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Toms River NJ 08753 Business Insurance, 08753 Commercial Insurance, 08755 Workers Comp Insurance, Flood Insurance 08755, Property Insurance Toms River NJ, Landlord Property Insurance 08753, Rental Property Insurance Toms River NJ, Restaurant Insurance 08755, Bar Insurance Toms River NJ, Commercial Auto Insurance 08755

& E Insurance Agency's Agents have Won the 2015 and 2014 NJ Monthly Magazine-Five Star Home/Auto Insurance Professional Award as featured in NJ Monthly Magazine March 2014
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Commercial and Small Business Owners have a variety of Insurance needs.  Not only must they protect against the risks that their business and employees face everyday, they also must comply with an assortment of rules and regulations administired and enforced by local and state governments. The fines for failure to comply can be substantial. That's why the commercial and small business owners need an
Trusted Choice® Agent   who can help them recognize and comply with the rules to protect their people and assets.

Another problem is the location of these businesses and Homes located on or near waterfront, rivers, and lakes on or near the Coast.  These locations can make properties prone to underwriting issues that prevent the most common Insurance companies from offering coverage. The majority of NJ appointed Insurance companies set a 3-5 Mile exclusions to water....meaning they will not insure most businesses and homes anywhere in that 3-5 mile range! And if you do find insurance, the Wind and Hurricane deductibles could be 1% to 5% or higher! 
An example: a wind loss occurs--- $100,000 in damages on your $1 million dollar home, it has a 5% wind deductible, so you could end up shelling out $50,000 for wind and or hurricane damages before the insurance company pays you the first dollar of a claim. 

We have Insurance Carriers that are insuring Business and High-End Afflulent Homes and costal and waterfront properties on the Barrier Islands in that 3-5 mile range from the coast that most companies are excluding. New additions to our agency over the last 6 months are helping homeowners get better coverage with lower deductibles.

I & E Insurance Agency is your one stop solution for all your Affluent and coastal insurance needs

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I & E Insurance Agency is an independent family owned and operated Agency serving all of NJ.  
Our Principals (2) have over 65 + years experience. As a 
Trusted Choice® Agency  we provide a full range of Insurance for Business, Personal and Commercial clients. 


It doesn't matter whether your Business or Dream Home is in Warren  or Morristown , a  small cottage in Belmar , a 10,000 square foot McMansion in  RUMSON , a Pizza Parlor in Lavallette , a 110 year Old Victorian in  Ocean Grove,  a Hotel in  Cape May , a retail store in  Paramus  or even a ocean view condo in ​​​​​​Atlantic City -- we can get you the proper coverage for your Business, Home or Commercial property.​ 

And in some cases, we can package all YOUR insurance needs such as AUTO, home, boat, flood, primary and vacation coverage all together saving you time and money.

Additionally, through our affiliation with ANE   we offer the strength and power of a Country-wide agency, but with the personalized service and Old fashion charm of a local corner agency.  You are more than a customer; you are our neighbors, friends and clients.

We're here to help when you need us most.

(All services through independent entities)

If you have any questions or would like to set up an appointment
with us call 732-295-5584 or email us at

See Our reviews on

Plan today, Smile tomorrow, Life Happens Be ready!

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