Farmers Mutual of Salem headquartered in Salem, New Jersey, incorporated in 1851 as Farmers Mutual Fire Insurance of Salem County back when most of the local residents were farmers and policyholders used woodstoves for heating and cooking.  Times have changed and Farmers Mutual of Salem has changed with them. The company that began writing policies for Salem County homes and businesses has progressed to serving its insured through independent agents throughout New Jersey and Maryland.

Muller Insurance in Hoboken was founded in 1906 by my grandfather John Muller and our family has worked with Farmers Mutual of Salem for three generations. At Muller, our agents are experienced and up to date with the company’s Personal and Commercial policies and we can help you choose the right policies for your family and business.

Personal Insurance policy options include

Homeowners Advantage:  Comprehensive coverage for owner-occupied property; Identity Theft coverage provided to all Farmers of Salem Homeowners policyholders.

Combination Dwelling:  Coverage for rented properties or occupied as a secondary residence.

Condominium Unit Owners:  Coverage for owner-occupied or rented condominium units.

Renters/Tenant: Personal property and liability coverage for renters.

Personal Umbrella:  Excess Liability Coverage available as part of our Homeowner Program.

Identity Protection Program:  Identity Protection Program gives victims of identity theft what they need most – personal, expert guidance through the entire complex process of crisis resolution.

Commercial Insurance policy options include

Business Owners: Coverage for small to medium-sized businesses; Employment Practices Liability coverage available to eligible business owner policyholders.

Special Contractors:  Property and Liability coverage for artisan contractors.

Commercial Auto:  Coverage for business vehicles.

Commercial Umbrella:  Excess liability coverage for business owners.

Commercial Inland Marine:  Coverage for a variety of commercial property exposures.

Commercial Liability:  Coverage for commercial liability exposures.

Commercial Package: Comprehensive coverage for both commercial property and liability exposures under one policy.

Workers’ Compensation: Coverage for statutory workers’ compensation. (Available in New Jersey only)

With more than 150 years in the insurance industry, Farmers Mutual of Salem stands out as an insurance company that puts its clients first. The company states on its website: “Although the faces have changed, there has been no change in the Company philosophy that puts our insured’s first. Our goal remains the same; to provide SUPERIOR SERVICE WITH PERSONAL ATTENTION’ to all our insured’s through cooperation with our quality team of independent agents…”

At Muller Insurance in Hoboken, our agents have experience working with Farmers Mutual of Salem and can help you get the best coverage that suits your needs. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a NJ Certified Real Estate Appraiser (CREA), IATA Travel Agent, Certified  Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Muller is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple, Past President of the Hoboken Lions Club, a 32° Mason, and a member of the Hoboken Elks Lodge No. 74. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a NJ Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

 

 

 

 

Travelers insurance is committed to bringing its clients innovative insurance solutions that stay in sync with their ever-changing lifestyle. It’s a commitment built on Travelers’140-year heritage of industry-leading firsts – from issuing the first auto and flight insurance, to pioneering identity theft protection and discounts on hybrid vehicles. Travelers offers insurance coverages for Individuals, Business, Auto and Cyberspace — its new cutting-edge CyberFirst ® that protects technology companies from possible internet infractions and fraud.

Travelers Insurance for Individuals. You have a lot to protect. Travelers’ comprehensive policies and proactive claim service can help put your mind at ease. Its full line of companion coverages offers clients the convenience of dealing with just one company, the benefits of special multi-policy pricing and discounts of up to 15 percent.  Traveler’s personal insurance covers Auto, Homeowners, Renters, Condominium, Flood, Boat and Yacht, Umbrella, Wedding & Special Events, Identity Fraud Protection, Valuable Items, and the Affinity Auto & Home Program.

Travelers Insurance for Homeowners. Your home is a precious commodity that protects your other precious commodities, i.e. your family. Travelers Homeowners insurance, which is only available when you bundle it with a Travelers Auto policy, can provide coverage for: damages to your home’s physical structure and other structures like a garage or shed; personal belongings, whether in your home or elsewhere, and extra coverage for valuable items; temporary living expenses in the event of a covered loss; and personal liability if someone is injured or their property is damaged at your home. You can also save up to 15% on your homeowners policy when you buy other Travelers policies like umbrella insurance and boat insurance.

Travelers Insurance for Business. Whether you’re a small or large business owner, Travelers offers specialized coverage and claim service so that you can do business with confidence. Travelers business insurance covers Small Businesses, Mid-Sized Businesses, Large Businesses, Specialized Risks, Surety Bonds, Management & Professional Liability, and Risk Control.

Travelers Auto Insurance. In the past, drivers were categorized into a small number of groups based on a few basic criteria. Today, Travelers’ in-sync philosophy has led the company to take a more comprehensive approach to how it determines rates. Travelers Auto Insurance is designed to give you individualized pricing, greater flexibility to accommodate changes in your circumstances, more coverage options to meet your family’s needs and budget and immediate claim attention.

Travelers Cyber Liability Insurance. A pioneer in cyber insurance coverage, Travelers CyberFirst ® is a suite of coverage options designed for the needs of technology companies including:

• Technology errors and omissions liability: Protects against damages that the insured must pay because of economic loss resulting from its products or work and caused by an error, omission or negligent act
• Network and information security liability: Cutting edge coverage protects against risks associated with the failure to protect electronic data containing others’ private or confidential information, the inadvertent transmission of a virus and the inability of authorized users to access the insured’s website or computer network
• Communications and media liability:  Broad coverage to protect against claims or suits for damages resulting from unauthorized use of someone else’s copyrighted or trademarked intellectual property, whether electronic or in print.
• Expense Reimbursement:  Coverage for Security Breach Notification and Remediation Expenses, Crisis Management Service Expense Business Interruption and more.

At Muller Insurance in Hoboken, our agents have the expertise to help you with the Travelers insurance coverage that best suits your needs. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a NJ Certified Real Estate Appraiser (CREA), IATA Travel Agent, Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Muller is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple, Past President of the Hoboken Lions Club, a 32° Mason, and a member of the Hoboken Elks Lodge No. 74. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a NJ Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

 

 

By now we’ve all seen “Flo” the spunky TV spokeswoman who explains the benefits of insuring your car with Progressive. With “Flo’s” commercials and more than 41 years of experience, Progressive has become the country’s third-largest commercial vehicle insurance company and holds an A+ rating from A.M. Best. Progressive’s customized insurance policies offer flexible payment options, 24/7 claims service and discounts for qualified drivers and at Muller Insurance in Hoboken, we team with Progressive to get you the best commercial vehicle policies to fit your company’s needs.

Personal auto insurance policies can provide enough auto insurance coverage for some businesses, especially if you’re also driving your vehicle for personal use. However, if you require specific commercial auto insurance coverages, high liability insurance limits, operate an unusual vehicle, haul special equipment, transport goods or people, or have other special needs, then you’ll need commercial auto insurance and Progressive Commercial polices cover most vehicles, drivers and businesses including:

Vehicles: Business autos, vans, SUVs, food trucks, tow trucks, landscaping vehicles, dump trucks, snow plows, and pick-ups to tractor trailers

Drivers:  Inexperienced to veteran operators; clean driving records or points

Businesses: Whether a new venture or established business such as landscaping and snowplowing; contractors and artisans; courier and delivery services; restaurant and food services; and, wholesale trade.

Sometimes accidents happen and when a business vehicle is in an accident and needs repair, it’s more than just an inconvenience, it impacts your livelihood. Where available and at no extra charge, you can choose Progressive’s concierge level of claims service. If you have a claim, day or night, just drop off your vehicle at one of Progressive’s service centers and they’ll take care of the rest – from writing estimates to arranging repairs with a body shop in its network of repair facilities. If you use a repair shop in the Progressive network or a claims service center, you’ll get a Limited Lifetime Guarantee on the repair work, which is valid as long as you own or lease your vehicle. With a Progressive Commercial policy you can expect fast solutions to get you back on the road.

Progressive Commercial coverages include: Liability; Bodily Injury; Property Damage; Medical Payment; Physical Damage; Uninsured Motorist; Non-Owned Vehicle; and more.

As one of the largest commercial insurance carriers in the country, Progressive offers:

• Competitive rates with a number of different discounts and choices to keep costs down
• Flexible coverage and billing options for your changing business needs
• World-class commercial claims service
• Online policy access and 24/7 telephone customer service with a “live” service representative

At Muller Insurance in Hoboken, our agents have the expertise to help with Progressive Commercial vehicle insurance coverages and the right policy to fit your business needs. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a NJ Certified Real Estate Appraiser (CREA), IATA Travel Agent, Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Muller is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple, Past President of the Hoboken Lions Club, a 32° Mason, and a member of the Hoboken Elks Lodge No. 74. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a NJ Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

 

Franklin Mutual Insurance is one of the most experienced – and one of the oldest – insurance companies in New Jersey.  Founded in 1879 as the Franklin Farmers Mutual Fire Assurance Association in Franklin Township, the company later changed its name to Franklin Mutual Insurance (FMI) and moved to Branchville where it has become the largest mutual insurance company in New Jersey. Unlike many insurance companies, FMI is not owned or controlled by a large financial institution, nor does it have any stockholders. FMI’s primary concern is its policyholders and it offers Residential and Commercial policies, a wide range of Optional Coverages and policies for entrepreneurs who operate a business from their home.

FMI’s Residential Policies cover Unit Owners; Tenant/Renters; Combination Dwelling; Builders Risk and a Homeowners Insurance program with several optional insurances including:

• Significant Insurance for your Significant Other: FMI understands that who you share your life with is your business. If you’re a  policyholder, FMI gives you the option of broadening coverage to include your resident companion.
• Identity Theft and Personal Injury Coverage: These days, identity theft is more prevalent than ever. This coverage provides identity theft resolution service and credit protection as well as document recovery. Personal injury protection – suits such as libel, slander, false arrest and invasion of privacy – is also included.
• Personal Excess Liability Program: You don’t have to be a millionaire to be sued like one and the Personal Excess Liability Program enhances your basic coverages and this includes excess liability limits up to $5,000,000; and defense costs for suits filed against you for covered claims.
• New Home Discounts and Renewal Credits: A new home can mean as much as 30 percent off your premium, and renewed policies automatically receive additional discounts.
• Optional Coverages FMI offers coverage options including sewer/septic backup and sump pump failure; increased limits for cash, jewelry, credits cards, and silverware; theft of building supplies and more.

FMI’s Commerical Insurance policies include Business Owners; Worker’s Compensation; Commercial Package; House of Worship; Non-Profit; Excess Liability and Builders Risk. FMI also offers programs like the:

FMI Home Business Program that protects entrepreneurs who run a business from home. The FMI Home Business Program is designed to give homeowners the essential protection needed for their home business under the same policy that insures their home.

FMI Restaurant Owners Program that’s designed to give restaurateurs all the protection they need in one package including:

• Comprehensive replacement cost coverage on your contents
• Protection against loss of income
• Business liability
• Money and Securities Coverage
• Fire Legal Liability
• Systems Breakdown Coverage
• Increased Protection for Glass
• Additional coverages including food contamination shutdown; employee dishonesty coverage;
  computers and software coverage; and sewer/drain backup coverage

FMI’s wide-array of insurance coverages that keep up with our changing lifestyles seems to be why the company has been a leader in the insurance business for more than 100 years. Muller Insurance in Hoboken has also been in business for more than 100 years – we were founded in 1906 – and our agents have the expertise to help you secure Franklin Mutual Insurance coverages that fit your lifestyle. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s  day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a NJ Certified Real Estate Appraiser (CREA), IATA Travel Agent, Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey,  New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Muller is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple, Past President of the Hoboken Lions Club, a 32° Mason, and a member of the Hoboken  Elks Lodge No. 74. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a NJ Notary Public and a  member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

 

 

 

When you think of your retirement do you picture yourself golfing; playing tennis with friends; gazing at the sunset from your own private yacht? Retirement can be a wonderful chapter in your life, but to make it financially secure you’ll need to start writing that chapter now, with some smart financial planning.

At Muller Insurance in Hoboken, our agents work closely with financial consultant Jody Graber, who handles retirement planning and creates financial retirement plans for many of our clients. Jody says there are several factors to consider these days as Baby Boomers enter retirement and younger generations consider their future retirement

“People ask me, ‘what do I need to retire?’ and I ask them, ‘What do you need to live?’” Jody says. “Will you go out to dinner often? Are you going to travel and live your  life? Every situation is different, so I tell people, ‘put away as much as you can.’”

Jody’s advice when setting up a retirement plan is to “grow your money.”

“If you put your money in a money market account it just sits there,” Jody says. “Your money has to grow or you’re losing money. The cost of living continues to rise.”

Jody recommends growing your money in Mutual Funds. Mutual funds are a diversified way of investing in stocks and seeing your money grow. When you buy a mutual fund, it’s a portfolio of 200-400 different stocks, Jody says. It’s for a person who wants to buy stock but doesn’t have the money to buy a lot of shares of high-priced stocks like Apple or Google, for instance.

“You’re not just investing in one company or putting all your eggs in one basket,” Jody says. “There are a lot of different funds out there that I like. If somebody says, ‘I want to put away $1,000 a month,’ I’ll put together six or seven funds – a gold fund, foreign, energy, technology, a lot of different funds gives a lot of diversification.”

Of course, the stock market has its ups and downs, but it’s more like a ride on a slow mountain, Jody says. The market is going to take hits, but similar to the housing market, it’s going to end up higher than when you started investing, based on the past.

“When you buy a new TV you do research,” Jody says. “That’s what I do with Mutual Funds. I don’t guess. Nothing’s guaranteed but over time they’ve done well. They are not for the short term, however, and require a minimum of five years or more.”

The 401K retirement fund offered by employers is a good way to invest in your retirement, Jody says, but it still may not be enough to retire on.  He says: “And we don’t really know if there’s going to be Social Security and if there is, it may not be enough money to live on.”

When people find a new job, many times they roll over their 401K to the new company, but Jody says it’s better to roll it into an Individual Retirement Account – IRA – because you have more diversification. And again, you’re not putting all your money in one basket.

For an individual who owns their own business, Jody recommends the Simplified Employee Pension – SEP – which is a glorified IRA, he says. With an IRA, you can only put away $5,000 yearly, but with the SEP you can put away $50,000 yearly.  Just keep in mind, that all these plans are pretax dollars. Some clients prefer the Roth IRA where your money is taxed prior to depositing it in your account. It’s not for everyone, Jody says, because there are income limits, but it’s another alternative.

There are many options in retirement planning and every situation is different. What’s important is to take steps now to plan for the future so that when it comes time to retire, you can golf, play tennis or sail on your yacht.

“People have to make retirement happen,” Jody says. “A lot of people can’t retire anymore because they didn’t plan for their future.”

At Muller Insurance in Hoboken, our certified professional insurance agents along with our financial consultant Jody Graber can help you map out your financial retirement plan. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a NJ Certified Real Estate Appraiser (CREA), IATA Travel Agent, Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Muller is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple, Past President of the Hoboken Lions Club, a 32° Mason, and a member of the Hoboken Elks Lodge No. 74. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a NJ Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

Just like Muller Insurance in Hoboken, Cumberland Insurance Group (CIG)  has been serving New Jersey residents for more than 100 years. At Muller, we continue to work with CIG because they provide our clients with excellent personal and business insurance packages tailored to fit like a tuxedo on your wedding day.

If you’re looking for an insurance carrier that can deliver superior coverage, excellent value and exceptional service, whether your insurance needs are business or personal, CIG offers you the flexibility to package a range of insurance coverages that save you money.

CIG’s Personal Lines policies provide protection for your home, personal valuable, autos and more:

Homeowner: Coverage for your dwelling, personal property and personal liability. Identity Theft Resolution Services are also included.

Combination Dwelling: Provides coverage for a dwelling that you own and rent to others.

Tenant:  Coverage for your personal property and personal liability if you rent a home or apartment. Identity Theft Resolution Services are also included.

Condominium: Coverage on contents and on any part of the building which the unit-owner is required to insure by written agreement with the condo association. Identity Theft Resolution Services are also included.

Personal Umbrella: Provides an additional $1 million to $5 million of liability protection; (available as part of the Homeowner’s Policy in New Jersey).

CIG’s Commercial Lines policies for businesses insure facilities, cover special risks and guard against the damage that an interruption in business operations can cause. Restaurants and Artisans are some of the many types of businesses that rely on Cumberland because the company understands that they have specific insurance needs. By wrapping all your commercial business into one comprehensive package, CIG can meet your requirements and save you money.  Commercial Lines coverages include:

Commercial Auto: Coverage for vehicles owned by your business for damages and liabilities.

Business Owners: Coverage for small to medium-sized businesses for Property, Liability, Loss of Income and other optional coverages.

Liability: Coverage for your business against claims from others for bodily injury and property damage.

Property: Coverage for your business building and/or contents from loss caused by covered perils.

Special Contractor’s Package:  Provides small artisan contractors with coverage for business liability and optional property coverage for buildings, contents, tools and equipment.

Workers Compensation:  Provides statutory benefits for your employees who are injured on the job. Also provides Employers Liability Coverage.

Umbrella: Provides increased limits of liability above your existing liability policies.

It’s easy to see why The Cumberland Insurance Group has been in business for so long. They provide superior service to their clients.  At Muller Insurance in Hoboken, our certified professional insurance agents are familiar with CIG’s coverages and have the expertise to help you secure the best insurance coverage tailored to your needs. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 

 

 About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a NJ Certified Real Estate appraiser (CREA), IATA Travel Agent, Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Muller is a member of Sigma Xi, a lifetime  member of the Hudson River Fishing Association, and Shriners-Salam Temple, Past President of the Hoboken Lions Club, a 32° Mason, and a member of the Hoboken Elks Lodge No. 74. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a NJ Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

 

 

My family has been in the insurance business since 1906 when my grandfather John Muller first opened Muller Insurance in a Hoboken storefront with his hand-painted name gracing the front door. Back then, John Muller provided a spectrum of services for his clients and one company Muller Insurance has maintained a relationship with all these years is Fitchburg Mutual Insurance, which has been insuring families and businesses in the Northeast since 1825. Muller Insurance has provided many of its clients with policies from Fitchburg Mutual Insurance because they offer a wide spectrum of insurance coverages for Auto, Business, Home and Umbrella — and they do it well!

Fitchburg Mutual is a member of The Norfolk & Dedham Group and is headquartered in Dedham, Massachusetts. It also has a branch office in Bridgewater, New Jersey. A.M BEST, a leading insurance industry authority assigns The Norfolk & Dedham Group an “A” Rating for excellence in the services it provides, including:

The Personal Auto policy which protects your family car at home and away; and the Commercial Auto policy which insures commercial vans, trucks and private passenger autos.

The Business policy which offers flexible, comprehensive package-policies for Retail, Service and Office operations that protect your building, business personal property, loss of income and liability; and Workers Compensation that provides medical benefits and loss of wages for your employees.

The Home & Umbrella policy: A Fitchburg Mutual Homeowners or Condominium Owners policy protects home, personal property and personal liability. When you add Umbrella Liability, you extend your auto and homeowner liability by up to $1 million.

Fitchburg Mutual offers Companion Policy Credits when you have multiple policies and unique pricing advantages that feature:

• discount on BOTH your Home and Personal Auto policies
• A discount on a Personal Auto Policy for a Business Package policy holder
• A discount for individual condominium unit owners’ policies when Condo Associations insure with Fitchburg Mutual

Fitchburg Mutual also has a fast Local Claims Service so you can quickly repair or replace when the need is there and also provides fast and accurate settlement when you need it most. In many cases, Fitchburg Mutual sends a “Claims Van” straight to your home or business with an experienced claims representative offering immediate assistance.

At Muller Insurance, our licensed customer service representatives have the expertise to help you secure the coverage that best fits your needs with Fitchburg Mutual Insurance’s spectrum of services. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

It’s that kind of personalized service that my grandfather John Muller believed in back in 1906 and something we continue to stand by today.

 

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a travel agent, Certified Real Estate Appraiser (CREA), Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Roger J. Muller, Jr. is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a New Jersey Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

 

We are a litigious society, no doubt about it, which is why it would be in your best interest to protect yourself with a Personal Umbrella Policy in case someone sues you for a big sum of money – say,  a million dollars.  If you think it’s not possible you could ever be sued for that much money, you might want to ask yourself these questions:

1. Do you own your home?
2. Do you own a vacation home?
3. Do you own waterfront property?
4. Do you have a swimming pool on your property?
5. Do you own more than one car?
6. Do you own a luxury car?
7. Do you own a boat?
8. Do you own a dog?
9. Do you have above-average family income?

 

Even if you answered “no” to each of these questions, there is still the possibility of your being sued for a million dollars, although the majority of major suits are leveled against people who answered “yes” to one or more of the above questions. Here are some important facts about major lawsuits:

1. You don’t have to be a millionaire to be sued like a millionaire.
2. Juries don’t seem to care about the ability to pay when they award million dollar judgments.
3. Your auto insurance will protect you only to the limits of your liability coverage.
4. Your homeowners insurance will protect you only to the limits of your liability coverage.
5. You might not have done anything wrong and still be forced to pay. (Even a fenced-in pool has been deemed “an attractive nuisance.”)
6. You can lose nearly everything you own and still be liable to pay more out of your future earnings.

 

At Muller Insurance in Hoboken, our agents can provide complete information and help you secure affordable rates on a Personal Umbrella Policy that provides:

• $1 million dollar (and higher) “umbrella” liability protection over and above your basic homeowners and automobile liability limits.
• Coverage for your motor vehicle and watercraft operations.
• Protection from incidents involving any property covered by your homeowners’ policy.
• Proper protection in case of libel, slander, character defamation, privacy invasion and false arrest.
• Coverage for everyone in your household (relatives or others residing with you).
• An overview so that you understand exactly what is and is not covered (some “exclusions” include professional liability, business liability and aircraft liability).

At Muller Insurance in Hoboken, our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com). Why not let us help you prepare for a “rainy day” with a Personal Umbrella Policy.

 

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a travel agent, Certified Real Estate Appraiser (CREA), Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Roger J. Muller, Jr. is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a New Jersey Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

As soon as you get on a motorcycle, you need protection – a helmet, jacket, boots – and you also need insurance protection for you, the bike and anyone or anything that may be involved in a fender-bender, or worse.

The Progressive Group of Insurance Companies has been insuring motorcycles for more than 43 years. With more than one million riders, it is the largest motorcycle insurer in America. With Progressive Insurance, you can offer your customers a comprehensive motorcycle program with specialized coverages and competitive prices.

Progressive offers coverage for most motorcycles including cruisers, sport bikes, touring bikes, dirt bikes, mopeds, scooters, ATVs, custom motorcycles and motorcycles more than 25 years old. It provides coverage for special needs, with policy options including: Accessory coverage; Transport Trailer coverage; Roadside Assistance; Comprehensive and Collision coverage; Bodily Injury/Property Damage Liability;  Uninsured/Underinsured Motorist coverage; Medical Payments; Trip Interruption; Total Loss coverage; Rental Vehicle coverage; and On-road coverage for off-road vehicles.

A Foremost Motorcycle insurance policy provides important standard and optional coverages that may not be available in a conventional auto policy. A Foremost Motorcycle insurance policy can give you added security and value for your money and provides a wide range of coverages including Collision; Liability; Medical Payments; Safety Apparel; and Optional Equipment coverages.

For extra coverage on the open road, and because not everyone’s needs are the same, a Foremost policy offers a variety of options including:

Increased limits on Liability

Uninsured/Underinsured Motorist Coverage

Replacement Cost Total Loss Settlement Coverage

Increased limits on Optional Equipment Coverage

Towing and Roadside Assistance with Trip Interruption Coverage

Coverage on transport trailers valued up to $7,500

At Muller Insurance in Hoboken, our certified professional insurance agents have the expertise to help you secure the best motorcycle coverage to fit your needs. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a travel agent, Certified Real Estate Appraiser (CREA), Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Roger J. Muller, Jr. is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a New Jersey Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.

Spring is just around the corner and many boating enthusiasts are already checking out boat shows or giving the family runabout a fresh coat of paint. But whether it’s a little dinghy that gets you around the lake or a yacht where you host cocktail parties of 25, as a boat owner you want to ensure you and your guests are fully protected by land and by sea.

As a Professional Insurance Agent at Muller Insurance, I recommend several insurers that specialize in boat insurance:  Chubb, Travelers, Foremost, and Progressive. These companies have many good reasons to insure with them so let me  give you a brief overview of each.

Travelers Insurance offers coverage for small and large boats, yachts, antique, and classic runabouts and the company can provide coverage for:

Physical Damage caused by a collision with a submerged object or other vessel.

Liability for both injury or damage to the property of others.

Damage for personal property on the boat.

Gas delivery, towing and assistance if your boat gets stranded.

Savings for hybrid or electric boats.

Choice of Actual Cash Value or Agreed Value policies.Discounts and Advantages based on your
boating education and your boat’s safety features.

Progressive Insurance has been insuring boaters for more than 25 years. Considered one of America’s leading boat insurers, Progressive offers customers a comprehensive boat program with specialized coverages and competitive rates. Progressive provides specialized coverages for fishing boats, runabouts, personal watercraft, and boats up to 50 feet long and $250,000 in value and specialized coverages with policy options like:

Total Loss Replacement. Replaces insured’s boat with new one of similar make and quality.

Disappearing Deductibles. Reduces the deductible by 25 percent at each claim-free renewal.

Replacement Cost Fishing Equipment. Up to $10,000 for tackle, rods and reels.

Replacement Cost Personal Effects. Protects the insured’s personal items.

24-Hour Roadside Assistance. Covers trailer and tow vehicle, even if tow vehicle is not insured with Progressive Insurance.

Property Damage Liability. Includes coverage for fuel spill cleanup.

Medical Payments. Includes coverage for water-skiers.

Chubb is a leading insurer of large boats. Whether you own a runabout, sailboat, or yacht, Chubb’s Masterpiece Yacht policy for watercraft valued at less than $1 million includes broader coverages typically not available from other insurers,  including:

Replacement cost. In the event of a covered total loss, Chubb will pay the replacement cost for watercraft that is insured for less than $1 million and is three years of age or less.

Agreed value.  For watercraft insured at $1 million or greater or over three years of age, Chubb offers “agreed value” which essentially settles a covered total loss before it occurs.

12 Month Navigation. Chubb covers full-year navigation, unlike other insurers that require a lay-up period.

All four insurers – Chubb, Travelers, Foremost, and Progressive – provide many specialized coverages for boat owners. Now that spring is almost here, it may be wise to stop by Muller Insurance now so that you’ll be ready when boating season begins, fully-protected for any water emergency that may arise while you navigate those beautiful blue waters.

At Muller Insurance in Hoboken, our licensed professional insurance agents have the expertise to help you secure the best boat insurance coverage that fits  eeds. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients,  Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a travel agent, Certified Real Estate Appraiser (CREA), Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Roger J. Muller, Jr. is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a New Jersey Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.