks, driveways, private residences, parking lots and commercial properties that engage in such operations as: removal with skid-steer, loaders, shovels, snow blowers or similar equipment as well as snow removal using trucks and plows with auto coverage in place.  Snow removal subcontractor insurance will also be considered for coverage.

 

Garage And Auto Body Repair Insurance

 Well-maintained garage and auto body repair shops will be eligible for Arctic’s fully-comprehensive garage protection policies. The policies include coverage for:

 

• Building

• Garage liability

• Garage keepers insurance

• Mechanics professional liability

• Employee's tools

• Tow trucks

• Owned autos

• Customers auto's held for service

• Off premises/ in transit

 

Manufacturing Business Insurance

Arctic Insurance Company can help you identify the ideal coverage to protect your manufacturing business from property damage and insulate the company from consumer liability claims that can be financially devastating. Arctic can also incorporate Workers’ Compensation insurance tailored to the specific needs of your manufacturing business, delivering benefits for work-related injuries and illnesses sustained by employees.

 

 

Buying a home is often a large personal investment and should always be protected with a comprehensive home owners insurance plan. We offer everything
you need to safeguard your home, and have added options for those who wish to achieve the maximum possible coverage.

 

 

 

 

Additional Security Measures

• Home Replacement Guarantee

• Replacement cost on contents

• Additional coverage form

 

 

 

Necessary Basic Protection

• Your home

• Other buildings or structures on your property

• Your personal belongings - furniture, clothing, appliances, etc.

• Additional living expenses

• Your personal legal liability

 

 

 

Commercial General Liability Insurance

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