Business Insurance Solutions

FMJ offers robust commercial insurance solutions to empower insurance agents with customizable coverage options. Our services help you meet the specific needs of your clients, ensuring their business is well-protected.
By partnering with FMJ, you gain access to effective and reliable insurance solutions, providing peace of mind and security for businesses of all sizes.

For those who want to focus on writing commercial insurance or adding these services to their portfolio, we offer support as well as a list of highly-rated P&C carriers that you can access.

We have designed a customized education path for our agents who would like to actively write commercial insurance, and a system for our agents who simply want to refer commercial insurance to our support staff. Both options allow agents to share commissions on binding new business and renewals.

Types of business FMJ agents write every day:

  • Artisan Contractors (commercial auto, general liability, workers comp, inland marine)
  • Retail Businesses (Hair salons, pizzerias, dry cleaners, etc.)
  • Professional offices
  • Restaurants
  • Garages and auto body repair shops
  • Habitational – Condo complexes, apartments, mixed-use (retail and habitational combined)
  • Medical Specialty Offices & Services
    Lessor’s Risk (buildings owned and rented out)

FMJ Agency Alliance has access to the majority of top-rated national and regional commercial insurance carriers, meaning you can write plans for virtually any business you approach.

Our Carriers

  • Property And Casualty

  • Risk Management

Property and Casualty

At FMJ, we make submitting and writing plans easy and efficient. Our property and casualty services offer smooth integration between your agency and our carriers.

Highlights:

  • We provide special programs and mentorship for niche markets and challenging business categories.
  • We secure specialty endorsements with specific industry associations.
  • Programs are tailored to specific state and geographical needs.
  • Access to our extensive carrier network for strategic marketing across social media and email channels with a range of well-designed, pre-approved marketing materials.

Insurance Placement Services:

  • Our in-house brokerage helps agents place larger, complex commercial accounts.
  • We specialize in multi-state placement

Risk Management

As an insurance agent, your job is to ensure your client’s assets are well-protected. Our expertise helps you navigate the unique risks your clients face. We provide you with the tools and knowledge to offer outsourced risk management solutions tailored to your client’s needs. Partner with us to deliver your clients comprehensive protection and peace of mind, ensuring their business’s safety and success.

Safety Consulting

As an agent, you can offer your clients comprehensive workplace safety solutions. Help them establish a lasting safety culture or enhance their bottom line by prioritizing safety. Our expertise includes effective strategies for OSHA compliance, accident prevention, contractor qualification, and workplace safety training. Equip your clients with the knowledge and tools to maintain a safe and compliant work environment, ultimately reducing risks and improving operational efficiency.

Services Include:

  • Audit of current occupational safety programs, including OSHA record keeping requirement
  • Hazard assessment
  • Development and implementation of complete, customized safety programs
  • Incident investigations and training
  • Facility/site inspections and audit
  • Ergonomic assessments and evaluations
  • Mock OSHA inspections
  • And much more!

PARTNER REVIEWS

Real Agents

At FMJ, we honor our agents, recognizing their dedication, expertise, and unwavering commitment to success.

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“Whenever I encounter difficulties quoting a client or navigating through different carriers, FMJ is always there to help. They have been particularly helpful when dealing with commercial auto policies or clients with multiple losses.”

Gene Ret

Legacy Insurance Agency of NJ, LLC
“FMJ’s instrumental role in expanding my business, especially in the commercial sector, is evident. The outstanding FMJ team has consistently demonstrated exceptional support, accessibility, and extensive knowledge.”

Paul Leshinsky

PDL Insurance Agency
“My experience with FMJ has been overwhelmingly positive. Initially, I had access to a variety of carriers for auto, home, business, and umbrella insurance.”

Michael McGuinness

Mission Insurance Group
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Become an FMJ Partner

Become an FMJ Partner