Richard Rosenblum P&C Insurance Agency 

Divisions – Personal Lines

Richard Rosenblum P&C Insurance Agency Personal Asset Protection Division offers private client insurance counseling for individuals and families throughout New Jersey. 

The account executives assigned to handle your risks are dedicated to the design and management of competitively priced and comprehensive insurance programs specifically tailored to our client’s unique needs, while safeguarding their most important personal assets and mitigating financial loss.

In addition to the more traditional homeowners, auto and personal property insurance offerings, our Personal Lines Division is able to provide creative insurance solutions for many risk coverages.

Small Commercial Business

Our Small Commercial Business Division offers brokerage services for a variety of very competitive pricing and coverage options for small business owners.  The Richard Rosenblum P&C Insurance Agency 's Commercial Business Division partners with strong agencies throughout NJ offering "A" rated small business insurance carriers to provide affordable insurance for their business.

Richard Rosenblum Agency

LIFE / HEALTH /DISABILITY / LONG TERM CARE DIVISIONS

Life insurance is a contract between a insurance company (the insurer) and the applicant for insurance (the insured). The one similarity between all life insurance policies is that the contract is designed and intended  to     pay a set amount of money (death benefit) to a designated person (the beneficiary) in the event of death of the insured.

There are two basic types of life insurance under which all policies fall: cash value policies (permanent) and those with no cash value (term). We offer both term and permanent insurance from many of the strongest life carriers.

Long Term Care
What will your future look like?
Have you ever thought about where you'd be in 25 years? How about 30 years or 40 years? If not, take a minute and think about it now...

• Where will you live?
• Who will take care of you?
• Will you end up in a nursing home?

A nursing home! Does the thought of ending up in a nursing home scare you? The average cost of a nursing home is $45,000 per year...The average stay is about 3 years. Most people don't plan on spending $135,000 of their life savings on nursing home fees! Will you even have $135,000 to do so? If you're like most people, you probably haven't thought much about it.  So, what's the real solution to preparing for Long Term Care? Begin with a good Long Term Care Insurance plan which will help protect you and your loved ones from the real financial difficulties caused by needing Long Term Care.

Disability insurance provides income when you cannot work due to a disabling condition.  Having a long-term disability can be financially devastating.  Disability insurance can protect your income from the unexpected

Compensation In most instances, we are compensated for the insurance brokerage services we provide to policyholders through commission payments that are based on the premium charged and collected by the Carriers direct agents, Commissions are paid for by the Carriers or their agents for each insurance policy secured for our clients.  This commission is built into the premium set by the Carrier.  The percentage of these commissions varies by insurance policy type and insurance market.  These commission payments account for the largest percentage of our Insurance Agency revenue.