Insurance Solutions With a Community Approach

Fiorentino Anillo Insurance and Financial LLC supports small businesses and our community with trusted insurance solutions.

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As an independent agency, we are here to help you find the right coverage.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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Fiorentino Anillo Insurance and Financial LLC

Learn more about our agency.

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At Fiorentino Anillo Insurance and Financial LLC we want to build our community up by supporting the small businesses and people that help make it great. We work to get to know you, your business, and your needs so that way we can find the right protection at the right price.

We believe in the importance of building relationships with our clients, and we know how important face-to-face interactions are in doing that. We value those opportunities to get to know you because want to form a long-lasting relationship with you. From the older generations to the newer generation, we’re here to support you and your needs, bringing you peace of mind and security. We invite you to learn more about our agency.

The Solution To Your Insurance Needs

Providing a variety of business insurance and personal insurance solutions is what Fiorentino Anillo Insurance and Financial LLC does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

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We use the resources from Big I NJ to find you the best coverage for your needs.

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We strive to uphold Trusted Choice’s long-standing commitment to service.

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Coverage for Small Businesses

  • Business Owners Insurance
  • General Liability Insurance
  • Commercial Property Insurance
  • Workers’ Compensation Insurance
Discover Solutions
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Trucking

Commercial Trucking Insurance

Risk Factor

The type of trucking insurance you need can vary based on a number of factors. Private carriers who are hauling goods in their own truck or for an employer will need insurance designed for private trucking. Owner-operators will have different needs depending on whether they are operating under their own authority or under permanent lease to a motor carrier.

Solution

Having the right insurance for the situation is essential. For example, an owner-operator under permanent lease to a motor carrier may have their primary liability insurance provided by the motor carrier. However, there are other coverages they’ll want to consider. Additionally, the type of truck, driver experience, and goods hauled can all affect coverage needs as well.

Garagekeepers and On-Hook

Risk Factor

Tow trucks carry a unique risk involving the property of someone else. The tow truck could be involved in an accident and the vehicle it is towing could become damaged. Also, it’s not unusual for a towed vehicle to be stored overnight at the garage of the towing company. In either scenario, special insurance is needed to cover the towed vehicle.

Solution

On-hook insurance provides protection in the case of damages to a vehicle while it is being towed. Garagekeepers insurance would cover losses sustained when a vehicle is being temporarily stored at the towing company’s location.

Bobtail Insurance

Risk Factor

Sometimes a truck is driven without a trailer attached. This could include when the driver is on their way to pick up a load, has just dropped off a load, or is in between loads. When a truck is driven this way under someone else’s trucking authority, a coverage gap can exist if the truck is involved in an accident and found liable for bodily injury or damage to property.

Solution

Bobtail insurance is a liability policy that provides coverage for legal fees, damages awarded, and medical expenses for times when a truck is driven under someone else’s trucking authority and there is no trailer attached.

Non-trucking liability

Risk Factor

Trucks that are under permanent lease to a motor carrier are typically covered under their liability coverage, which offers protection when the truck is used for business purposes. But what happens if the truck is involved in an accident and is liable for damages caused while being driven for non-business purposes?

Solution

Non-trucking liability insurance offers protection when a truck is driven for personal reasons, for example while running personal errands on a day off. It covers medical expenses, property damage, and legal fees related to the driver.

Trailer Interchange

Risk Factor

There are times a trailer needs to be handed off from one trucker to another to finish the shipment. The contract that arranges this transfer is known as a trailer interchange agreement. The parties to this agreement would need trailer interchange insurance.

Solution

If a trailer is damaged, the trucker currently in possession of it would be responsible for them. Trailer interchange insurance offers protection for these damages for the period of time the policyholder is in possession of the trailer.

Rental Reimbursement With Downtime

Risk Factor

A truck that’s been damaged in an accident will need to be taken off the road for repairs. When the truck can’t be used, the business will lose money.

Solution

Rental reimbursement with downtime may cover the cost of truck payments and other bills while the truck is inoperable due to a covered loss. It may also provide reimbursement for a temporary replacement truck.

Motor Truck General Liability

Risk Factor

Owner-operators under their own authority and motor carriers can find themselves responsible for their mistakes. A customer injury, a delivery mistake or damage to goods, or damage to property caused by their truck or the actions of a driver can all be very costly.

Solution

Motor truck general liability insurance provides coverage for bodily injury and property damage, medical payments, personal or advertising injury, and other damages caused by the company’s own negligence.

Motor Truck Cargo Insurance

Risk Factor

For-hire truckers are often hauling something for someone. For the time that the freight or goods are in the possession of the trucker, the trucker is responsible for any damage to the goods. Whether the goods are damaged in a collision, are spilled off the truck, or damaged during loading and unloading, the expenses associated with this damage can add up fast.

Solution

Motor truck cargo insurance, sometimes simply referred to as cargo insurance, may cover the cost of the damaged cargo, removal expenses if the cargo is spilled, lost cargo, legal fees, and freight charges if the cargo is not delivered.

Physical Damage

Risk Factor

If a truck is damaged in an accident and another driver is not held liable for these damages, the truck’s owner would be responsible for the repairs. The truck’s owner would also be responsible for damages caused in other ways, such as if something falls on it, it is vandalized, it catches fire, or it is stolen.

Solution

Physical damage insurance covers the cost of repairs to your own vehicle if it’s damaged by you or it is damaged by some other factor that you cannot be held responsible for. For vehicles that are owned outright, this coverage may be optional. However, if the truck is being leased or financed, this coverage may be required by the bank.

Trucking Insurance 101

Make sure you cover the unique risks you face with trucking insurance.

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What Makes Fiorentino Anillo Insurance and Financial LLC Special

Here’s what sets us apart when it comes to serving your insurance needs.

Face-To-Face
Negotiation

2,000+ Small
Businesses Served

Bilingual in
English and Spanish

Community Focused

We want to build long-lasting relationships with our community.

Clients Come First

We go the extra mile to exceed your expectations, no matter what you need.

Experienced Agents

With extensive experience, we know what it takes to bring you quality coverage.

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  Contact Fiorentino Anillo Insurance and Financial LLC

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Union City, NJ

202 38th Street, Suite B
Union City, NJ 07087

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