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At True & Associates, meeting your insurance needs is our primary focus. We strive to provide our clients with cost-effective risk management solutions to minimize exposure to financial loss. We achieve this by handling and continually advising our clients through the insurance process.

Our fifty employees are dedicated to bringing our clients the industry’s best services and competitive products through our unprecedented product knowledge and differentiated industry expertise.

— Thomas True, CEO


  • “I have known Tom True and Bill Dougherty for many years.  Their firm is well versed in the expertise of bonding and insurance for the construction industry.  Their input and advice on insurance and bonding matters to UTCA has been excellent and greatly appreciated.  The firm has been a long-time supporter of UTCA and the industry and is greatly appreciated by the industry.”

    Robert Briant, Jr., CEO

    Utility and Transportation Contractors Association of New Jersey (UTCA)

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Video By William Dougherty: Learn How to Avoid the 10 Critical Business Insurance Mistakes

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Common Claims Questions

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Emergency Claims Contact Information

Federal Emergency Management Agency (FEMA) Website

Flood Policy Holders

Selective: 877-348-0552

Harleysville: 800-759-8656

Travelers: 800-356-6670

National Flood: 866-947-9489

Personal Lines

Encompass: 800-588-7400

Travelers: 800-252-4633

Selective/Personal & Commercial:

Franklin Mutual Insurance:

Ace Private Client Group:

Jimcor: 201-573-8200

NJ Skylands: 866-279-7688

Met Life: 800-854-6011

Plymouth Rock Assurance:

Commercial Lines

CNA: 877-262-2727

Harleysville: 800-892-8877

Hartford: 800-243-5860

Selective: 866-455-9969

Travelers: 1-800-238-6225