Daman Associates Inc. is an insurance agency that was established over 25 years ago and is now managed by Noel Albert, a 25 year veteran in the insurance industry. We understand that NJ Residents are paying some of the Highest Insurance Premiums in the US. As an independent insurance agency we are able to quote great savings to our clients and prospective clients.
In many cases we are able to save clients Up to 30% on their current insurance bill. In addition, we are also able to find other savings when clients bundle multiple insurance policies together. Specializing in all lines of personal and commercial insurance, we have access to over 100 markets. Our offices are located in the Franklin Lakes and Edgewater areas.
Business can also be performed by phone, online or through the mail. We welcome clients and prospective clients to come meet our staff at either of our locations. Let us show you how an insurance agency can personalize service and policies to exceed their client's needs.
In many cases we are able to save clients Up to 30% on their current insurance bill. In addition, we are also able to find other savings when clients bundle multiple insurance policies together. Specializing in all lines of personal and commercial insurance, we have access to over 100 markets. Our offices are located in the Franklin Lakes and Edgewater areas.
Business can also be performed by phone, online or through the mail. We welcome clients and prospective clients to come meet our staff at either of our locations. Let us show you how an insurance agency can personalize service and policies to exceed their client's needs.
Services
Daman Associates Inc. offers a free, easy auto quote form so that you can see how much you could be saving.
NJ Auto insurance is absolutely necessary for drivers.
Unfortunately, it can also be confusing and frustrating.
At Daman Associates Inc., we work with multiple carriers, which means we can provide you with options.
We do the research for you so that all you have to do is sit back and start saving.
We simply listen to your specific needs, then we go find what you're looking for.
NJ Auto insurance is absolutely necessary for drivers.
Unfortunately, it can also be confusing and frustrating.
At Daman Associates Inc., we work with multiple carriers, which means we can provide you with options.
We do the research for you so that all you have to do is sit back and start saving.
We simply listen to your specific needs, then we go find what you're looking for.
An annuity is a contract between you and an insurance company, under which you make a lump-sum payment or series of payments.
In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date.
Annuities typically offer tax-deferred growth of earnings and may include a death benefit that will pay your beneficiary a guaranteed minimum amount, such as your total purchase payments.
There are generally two types of annuities-fixed and variable.
In a fixed annuity, the insurance company guarantees that you will earn a minimum rate of interest during the time that your account is growing.
In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date.
Annuities typically offer tax-deferred growth of earnings and may include a death benefit that will pay your beneficiary a guaranteed minimum amount, such as your total purchase payments.
There are generally two types of annuities-fixed and variable.
In a fixed annuity, the insurance company guarantees that you will earn a minimum rate of interest during the time that your account is growing.
A classic car is not an antique car.
Though this may be a tad confusing to people who aren't automotive aficionados, it's important to note, especially if you're looking for an affordable insurance policy.
What's the fundamental difference?
A classic car enjoys its fair share of road time and needs a more comprehensive coverage plan.
At Daman Associates Inc., we specialize in covering antique, classic, and collectible automobiles.
We offer top-dollar value assessments and customizable insurance options.
Though this may be a tad confusing to people who aren't automotive aficionados, it's important to note, especially if you're looking for an affordable insurance policy.
What's the fundamental difference?
A classic car enjoys its fair share of road time and needs a more comprehensive coverage plan.
At Daman Associates Inc., we specialize in covering antique, classic, and collectible automobiles.
We offer top-dollar value assessments and customizable insurance options.
A condominium combines the convenience of apartment living with the investment advantage of ownership.
Daman Associates Inc. offers a policy specifically designed for individual condominium unit owners.
Buying insurance is different for a condominium unit owner than for owners of conventional homes or renters.
That is why a special unit owners policy has been developed.
In many instances, the condominium/association entity assumes responsibility for insuring certain types of damage to the dwelling structure.
Daman Associates Inc. offers a policy specifically designed for individual condominium unit owners.
Buying insurance is different for a condominium unit owner than for owners of conventional homes or renters.
That is why a special unit owners policy has been developed.
In many instances, the condominium/association entity assumes responsibility for insuring certain types of damage to the dwelling structure.
Individual disability insurance is truly a basic concept.
It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation.
Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate.
To buy the cheapest disability insurance policy on the market is to throw money away.
The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.
It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation.
Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate.
To buy the cheapest disability insurance policy on the market is to throw money away.
The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.
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