At Competitive Advantage Property & Casualty, we employ risk managers that access how your business is exposed and determine the necessary coverages that your business will need.
Once the appropriate insurance coverages have been determined, Competitive Advantage Property & Casualty uses that initial assessment to determine how to mitigate and monitor both policies and risks to your business. This ensures that your business is protected not only now, but in the future as well.
MAJA MEIGHAN
COMPETITIVE ADVANTAGE PROPERTY & CASUALTY
PRESIDENT OF PROPERTY
& CASUALTY
732-704-7633 x31
Maja drives business growth through innovative strategies and strong client relationships. She oversees the Property & Casualty department, managing annual renewals, claims, and insurance consulting to help businesses mitigate risk effectively.
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LARA BUCHNER
COMPETITIVE ADVANTAGE PROPERTY & CASUALTY
ACCOUNT MANAGER
732-704-7633 x26
DUSHYANT GOSWAMI
COMPETITIVE ADVANTAGE PROPERTY & CASUALTY
SENIOR PROPERTY & CASUALTY POLICY REPRESENTATIVE
732-704-7633
HIMANSHU JOSHWA
COMPETITIVE ADVANTAGE PROPERTY & CASUALTY
PROPERTY & CASUALTY
POLICY REPRESENTATIVE
732-704-7633
General Liability
Provides in a single contract insurance needed to cover liability for injuries or property damage sustained by members of the public. It covers accidents occurring on your premises or away from your premises as a result of business operations. It automatically covers certain hazards which do not now exist, but which may develop during the life of the policy.
Property
Commercial property policies can cover anything from a vacant building, to business income, personal property, accounts receivable and more. The extent of coverage ranges from basic to “all – risks” so you can customize your policy to fit your needs.
Umbrella Liability
Also known as excess liability this coverage will provide higher limits over your primary insurance coverage, so large or catastrophic claims will not be paid out of pocket in the event your primary coverage limits are exhausted.
Commerical Auto
This policy can provide a combination of liability protection and physical damage coverage for loss due to damage to vehicles owned, maintained, or used by you. Additional coverages such as medical payments and uninsured motorist protection can be purchased to "customize" the policy to fit your business.
Workers Compensation
This mandatory coverage provides wage replacement and medical benefits for employees injured on the job.
Inland Marine
Insurance for property in transit over land, certain types of moveable property and equipment, instrumentalities of transportation (such as bridges, roads, and piers), instrumentalities of communication (such as television and radio towers), and legal liability exposures of bailees.
Professional Liability
Professional liability or errors and omissions policies cover businesses and its employees against claims of inadequate work or actual or alleged mistakes that result in a financial loss for its clients. Whether it be medical malpractice, accountant errors, or media liability insurance – each policy is customized to cover the professional work performed by your company.
Directors & Officers
Directors and officers liability insurance protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company.
Employment Practices Liability
Essential for business with large number of employees EPLI covers actual or alleged harassment and discrimination based on race, age, sex to name a few – as well as wrongful termination and other perils regarding employment.
Cyber Liability
As cyber-attacks, malicious software and cyberextortion are on the rise cyber security liability has been one of the fastest growing insurance products over the last few years to protect companies against data breaches, computer fraud and so much more.
Liquor Liability
If your business sells or serves alcohol to an intoxicated person who then causes injury or damages, liquor liability insurance can pay for legal fees, settlements, and medical costs.
Personal Lines Insurance
Competitive Advantage Property & Casualty partners with Goosehead Insurance Agency, one of the largest platforms for homeowners, auto personal umbrellas, flood and so much more. With national writing capabilities and access to over 140 carriers through their platform, our partnership with Goosehead Insurance has been proven beneficial in securing our clients the most comprehensive and competitive personal lines coverages.
Preserve your company's future with proper
P&C PROTECTION
Your business may require additional coverage depending on your industry. Or, your current P&C package may not cover all the components of your business, or you may have too much coverage. Our specialists at Competitive Advantage Property and Casualty, LLC discuss with you the ins and outs of your business along with your current policy to ensure you are fully and appropriately covered.
