Business Details
50+ Years
experience
Emergency
services
Trusted Insurance Solutions in Flemington, NJ
Established in 1971, Cedar Risk Management has evolved from Raritan Valley Insurance Services into a full-service independent insurance agency serving Flemington, New Jersey. Our rebranding in 2013 reflects our commitment to growth, diversity, and stability, symbolized by the Cedar tree's association with prosperity and protection. We prioritize personalized service over price-centric policies, focusing on educating clients about coverage nuances to ensure informed decisions. With access to over 40 regional and national carriers, we specialize in customizing personal and commercial insurance solutions for homeowners, businesses, and specialty needs. Our team of experts holds advanced designations like CISR, CRIS, and CIC, ensuring deep industry knowledge.We differentiate ourselves through proactive service, transparent communication, and a zero-hassle process that saves clients time and money. Our 24/7 support system and emergency claim protocols demonstrate our commitment to client satisfaction. As an independent agency, we maintain no proprietary product ties, allowing unbiased recommendations. Over five decades, we've built a reputation for resolving complex insurance challenges while maintaining a client-centric approach. Our mission remains unchanged: to provide comprehensive protection that aligns with individual client needs.
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Flood Insurance
Business Property Insurance
Workers Compensation
Umbrella Insurance
Pet Health Insurance
Cyber Liability
Recreational Vehicle Insurance
Details
- Year established: 1971
Highlights and features
- We provide 40+ years of insurance expertise with regional and national carrier access
- Our team holds advanced industry designations including CISR, CRIS, and CIC
- We offer 24/7 support for emergency claims and policy adjustments
- Our independent status ensures unbiased coverage recommendations
- We guarantee transparent pricing with no hidden fees or coverage reductions
What people say
Right coverage at affordable price
Best companies I've dealt with
Proactive service and knowledgeable team
Saved significant money on policies
Exceptional claim support
Services
Commercial Insurance
We specialize in comprehensive commercial insurance solutions protecting businesses of all sizes. Our offerings include general liability, workers compensation, business property coverage, and specialized protections for industries ranging from tradesmen to legal professionals. With access to multiple carriers, we customize policies that address specific operational risks while maintaining cost-effectiveness. Our dedicated team provides ongoing risk assessment and policy adjustments to ensure continuous protection as businesses evolve.
Homeowners Insurance
Our homeowners insurance provides tailored coverage for primary residences, vacation properties, and specialty dwellings. We offer standard policies with optional enhancements for flood, earthquake, and high-value assets. Our agents help clients understand policy limits and exclusions, ensuring adequate protection against common risks. We specialize in hard-to-place coverage for unique properties through specialized carrier partnerships. Policyholders benefit from 24/7 claims support and expedited claims processing.
Flood Insurance
We provide flood insurance solutions through the National Flood Insurance Program and private carriers. Our experts assess property-specific flood risks and recommend appropriate coverage levels. We assist with policy customization for both residential and commercial properties in high-risk areas. Clients receive guidance on flood mitigation strategies and documentation requirements for claims. Our team maintains up-to-date knowledge of changing flood zone regulations and insurance requirements.
Workers Compensation
Our workers compensation insurance meets state requirements while providing comprehensive protection for businesses. We offer policies that cover medical expenses, lost wages, and legal costs associated with workplace injuries. Our risk management specialists help implement safety protocols to reduce claims frequency. We serve diverse industries including construction, healthcare, and professional services. Clients benefit from claims management support and premium audit assistance.
Cyber Liability
We provide cyber liability insurance protecting businesses against data breaches and cyber attacks. Our policies cover data recovery costs, legal fees, regulatory fines, and business interruption losses. We offer risk assessment services to identify vulnerabilities and recommend security improvements. Our specialists work with technology firms, healthcare providers, and financial institutions to develop customized protection strategies. Policyholders receive access to incident response resources and breach notification services.
People
Dick Farrell
Chairman
Founder with 50+ years insurance experience. Established agency in 1971, transitioning from corporate insurance to independent agency model. Developed core philosophy emphasizing coverage quality over price. Holds industry leadership positions and maintains active role in strategic direction.
Jarrett Farrell
President
Licensed agent since 2001 with expertise in commercial insurance. Specializes in business owner policy customization and risk management strategies. Active in industry associations and maintains relationships with major carriers. Focuses on expanding agency's commercial client base while maintaining service quality standards.
Malena Farrell
President
Licensed producer with CISR, CRIS, and CIC designations. Specializes in mid-to-large business insurance solutions. Recipient of NJ CSR of the Year award and recognized as Elite Woman in Insurance. Develops strategic partnerships with carriers to secure favorable terms for clients.
Sean Keegan
VP of Benefit Services
25+ years health insurance and benefits expertise. Former business owner with accounting background. Specializes in group insurance plans and PEO solutions. Licensed since 1995, focusing on balancing client needs with budget constraints through innovative benefit structures.
Robin Campbell
Risk Manager
18-year insurance veteran specializing in risk assessment and premium cost reduction. Expert in identifying business-specific exposures and implementing mitigation strategies. Maintains relationships with underwriters to secure favorable terms. Combines technical knowledge with personalized service approach.
Questions
What makes Cedar Risk Management different from other insurance agencies?
As an independent agency, we offer unbiased recommendations from 40+ carriers. Our team holds advanced industry designations and focuses on coverage education rather than price-centric sales.
What types of insurance do you specialize in?
We provide personal insurance (auto, home, flood), commercial insurance (business property, liability, workers comp), and specialty coverage (cyber liability, vacant properties) tailored to client needs.
How do you help clients save money on insurance?
We compare multiple carrier options to find optimal cost/coverage combinations. Our expertise identifies appropriate discounts and bundling opportunities while maintaining adequate protection levels.
What should I do to file an insurance claim?
Contact your carrier directly for emergency claims. For policyholder support, reach our service center through online portal or phone to initiate the claims process with documentation guidance.
Do you offer 24/7 insurance support?
Yes, our team provides 24/7 assistance for emergency claims and urgent policy adjustments. Account managers are available during regular business hours for detailed consultations.
