Business Details
50 Years
experience
Your Trusted Insurance Advisor in Clark, NJ
Founded in 1976, American Insurance Services Agency has built a legacy of providing comprehensive insurance solutions tailored to the unique needs of individuals and businesses. As an independent agency, we prioritize client interests over carrier affiliations, leveraging relationships with multiple insurers to deliver competitive pricing, robust coverage, and personalized service. Our team of seasoned professionals brings decades of combined experience in risk assessment, policy customization, and claims advocacy, ensuring clients receive expert guidance from initial consultation through resolution.With a 92% client retention rate and over 3000 satisfied relationships, we maintain a steadfast commitment to transparency, ethical practices, and community-focused service. Our approach emphasizes proactive risk management and continuous policy optimization to protect clients' financial security in both predictable and unexpected scenarios.
Services
Homeowners Insurance
Auto Insurance
Umbrella Insurance
Business Insurance
Workers Compensation
Commercial Property
Contractors Insurance
Restaurant Insurance
Manufacturing Insurance
Property Manager Insurance
Details
- Year established: 1976
Highlights and features
- We have 40+ years of combined experience in New Jersey insurance markets
- Our independent status provides access to multiple carriers for competitive pricing
- 92% client retention rate demonstrates consistent service quality and satisfaction
- Specialized expertise in home, auto, business, and specialty insurance coverages
- Dedicated local agents with in-depth knowledge of regional risk factors
Services
Homeowners Insurance
Protect your primary investment with comprehensive homeowners insurance covering structural damage, personal property, liability claims, and additional living expenses. Our policies address fire, water damage, theft, and natural disasters while offering customizable options like flood insurance and umbrella coverage. We help New Jersey homeowners secure appropriate limits for replacement costs and code compliance, ensuring financial protection against common and catastrophic risks.
Business Insurance
Safeguard your company with tailored business insurance packages combining liability protection, property coverage, and workers compensation. We offer general liability, commercial auto, and specialized policies for contractors, restaurants, and manufacturers. Our solutions protect against lawsuits, equipment damage, and operational disruptions while meeting New Jersey's regulatory requirements for business owners.
Umbrella Insurance
Extend protection beyond standard policy limits with umbrella insurance covering personal and business liabilities. This supplemental coverage addresses catastrophic claims like severe accidents or lawsuits exceeding primary policy amounts. We help clients secure appropriate excess liability limits to protect assets against high-cost incidents involving vehicles, properties, or watercraft.
Auto Insurance
Obtain competitive auto insurance rates with comprehensive protection for personal and commercial vehicles. Our policies include bodily injury and property damage liability, collision coverage, comprehensive protection, and uninsured motorist benefits. We assist New Jersey drivers in selecting appropriate limits while offering cost-saving options like multi-policy discounts and usage-based programs.
Workers Compensation
Meet legal requirements and protect employees with compliant workers compensation insurance covering job-related injuries and illnesses. Our policies address medical expenses, wage replacement, and rehabilitation costs while protecting businesses from litigation. We provide risk management resources to reduce workplace incidents and help employers maintain safe working environments across New Jersey.
People
Nick SanFilippo
CEO
With over four decades of insurance leadership experience, Nick SanFilippo directs our agency's strategic vision while maintaining focus on client-centric service excellence in the Clark, NJ market.
Dawn Law
President
As President, Dawn Law oversees daily operations and client relations, leveraging extensive industry knowledge to ensure our team delivers personalized insurance solutions meeting New Jersey residents' unique needs.
Carolyn Day
Personal Insurance Agent
Carolyn Day specializes in personal insurance products, helping homeowners and drivers secure comprehensive coverage while providing ongoing policy reviews to adapt to clients' evolving life circumstances.
Cindy Hathaway
Business Insurance Agent
Cindy Hathaway focuses on commercial insurance solutions, working closely with New Jersey businesses to identify operational risks and implement protective policies covering liability, property, and employee-related exposures.
Sushma Parikh
Business Insurance Agent
Sushma Parikh provides expert business insurance guidance, specializing in risk assessment and policy customization for small to mid-sized companies across diverse industries in the Clark area.
Questions
What types of insurance do you offer?
We provide personal insurance (home, auto, umbrella), business insurance (liability, property, workers compensation), and specialty coverage for contractors, restaurants, and manufacturers.
Why use an independent insurance agency?
As an independent agency, we represent multiple carriers to find you optimal coverage at competitive prices without being tied to any single insurance company's products.
Which areas do you serve?
We primarily serve Clark, Westfield, Edison, Kenilworth, Old Bridge, East Brunswick, Scotch Plains, Springfield, Woodbridge, West Orange, and Cranford in New Jersey.
How can I save on insurance costs?
We compare multiple carriers' rates, offer bundling discounts, and help identify risk reduction opportunities to maximize your insurance value while maintaining adequate protection.
What should I do after an accident or loss?
Contact us immediately to report claims, and we'll guide you through the process while advocating for your interests with insurance providers.
How do you help with policy selection?
Our agents assess your specific needs, explain coverage options in plain language, and recommend tailored solutions balancing protection requirements with budget considerations.
