Business Details
50+ Years
experience
Your Trusted Insurance Partner in Bloomfield, NJ
Generazio Associates has been serving clients since 1971, building a reputation for personalized insurance solutions and exceptional service. Founded in Northern New Jersey by John and Gerry Generazio, the agency has expanded to operate in over 15 states while maintaining its commitment to tailored risk management. Our team of experts specializes in both personal and commercial insurance, partnering with top carriers to provide comprehensive coverage options. Led by President Michele Chierico and Senior Vice President Phil Chierico, we combine decades of industry experience with a client-centric approach. Our independent agency model allows us to offer unbiased recommendations and competitive pricing across multiple insurance lines.We focus on understanding each client's unique needs, whether for home, auto, business, or specialized coverage. Our track record of customer satisfaction is evidenced by long-term client relationships and numerous testimonials praising our professionalism and problem-solving capabilities. We maintain rigorous standards of transparency and ethical practice in all our operations. With a deep understanding of both local markets and national insurance trends, we provide the expertise of a large firm with the personal touch of a family-owned business.
Services
Personal Insurance
Business Insurance
Auto Insurance
Homeowners Insurance
Flood Insurance
Commercial Auto Insurance
Workers Compensation Insurance
Details
- Year established: 1971
Highlights and features
- We specialize in Transportation, Habitational, and Condo Associations commercial coverages
- Our Personal Lines Associates handle home, auto, boat, motorcycle, and jewelry insurance
- We offer independent agency access to multiple carriers for competitive pricing
- Our team provides expert risk assessment and tailored insurance solutions
- We maintain 50+ years of combined industry experience with family business values
What people say
Best and most professional
Saved them $500 annually
Courteous and helpful
Excellent support
Top notch customer service
Services
Personal Insurance
We provide customized personal insurance solutions for families across multiple states. Our independent agency model allows access to various carriers for competitive pricing on home, auto, renters, and specialty coverage. Our team assesses each family's unique risks to create comprehensive protection plans that include standard and high-value item coverage options.
Business Insurance
Our business insurance services cater to diverse commercial needs through partnerships with major carriers. We specialize in commercial auto, workers' compensation, and specialized liability coverage for industries like restaurants and condo associations. Our approach combines risk assessment with tailored solutions to protect businesses from operational exposures while maintaining cost-effectiveness.
Flood Insurance
We offer comprehensive flood insurance solutions that go beyond standard policy limitations. Our expertise includes both National Flood Insurance Program policies and private market options with higher coverage limits. We help clients understand flood risks and implement protection strategies that include ordinance coverage and water backup protection for residential and commercial properties.
Homeowners Insurance
Our homeowners insurance services provide tailored protection for primary residences and investment properties. We offer standard coverage with optional enhancements like umbrella liability, specialized damage protection, and ordinance compliance coverage. Our team helps clients navigate policy options to ensure adequate protection for both property structure and personal belongings.
Commercial Auto Insurance
We specialize in commercial auto insurance for businesses with single vehicles or entire fleets. Our coverage options include liability protection, cargo insurance, and specialized coverage for high-value vehicles. We work with clients to implement risk management strategies that reduce premiums while maintaining comprehensive protection for business-related vehicle operations.
People
Michele Chierico
President
Michele Chierico leads Generazio Associates with over 25 years of insurance industry experience. As daughter of the founders, she maintains family values while driving modernization efforts. She focuses on strategic growth and client relationship management.
Phil Chierico
Senior Vice President
Phil Chierico oversees operations with a focus on commercial insurance solutions. With 30+ years in the industry, he specializes in risk assessment for complex business needs while maintaining the agency's founding principles of personalized service.
Tony Cinar
Insurance Agent
Tony Cinar provides personalized insurance solutions with particular expertise in homeowners and auto policies. His client-focused approach has saved customers thousands annually while maintaining comprehensive coverage through careful policy analysis and carrier comparisons.
Tami Neri
Insurance Specialist
Tami Neri offers dedicated support for personal insurance needs with a reputation for exceptional customer service. Her attentive approach ensures clients receive appropriate coverage while maintaining clear communication throughout the policy lifecycle.
Vanessa Velez
Client Services Agent
Vanessa Velez provides prompt and knowledgeable insurance guidance during critical life events like home purchases. Her responsiveness and thorough explanations help clients navigate complex insurance decisions with confidence and clarity.
Questions
How do I pay my insurance bill?
Visit our Carriers page to access your insurance carrier's payment portal. Select your carrier and use the Make a Payment link, or contact us for assistance if unsure which carrier to select.
How do I file an insurance claim?
Go to our Carriers page and click File a Claim for your specific carrier. This will direct you to the claims portal where you can file online or contact your carrier directly.
Can I update my policy online?
For policy changes, call us at 973-429-8100 or submit a Service Request Form with details. We'll confirm changes and implement them through your carrier.
Do you offer coverage outside New Jersey?
Yes, we're licensed in over 15 states including California, New York, Connecticut, and Pennsylvania. Contact us to verify availability in your specific location.
How can I get proof of insurance?
Call us directly or log into your carrier's client portal to download official insurance documents and certificates of coverage.
What insurance types do you specialize in?
We specialize in personal insurance (home, auto, umbrella), commercial insurance (auto, liability, workers' comp), flood insurance, and specialized coverage for unique property needs.
