New Jersey
Your New York Broker Is Licensed in New Jersey Too
We work with clients across New Jersey the same way we work with clients in New York — personally, thoroughly, and in English or Spanish. As an independent insurance agency serving New Jersey, we shop your coverage across multiple
carriers
to find the right fit for your life or your business, without the runaround.
NJ Isn't Just Another State to Us — It's Where a Lot of Our Clients Live
The Mendoza Agency has been serving clients in New Jersey since long before it became a checkbox on a license. Many of the families and business owners we work with live in New Jersey and work in New York, or split their lives between both states. We understand that dynamic because we live it with our clients every day. Our Bronx-based team is licensed in New Jersey and brings the same carrier access, the same hands-on service, and the same bilingual support to every NJ client we serve.
New Jersey Auto Insurance Has Its Own Rules — We Know Them
New Jersey
auto insurance isn't structured the same way as New York's, and those differences matter when you're choosing coverage. NJ drivers make elections that NY drivers don't — including whether to choose the verbal threshold or lawsuit threshold, how to set your Personal Injury Protection limits, and how comparative negligence standards affect your exposure in a claim. These aren't details to gloss over. We walk every New Jersey auto insurance client through these elections clearly, so your policy reflects a decision you actually made — not a default you didn't know you agreed to.
Personal and Commercial Coverage Available Across New Jersey
Whether you're a family in Bergen County, a contractor working job sites in Hudson or Essex, or a landlord with units in Jersey City, we have coverage options built for your situation. As an independent broker, we work with multiple carriers to find competitive rates and terms — not just whatever a single company offers.
Our New Jersey clients have access to the full range of personal and commercial lines we offer:
- Auto insurance with NJ-specific threshold and PIP guidance
- Homeowners, renters, and landlord insurance
- Life insurance for individuals and families
- General liability and commercial auto for contractors and tradespeople
- Business Owners Policies for small businesses and LLCs
- Workers compensation and commercial property coverage
- Professional liability for service-based businesses
Remote Service, Real Relationships — No NJ Office Required
We serve New Jersey clients entirely by phone, email, and video — which means geography has never been a barrier to getting the same quality of service our Bronx clients receive in person. You'll work with a real agent on our team, not a call center. You'll get answers when you need them. And if you ever want to come into our Bronx office, we're easy to reach from most of northern New Jersey. Our license in New Jersey is active, our carrier relationships are strong, and our commitment to relationship-first service doesn't change at the state line.
Common Questions About Our New Jersey Insurance Services
Is the Mendoza Agency actually licensed to sell insurance in New Jersey?
Yes. We hold an active insurance license in New Jersey and have been serving NJ clients for years. Our Bronx location serves as our primary office, and we work with New Jersey clients remotely through phone, email, and video consultations.
Can I get commercial insurance for my New Jersey business through your agency?
Yes. We offer a full range of commercial insurance for New Jersey small businesses, including general liability, commercial auto, workers compensation, business owners policies, commercial property, and professional liability. We work with contractors, LLCs, tradespeople, and service businesses throughout the state.
Do your agents understand the difference between New Jersey and New York auto insurance?
They do. New Jersey uses a different auto insurance framework than New York, including the verbal threshold and lawsuit threshold election, PIP coverage options, and comparative negligence rules. Our agents walk NJ clients through these choices so your coverage reflects what's right for your situation — not just the default option.
Do you offer bilingual insurance service in New Jersey?
Yes. Our entire team is bilingual in English and Spanish, and we serve Spanish-speaking clients across New Jersey with the same care and thoroughness as all of our clients. You're welcome to work with us in whichever language you're most comfortable in.
Licensed in New Jersey. Ready to Help You Today.
We've spent 18+ years building the kind of agency where clients refer their family, their neighbors, and their business partners — because they know they'll be taken care of. If you're in New Jersey and looking for an independent insurance broker who already knows your market, we're ready to get started.
Mendoza Agency | đź“Ť
Bronx, NY (serving New Jersey statewide) | Licensed in NJ and 9 additional states