Saving money on your insurance coverage is just the start.
Optimize your personal and business insurance experience with dedicated independent insurance experts.
This Is Insurance The OIA Way.
Or, skip ahead and call us at 908-476-8685
Insurance is confusing, costly, and time-consuming.
We solve this.
We know how frustrating the insurance process can be—long hold times, unhelpful customer service, and automated responses that don’t understand your needs.
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That’s why we started Overmyer Insurance Agency. As your dedicated insurance advisor, we’re here for you every step of the way. Whether you need to file a claim, ask a question, or update your policy, you’ll always have a real person ready to help.
At the Overmyer Insurance Agency, we offer a comprehensive range of insurance solutions tailored to protect every aspect of your personal and business needs. Our personal insurance offerings include homeowners, auto, umbrella, and specialty coverage for valuables like jewelry, fine art, and classic cars.
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For businesses, we provide customized policies, including commercial property, liability, workers’ compensation, cyber liability and professional liability coverage.
Whether safeguarding your lifestyle or securing your business, our expert team is here to help you find the right protection.
Homeowners Insurance
Protect your home, belongings, and financial well-being with a comprehensive homeowners insurance policy. Whether you own a house, condo, or rental property, we provide tailored coverage to safeguard against unexpected events like fire, theft, storms, and liability claims.
Umbrella Insurance
Safeguard your assets with extra liability coverage beyond your home and auto policies. Umbrella insurance provides added protection against major claims, lawsuits, and unexpected expenses.
Flood Insurance
Protect your home and belongings from costly water damage not covered by standard homeowners insurance. Flood insurance ensures financial security against rising waters, storms, and unexpected flooding events.
Auto Insurance
Drive with confidence knowing you’re protected with the right auto insurance. We offer comprehensive coverage for everyday vehicles and specialized policies for classic cars, ensuring your investment is safeguarded. Whether you need liability, collision, or collector car protection, we’ll find the right policy for you.
Jewelry & Fine Art
Insurance
Protect your valuable jewelry, fine art, and collectibles with specialized coverage against theft, loss, and damage. Standard homeowners policies may not provide full protection—ensure your treasured items are properly insured.
Boat & Yacht
Insurance
Protect your boat or yacht with comprehensive coverage for damage, liability, and unexpected events on the water. Whether you're cruising, fishing, or docking, we’ll help you find the right policy.
Business Owners Policy (BOP)
Protect your business with a comprehensive Business Owners Policy (BOP), combining property, liability, and business interruption coverage into one convenient package. Designed for small to mid-sized businesses, a BOP helps safeguard against unexpected risks.
Workers Compensation Insurance
Keep your employees protected and your business compliant with workers' compensation insurance. This essential coverage provides medical benefits and wage replacement for work-related injuries or illnesses, helping you support your team while minimizing financial risks.
Commercial Auto Insurance
Protect your business vehicles with commercial auto insurance, covering accidents, liability, and vehicle damage. Whether you have a single company car or a full fleet, we’ll help you find the right coverage to keep your business moving.
Professional Liability (E&O) Insurance
Protect your business from claims of errors, omissions, or negligence with Professional Liability (E&O) insurance. This coverage safeguards professionals against legal and financial risks arising from mistakes or unmet client expectations.
Cyber Insurance
Shield your business from cyber threats, data breaches, and financial losses with comprehensive cyber insurance. This coverage helps mitigate risks by providing protection against hacking, ransomware, and legal liabilities.
Employment Practices Liability Insurance (EPLI)
Protect your business from employee-related claims such as wrongful termination, discrimination, harassment, and wage disputes with EPLI coverage. This policy helps safeguard against legal costs and financial losses, ensuring your business is prepared for workplace challenges.
The Overmyer Insurance Agency is located in Cranford NJ and we specialize in auto, home, umbrella, business, and commercial insurance coverage in the New Jersey, New York, and Pennsylvania regions.
No matter where you are, we are there for you.
We understand that insurance is complex and time-consuming. We solve this by optimizing your insurance experience, helping you understand your insurance coverage, and providing the right protection and pricing for your unique commercial or personal insurance needs.
Give a little info, get a lot of insight
Start entering the information about your business or home and auto insurance needs, and we will take care of the rest.
We analyze your needs
We do the heavy lifting for you and start by quoting your policies with the multiple companies we represent. We then fine-tune the quotes to meet your needs and budget.
Insurance designed for you in mind
Together we match you with the best insurance company, pricing, and coverage to fit your needs.
Real-Time Consulting
We are here for you. We are your dedicated personal insurance advisors and are just a call or click away for questions, claim assistance, or coverage reviews.
Finding the Right Insurance Coverage Doesn't Need To Be Complicated.
We streamline the process to give you a better insurance experience:
Our Latest Insurance Insights
Did NJ homeowners insurance go up? Learn what factors and trends cause the NJ home insurance rates to rise and what you can do to help reduce your costs.
We can help you understand your workers compensation insurance Experience Modification Rate and help reduce your costs. Learn more here!
We help you understand how to determine your property's flood zone and how this affects your flood insurance costs.
Understand what is the difference between personal liability and personal injury coverage on your home insurance policy.
NJ non-profit insurance coverage can be complex and confusing. We help break down the coverage you need to help simply your insurance experience and better protect your organization.
EPLI covers claims made by employees against employers regarding wrongful acts during the employment process. Learn more about why EPLI coverage is critical for NJ CPA firms. .
