Business Details
50+ Years
experience
Your Trusted Insurance Partner in Somerville, NJ
Founded in 1940, LaFontaine and Budd Inc. has built a legacy of personalized insurance solutions for individuals, families, and businesses across New Jersey and Eastern Pennsylvania. Our team of certified professionals prioritizes client relationships over policy numbers, offering tailored coverage through a curated network of reputable insurers. With over 80 years of combined experience, we approach insurance from a risk management perspective, ensuring comprehensive protection while identifying cost-saving opportunities.Our Somerville-based office serves as a trusted local resource, blending technology with face-to-face service to maintain transparency and accountability. We guarantee continuity through dedicated representatives who remain involved from policy inception to claims resolution, backed by a proven track record of prompt claim settlements and ongoing coverage reviews.
Services
Auto Insurance
Homeowners Insurance
Flood Insurance
Term Life Insurance
Umbrella Liability
Surety Bonds
Business Insurance
Workers Compensation
Business Automobile
Group Life and Health
Details
- Year established: 1940
Highlights and features
- We provide personalized insurance solutions tailored to individual client needs
- Our team includes certified professionals with over 25 years of average industry experience
- We maintain long-term relationships with financially sound insurance carriers
- We offer comprehensive risk management analysis for all coverage needs
- Our local office provides direct access to dedicated insurance representatives
Services
Auto Insurance
Our auto insurance provides comprehensive protection for qualified drivers with preferred rates and direct repair programs. We offer specialized coverage for classic cars and high-value vehicles through top-rated insurers. Our agents help clients navigate policy options to ensure adequate protection while identifying cost-saving opportunities through multi-policy discounts and risk management strategies.
Homeowners Insurance
We provide tailored homeowners insurance for various property types including high-value homes, condos, and mobile homes. Our policies include preferred coverage options and on-site insurance for closings. We specialize in identifying coverage gaps and ensuring adequate protection against unique risks while maintaining competitive pricing through our network of reputable insurance carriers.
Business Insurance
Our business insurance solutions cater to diverse industries including retail, manufacturing, and non-profits. We offer customized programs for commercial auto fleets, workers compensation, and liability protection. Our risk management approach ensures comprehensive coverage while identifying cost-saving opportunities through policy reviews and carrier comparisons tailored to each business's specific operational needs.
Flood Insurance
We provide flood insurance with computerized flood zone determination and excess coverage options. Our agents help property owners understand flood risk assessments and select appropriate coverage limits. We work with specialized carriers to ensure compliance with federal requirements while offering additional protection beyond standard policy limits for properties in high-risk areas.
Term Life Insurance
Our term life insurance solutions provide financial protection for families and business owners. We offer policies with flexible terms and coverage amounts to meet various needs. Our agents help clients evaluate their specific requirements and select appropriate coverage that aligns with their financial goals while ensuring competitive pricing through our network of reputable life insurance providers.
People
James T. Rick Jr.
Owner
With decades of industry experience, James T. Rick Jr. leads our agency with a commitment to personalized service and client advocacy. He ensures our team maintains the highest standards of professionalism while continuing the legacy established by our founders.
Michael A. McCurry Jr.
Owner
Michael A. McCurry Jr. brings extensive insurance expertise to our leadership team. His focus on risk management and client relationships helps drive our agency's continued success in providing tailored insurance solutions for both personal and commercial clients.
Sandy Balla
Commercial Lines Service
Sandy Balla specializes in commercial insurance services, handling claims and certificate requests with expertise developed through years of dedicated service. Her knowledge ensures efficient processing and accurate documentation for our business clients' insurance needs.
Suzanne Dial
Personal Lines Account Service
Suzanne Dial provides expert support for personal insurance accounts, addressing claims and billing questions with professionalism. Her extensive experience enables her to deliver efficient solutions while maintaining personalized service for our individual policyholders.
Mike McCurry
New Business Development
Mike McCurry assists both new and existing clients with insurance needs, leveraging his industry knowledge to identify optimal coverage solutions. His approach combines technical expertise with personalized service to ensure clients receive appropriate protection.
Questions
What types of insurance do you offer?
We provide auto, home, flood, life, umbrella liability, surety bonds, and comprehensive business insurance solutions for individuals and commercial clients.
How are you different from other insurance agencies?
As an independent agency, we represent clients rather than insurance companies, offering personalized service through dedicated representatives who manage policies from start to claim resolution.
Do you serve areas outside Somerville?
We serve clients throughout New Jersey and Eastern Pennsylvania, with particular expertise in Somerset County and Bridgewater area insurance needs.
How do you help clients save money?
Our risk management approach identifies coverage gaps and cost-saving opportunities through policy reviews, multi-policy discounts, and comparisons across our network of reputable insurers.
