EJA/Capacity Insurance Agency LLC

Insurance Services

• Homeowners Insurance

  Your house represents the hard work you’ve put into making a home for you and your family. You want to make sure you have the right protection under your roof should the unexpected – and unthinkable – happen. This could be damage from a fire or natural disaster, or an accident on your property involving one of your guests. At EJA/Capacity Insurance Agency, our staff is here to ensure you are properly protected in the event of property damage, injury to others, theft and other perils with a customized, affordable Homeowners insurance policy.

• Comprehensive Auto Insurance

  If you’re like most Americans, you may be spending countless hours in the car commuting to and from work, car pooling the kids to school and games, and taking the annual family road trip – all of this requires having quality Auto insurance protection you can rely on. At EJA/Capacity Insurance Agency, we’ll provide you with comprehensive budget-friendly Auto insurance options. We work with many insurance companies to find the right policy for your needs. Whether you own one car or have multiple vehicles, we have the liability and property coverages needed to protect you, your family and your automobiles.

• Personal Umbrella Insurance

  Although you have purchased Homeowners and/or Auto insurance policies, when it comes to having greater liability protection we suggest adding a Personal Umbrella policy to the mix. Your primary insurance policies will respond for a covered liability loss up to the policy limits, but in today’s litigious climate, that may not be enough should a serious accident or injury occur and you’re found responsible. A Personal Umbrella policy increases your liability coverage substantially.

• Liability & Property Insurance

  Depending on your specific operations, you may be able to simplify your insurance-purchasing needs with a package policy. At EJA/Capacity Insurance Agency, we will assess your operations and exposures to determine whether a Business Owners Policy (BOP) or Commercial Package Policy (CPP) is a good fit for you.Inside the Business Owners PolicyA BOP works for many small and midsize businesses, bundling the most needed coverages into one overarching policy. In a typical BOP, you will find Commercial Property insurance, Commercial General Liability insurance and some level of Business Interruption insurance and many property extensions. Of course, there are other Property and Liability policies that can enhance your protection, but a BOP protects companies from common causes of loss, such as fire, windstorm, vandalism and theft. If you want to insure for flood or earthquake, we can find you coverage outside your BOP.

• Commercial Umbrella Insurance

  EJA/Capacity Insurance Agency offers Commercial Umbrella/Excess insurance to businesses, providing coverage beyond the traditional policy limits of your underlying Liability policies for an extra cushion of protection in the event of a serious or catastrophic accident or loss. We recommend that all businesses purchase a Commercial Umbrella policy, even when strict safety practices and written policies are in place, to prevent and mitigate risks. You still run the risk of facing unforeseen exposures that can negatively impact your bottom line.

• Workers’ Compensation Insurance

  Workers’ Compensation coverage is designed to respond when an employee is injured or becomes ill due to a work-related incident. It will pay the employee’s medical bills, recovery costs, and partial missed wages. If an employee dies, Workers’ Compensation can cover funeral costs and benefits to his or her family.Most states like New Jersey and Pennsylvania require employers to buy Workers’ Compensation insurance as soon as they hire their first employee. Even where that may not be the case, it’s prudent to have this policy, as the cost of workplace injuries is often substantial.