FAQ's

Call us today at 908-757-5500 for a quick free quote or more information.

Q. Why should I buy insurance?

A. It can take years and a great deal of hard work and money to acquire your family's personal possessions. Where would the money come from to replace your property if it were destroyed? What would you do if a court ordered you to pay thousands of dollars because of damage to someone else's property or injury caused by you. Insurance protects you against financial loss when these kinds of personal disasters happen. And they happen to people just like you every day.

Q. How does insurance work?

A. For an agreed amount (the premium you pay) the insurance company takes on your risk of suffering financial loss. When losses do occur, they are paid out of the total pool of insurance premiums the insurance company has collected from its thousands of customers. In short, the premiums of the many pay the losses of the few.

Q. How do I know what insurance to buy?

A. You should insure any valuable property that can be damaged, lost or stolen. You also need to protect yourself against the costs of property damage or injury you may accidentally cause to someone else.

Q. How much will my insurance cost?

A. The cost of insurance will vary from company to company, based on their estimates of the number of claims expected and the cost to operate the business. When comparing quotes and coverages, always remember that what you are buying is not the piece of paper that you receive, but the service that you get at the time of a claim. Good service may cost a bit more, but it is well worth it when your claim is settled promptly to your satisfaction.

Q. What do I do when I have a claim?

A. Contact your broker or company as soon as possible to advise that you have had a loss. See "Claim Process".

Q. How can I save money on my insurance?

A. Increase your deductible. By doing this, you agree to pay a little more of the loss when you have a claim, but your maximum limit of coverage does not change. In exchange for accepting more of the risk on small claims, your premiums are reduced.

Install burglary alarm systems. By taking these precautions to protect your property from loss we offer discounts on your premium.

Please Note: The information contained in this website is provided solely as a source of general information and resource. It is a not a statement of contract and coverage may not apply in all areas or circumstances. For a complete description of coverages, always read the insurance policy, including all endorsements.


Copyright © 2010 Frank P. Licato Insurance Agency All rights reserved | 2325 Plainfield Avenue | South Plainfield, NJ 07080
Phone: 908-757-5500 Fax: 908-757-4215 | An MJMI Site.
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Frank P. Licato Insurance Agency in South Plainfield, NJ -- Licato Insurance Agency is a leading insurance brokerage firm in New Jersey, based in South Plainfield NJ, near Newark NJ and New York City, serving NJ, NY, CT, PA and the entire USA. We at Licato Insurance help clients manage their risks in property and casualty, employee benefits, professional liability, and other areas of specialized exposure. In addition, Frank P. Licato Insurance Agency offers a full range of personal and corporate financial products and services. We understand our clients’ businesses, employees and risks, as well as the insurance and financial markets, so we can find them the carriers and coverages that best fit their needs.
Among NJ Insurance Companies: Here Before You Need Us
Frank P. Licato founded the Insurance Agency on November 2, 1957 in Maplewood, NJ. The agency was a part-time venture until 1960 when it merged with the Ham Agency in Summit, NJ. This relationship was severed July 31, 1962. On August 13, 1962, the agency moved to Holmdel, NJ and moved in 1963 to South Plainfield, NJ. In 1980, Frank's son Jeff Licato joined the agency. Over the next several years, other insurance agencies had merged into the Frank P. Licato Agency.

The main focus of the Frank P. Licato Insurance Agency is SERVICE...quality service!! We believe that service must be instantaneous. If it's not available when needed, it's of no value. If not performed well, it cannot be returned. Therefore, when a customer or potential customer comes in or calls on the phone, they will be helped by ALL employees of the Agency unless they ask for a specific person. Phone calls will be answered courteously at all times and handled personally by an employee who is not with a client. We know our customers have a choice and that they will decide whether the Licato Agency is superior or not. The biggest difference between the Licato Agency and the competition is the superior level of service we've been providing for over 50 years.

Frank P. Licato Insurance Agency is a full lines insurance agency offering personal lines, commercial lines, auto, life, health, and financial services. We are small business and personal insurance specialists working with contractors, building owners, general liability, business owner packages, group health and NJ worker's compensation.

Surrounding Areas:

NJ's Licato Insurance Agency serves all of New Jersey, New York, Pennsylvania and beyond. Our nearby communities include: Bound Brook, Dunellen, Scotch Plains, Fanwood, Berkeley Heights, Warren NJ, Watchung, Route 22, Middlesex, Clinton, Green Brook, Mountainside, Summit, Plainfield, North Plainfield, Piscataway, Bridgewater, Somerville, Newark, Morristown, New Brunswick, Route 287, Route 78, Edison.

Licato Insurance Agency is a leading insurance brokerage firm in New Jersey, based in South Plainfield NJ, near Newark NJ and New York City, serving NJ, NY, CT, PA and the entire USA. We at Licato Insurance help clients manage their risks in property and casualty, employee benefits, professional liability, and other areas of specialized exposure. In addition, Frank P. Licato Insurance Agency offers a full range of personal and corporate financial products and services. We understand our clients’ businesses, employees and risks, as well as the insurance and financial markets, so we can find them the carriers and coverages that best fit their needs.