We are a third-generation company, and have been advocating for you on a 1 on 1 basis, helping you make informed decisions since 1933. Our promise to you, is listening to your personal or commercial needs and finding a solution that will help you reduce exposure to risk and increase profitability, keeping your hard-earned dollars in your pocket!

Pavese-McCormick is independently owned and locally operated. We focus on New Jersey and the New York Metro Tri-State Area for reliable insurance choices from over 30 insurance carriers. We will help you find the right combination of tailored, personalized insurance coverage at just the right price to fit your personal or commercial insurance needs.

Pavese-McCormick, an independent insurance agency, takes pride in finding insurance solutions that are unique to your business needs. We will take the time to review your options with multiple insurance companies, comparing programs and prices to find the best value for your business. Our knowledgeable representatives will work with you to design tailored risk management and loss control programs that drive reduction of expenses and increase bottom line profit so that your business can thrive.

Contact Pavese-McCormick agents today! We are committed to helping you outperform your competition, and protect your investment and livelihood.

• General Liability Insurance
• Commercial Property Insurance
• Business Auto Insurance
• Commercial Umbrella Insurance
• Workers’ Compensation Insurance
• Bonds – Commercial & Contract Surety
• Management Liability
• General and Trade Contractors

• Food Distributors
• Wholesalers/Distributors
• Technology
• Hospitality/Hotel
• Manufacturing
• Social Services/Non-Profit
• Medical Device Manufacturing
• Life Science Insurance
• Retail Stores
• Plastic Manufacturing
• Restaurants
• Real Estate/Commercial Property
• Education

If you own a commercial building, you would need commercial property insurance in efforts to cover replacement costs on your building, inventory, equipment, tools and more due to loss from fire, break-in, vandalism, windstorm or other natural or manmade disasters. Although cost estimators are available, Pavese-McCormick recommends that you secure an appraisal from a third party to accurately determine the current replacement cost of your building.

Pavese-McCormick can help you determine the type of insurance policy and range of coverage that is best suited for your business. Contact us for additional information and policy coverage to help you find the best solution for your commercial building. Ask our representatives about:

• Building - replacement costs
• Flood – damages incurred
• Business Personal Property – coverage for equipment and more at a specific location
• Business Income (Business Interruption Coverage) – lost profits and fixed expenses
• Ordinance Or Law Coverage – building code standards and coverages
• Time Element – Off Premise Utility Services
• Electronic Data Processing (EDP) – computer related equipment coverage

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers 3rd party bodily injury or property damage exposures of a business. It is recommended that all businesses have general liability in place to protect their businesses from negligence, legal fees and damages for suits, cyberspace protection, product losses, and more.

Contact our expert team at Pavese-McCormick to learn about the recommended general liability coverage for your business. Other important coverages include:

• Professional Liability Insurance (Errors & Omissions)
• Employment Practices Liability Insurance (EPLI)
• Cyber Liability Coverage
• Directors and Officers Insurance (D&O)
• Product Recall Liability Insurance

Don’t jeopardize your company, due to the high rise in medical costs caused by a driver who works for your business. Commercial auto insurance offers various options for drivers with or without a company owned vehicle. Contact Pavese-McCormick about commercial auto insurance and discuss the different options you need for your business.

Commercial auto insurance covers a combination of vehicle types, drivers, and some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile; medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.

Additionally, discuss with Pavese-McCormick about the Hired / Non-owned auto liability coverages. This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Our experts at Pavese-McCormick can help you find complete solutions to your unique worker’s compensation insurance needs for your business, by finding solutions that create a safer and more productive workplace with more confident and secure workers. This will provide your business an overall savings you’ll see on the bottom line.

Workers’ compensation insurance coverage pays for medical care and physical rehabilitation of employees injured at work and will help to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker, in most cases. Ask our representatives about worker’s compensation coverage for office workers using their own vehicles on company business. This is critical to consider this coverage to protect your business!

Worker’s Compensation coverage can include:

• Scheduled Credits and other cost saving opportunities
• Dividend Programs
• Innovative payment systems
• Medical disability case managers
• Utilization management nurses
• Certified life care planning nurses
• Vocational rehabilitation consultants
• Physician consulting services
• Legal staff
• Contracts with medical network providers
• Managed prescription drug program
• Pay as You Go Workers Comp
• Integrate premiums over your pay cycle, dramatically improving cash flow.

Don’t let an unforeseen event destroy your business, that you’ve worked so hard to build. When a catastrophic liability loss occurs, a commercial umbrella insurance policy can mean the difference between a business surviving, or not.

The rising costs of lawsuits and judgments are important for all business owners to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. Contact Pavese-McCormick Agency today to discuss the many options you have to protect your business with commercial umbrella insurance and excess liability coverage.

A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.

Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Whether you are a home-based business, small service provider or contractor, Pavese-McCormick will work with you to find the right combination of business insurance coverage to meet your specific needs. Contact us today!

Pavese-McCormick partners with only the best sureties to give you outstanding products supported by value-added services for contractors and businesses. Whether you’re a contractor looking for a complex bid bond or a business owner in need of a simple license and permit bond, Pavese-McCormick has the expertise to assist you in what you’re looking for.

At Pavese-McCormick, we know that you can’t conduct business or win the job without the backing of a solid surety bond. That’s why we only work with the most reputable and trustworthy surety providers for various types of bonds, such as:

• Commercial Bonds
• License and Permit Bonds – Contractor License; Highway and Street Permit; Agent/Adjuster/Broker License; Fuel Dealer; Professional License; Automobile Dealer; and Alcoholic Beverage Compliance Bonds
• Probate Bonds – Administrator; Executor; Guardian; and Trustee Bonds
• Receiver or Trustee Bond in Bankruptcy
• Public Official – Notary Public; Sheriff; Deputy Sheriff; Constable; Jailer; County/City/School Treasurer Bonds; Court Clerk; Loan Closing Attorney; and FHA Schedule Bonds
• Court Bonds – Plaintiff Replevin; Plaintiff Attachment; and Cost Bonds
• Miscellaneous Bonds
• Contract Bonds
• Bid Bonds
• Performance & Payment Bonds
• Supply bonds
• Fidelity Bonds
• ERISA (Pension Plans),
• Business Services Bonds (e.g. janitorial, home health care or security)
• Financial Institution Bonds
• Commercial Banks and Savings Institutions, etc.

A flood can be very damaging to your business and very costly when the cleanup begins. Protect your building, products, electronic devices, and computer hardware systems.

Standard homeowner’s insurance does not cover flooding in the Tri-State Area, so it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact your business.

Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy. Call and talk to our expert representatives at Pavese-McCormick regarding the two most common reimbursement methods for flood claim (Replacement Cost Value and Actual Cash Value) to protect your business.

Building coverage includes:

• The insured building and its foundation
• The electrical and plumbing system
• Central air conditioning equipment, furnaces, and water heaters
• Refrigerators, cooking stoves, and built-in appliances such as dishwashers
• Permanently installed carpeting over unfinished flooring

Contents coverage includes:

• Clothing, furniture, and electronic equipment
• Curtains
• Portable and window air conditioners
• Portable microwaves and dishwashers
• Carpeting that is not already included in property coverage
• Clothing washers and dryers

Earthquake’s can happen anywhere in the United States. Even if your business is not located in an area where earthquakes are common, you may want to purchase a separate earthquake policy to protect your business at a reasonable cost.

Most insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy. You may be able to purchase earthquake insurance from the same company that provides your home insurance, or from a specialized earthquake insurance provider, or from an independent organization. Contact Pavese-McCormick to discuss the cost and options you have for the geographical area of your business.

Consider these facts:

• In the West: According to the U.S. Geological Survey, there is a 70 percent probability that one or more damaging earthquakes of magnitude 6.7 or larger will strike the San Francisco Bay area during the next 30 years.
• In the East: The Earthquake Education Center at Charleston Southern University claims there’s a 40 to 60 percent chance of a major earthquake somewhere in the eastern United States in the next 20 years.
• In the Midwest: According to the Insurance Information Institute, there’s a 40 to 63 percent chance the New Madrid Fault (which runs through Arkansas, Kentucky, Missouri and Tennessee) region will suffer an earthquake with a 6.0 magnitude in the next 15 years.

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Pavese-McCormick can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. Contact Pavese-McCormick today to discuss homeowner’s insurance that fits your needs.

With today’s busy lifestyles, our professional team here at Pavese-McCormick are experts in finding the right insurance coverage for what’s near and dear to you. We can simplify the process to protect your home, vehicles, valuable jewelry, collections (fine art or wine), off-road toys, and more! Let us partner with one of our many carriers to help design a personalized program of protection that is customized for your family’s needs and your personal goals.

Our commitment is to serving you with our knowledge and expert guidance that you can trust, offering comprehensive policy solutions, with prompt and reliable service, at an affordable price, and at the best value. Contact Pavese-McCormick today and talk with one of our helpful team members about your insurance needs.

As an independent agency, Pavese-McCormick’s team works with many insurance companies in order to assist you in comparing protection and quotes, to find the coverage and value that’s right for you. This means that we handle the hard-to-have conversations and negotiations to get you the best price for what you need.

We’re your local agents, so we know how to get you the right insurance for your vehicle. Whether your insurance needs are for hitting the winter trails, taking a summer drive, or just the everyday commute, our team can help you find the right insurance to keep you covered.

Pavese-McCormick knows that in New Jersey, there are as many unique insurance needs as we have neighbors! Contact us today to talk with one of our helpful team members about your insurance needs.

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Auto insurance requirements vary by state. Work with our team at Pavese-McCormick to determine the best coverage for you!

It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.

Not all classic or antique cars are used the same, so Pavese-McCormick will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. Contact us to discuss features for your pride and joy, such as Agreed Value, Low Rates, Coverage Options, Generous Mileage, and Roadside Assistance.

Pavese-McCormick can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.

Just give us a call today to discuss some items you’ll need to consider when shopping for boat insurance; such as Navigational Area, Agreed Value Coverage, Liability, Medical Payments, Physical Damage Coverage, Uninsured/Underinsured Watercraft Bodily Injury, Fuel Spill Liability and Wreckage Removal, Personal Effects, Unattached Equipment Coverage, and Emergency Assistance. Pavese-McCormick can help you determine the right amount of coverage to meet your specific needs, determined by where you dock and boat.

Having Insurance for your ATV, Dirt Bike, Dune Buggy, Golf Cart, Snowmobile, and other motorsport vehicles are just as important as having auto insurance. Get coverage, go outside, and have fun! Whether you’re hitting the trail, or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected. Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property. What’s more, many national, state, or other public parks require specialty vehicle riders to be properly insured.

Pavese-McCormick can help you get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you focus on having fun.

Ride safe and insure your motorcycle, before you hit the road. Whether you are taking a long ride across country, short ride to a vacation spot or traveling back and forth to work, contact us for a great insurance price. Pavese-McCormick can help you get the right coverage you need for your motorcycle.

Enjoy family time on the road or in campground in your RV, without worry! RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or an extended vacation driving around across the United States.

Pavese-McCormick will work with you to select the appropriate policy to accommodate the right RV coverage needs to make sure you have the best policy. Contact us to discuss features for your home on wheels, such as Stated Value, Agreed Value, Replacement Costs, Vacation Liability, Personal Effect Coverage, and Roadside Assistance.

Whether a homeowner or renter, your personal things are very important to you – your clothes, furniture, and electronic devices. Don’t risk losing what you’ve work so hard for, due to a water leak or fire, etc. Contact Pavese-McCormick to you find coverage options that protect you, your family, and your personal property. Renter’s policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from your rental property. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

The Renter’s insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result, subject to the limits you select. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let Pavese-McCormick help you find the right amount of coverage to suit your insurance needs.

Condominium insurance is different and unique from homeowners or renter’s insurance. A Condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement. Pavese-McCormick can help you find the right amount of coverage to suit your insurance needs and discuss additional protection, such as, optional loss assessment coverage that is available to protect you against certain assessments that may be levied by the association. This coverage would compensate you for additional living expenses incurred, should you need to vacate your condo after a covered loss.

Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for, i.e., if common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.

Contact Pavese-McCormick regarding your condo insurance to discuss the various elections of coverage for your needs, such as Full Value Personal Property, Coverage for Upgrades made by yourself, Various Limits of Loss Assessment, Liability for you and your guests (including medical expenses incurred), and the Valuable Articles option.

A rental property is a great investment, especially if you protect your assets with excellent coverage. As a landlord, you want choices when purchasing insurance coverages that are tailored specifically to protect you and your rental properties.

Contact Pavese-McCormick to discuss the various landlord insurance protection options, such as Landlord Protection liability, and supplemental coverage with personal umbrella liability insurance. Our team will tailor an insurance plan that meets your needs and a reasonable cost.

Standard homeowner’s insurance does not cover flooding in the Tri-State Area, so it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact your home.

Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy. Call and talk to our expert representatives at Pavese-McCormick regarding the two most common reimbursement methods for flood claim (Replacement Cost Value and Actual Cash Value).

Building coverage includes:

• The insured building and its foundation
• The electrical and plumbing system
• Central air conditioning equipment, furnaces, and water heaters
• Refrigerators, cooking stoves, and built-in appliances such as dishwashers
• Permanently installed carpeting over unfinished flooring

Contents coverage includes:

• Clothing, furniture, and electronic equipment
• Curtains
• Portable and window air conditioners
• Portable microwaves and dishwashers
• Carpeting that is not already included in property coverage
• Clothing washers and dryers

Earthquake’s can happen anywhere in the United States. Even if you don’t live in an area where earthquakes are common, you may want to purchase a separate earthquake policy to protect you and your family at a reasonable cost.

Most homeowner, condo and rental insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy. You may be able to purchase earthquake insurance from the same company that provides your home insurance, or from a specialized earthquake insurance provider, or from an independent organization. Contact Pavese-McCormick to discuss the cost and options you have in your geographical area.

Questions to consider for taking the extra level of protection, provided by Personal Umbrella Liability insurance;

• Imagine what would happen if your dog was to bite a neighbor’s child?
• What if there was an accident on your rental property?
• What would happen if a fire in your condo spread to other units?
• What would happen if you or other members of your household had a catastrophic auto accident?

A personal umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to your peace of mind in protecting your assets, or your future earnings. Talk with Pavese-McCormick to determine the right amount of broad coverages for your household needs.

Life is always changing and so should your options for protecting yourself and your loved ones with the right life insurance coverages! Life insurance should be uniquely tailored to meet and continuously meet your personal and financial needs. Having the right life insurance is essential to planning for your present, and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

Pavese-McCormick understands the life insurance needs for their customers, so call them today and learn about the different types of insurance products that are available, such as, Term Life Insurance, Whole Life Insurance, and Universal Life Insurance.