Location: 7 S. Warren Street, Dover, New Jersey

Ocean and Beach

Coastal Property Insurance for New Jersey

Commercial Buildings (not residential)

Finally a great market for coastal properties in New Jersey!

General Security National Insurance Company, standard insurance carrier, AM Best Financial A+ XV rated.  This carrier is NOT a surplus lines company.  What is a surplus lines company?

Business owner or package policies can be written with a flat wind deductible or percentage wind deductible.


  • Frame or joisted masonry construction must have a building of equal size between the insured property and the ocean
  • Non-combustible, Masonry non-combustible and Fire resistive can be on the water
  • Up to 4 stories in height
  • Shingle roofs must be newer than 16 years
  • Flat roofing must be new than 21 years
  • Previous losses (claims) will be considered.
  • Hotels are acceptable
  • Dwellings must have 5 or more units
  • Buildings on a historical register are not acceptable

Interested?  Please call Jim Franchino, 973-377-6100