Commercial Insurance


Solutions that are specifically tailored to your practice’s risk exposure, geographic area, and line of business

Healthcare Insurance provider in NJ and NY

Competitive Advantage

There’s no smarter business insurance partner than True & Associates.

There’s no smarter business insurance partner than True & Associates. Our underwriters and industry specialists work closely with your business to provide property and casualty insurance coverage that help you manage your business’s risk exposures, defend against liabilities and protect your long-term interests.

With reliable protection and outstanding risk control and claim services, along with dedicated customer service from our agency, you have the freedom to focus on managing your business.

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Risk Control Services Focused On Preventing Loss

We recognize that the least disruptive loss is the one that never occurs. True and Associates is dedicated to helping your practice manage financial costs of preventing losses from occurring. Our Risk Control consultants have a long and successful history of helping businesses protect workers, safeguard assets and improve productivity. We offer a comprehensive package of risk control services that can help your business avoid costly work stoppages.

Effective And Supportive Claim Handling Service

We provide a consistent, seamless approach to claim handling, beginning with initial claim reporting and ending with the final resolution of a claim. Our claims experts understand coverage and will see to it that your claims are handled promptly. Insurance carriers promise claim protection, if your independent broker partner that secures claims are paid

Cost Management Programs That Can Save You Money

True and Associates has many cost and case management programs designed to help manage and mitigate the overall cost of loss, including: medically-approved return-to-work programs that consistently return injured workers back to work quickly and safely; legal services that concentrate on controlling expenses and providing fair outcomes; medical peer review for a number of specialties; and state-of-the-art online budget, billing and communications systems — just to name a few.


True and Associates’ broad portfolio of products goes beyond the standard business coverage. We offer the key coverage you need to protect your Outpatient Healthcare Practice. These and other cost management programs help you save substantial claim dollars and help improve productivity.


Business Income

reimburses medical practices for actual loss of earnings up to 12 months for covered loss and extra expense coverage needed to continue business operations during period of restoration.


Medical Equipment Breakdown

protects against losses related to medical equipment caused by a covered mechanical or artificially generated electric current.


Accounts Receivables

responds to losses caused by the inability to collect outstanding balances as a result of lost or damaged records.


Computer and Media Coverage

protects investment in computer technology with reimbursement for physical damage to computer hardware and software including electronic patient records. Built-in coverage for virus damage to equipment, software and data.


Spoilage-Perishable Medicines and Medical Supply

blanket limit available.


Legal Expenses for Disposal Waste

reimbursement for legal expenses, within program limit, resulting from violations arising from disposal of medical waste.


Workers Compensation Needle Stick Injury Claims Handling

in addition to paying for injured workers initial testing available program offers source patient testing and reimbursement.


Automobile Extension Endorsement

provides Employees as Insureds, non-owned coverage, lease gap coverage and loan coverage.


Employee Practices

coverage, including legal defense costs, for claims raised in certain employment related lawsuits brought by employees or job applicants.


Theft / Employee Dishonesty

provides coverage for employee dishonesty

Interested in getting all of your insurance needs from one trusted supplier?

Contact us today to receive a free customized quote.