Business Details
50+ Years
experience
Your Trusted Insurance Partner in Somerville, NJ
Founded in 1940, LaFontaine & Budd has built a legacy of personalized insurance solutions for individuals, families, and businesses across New Jersey and Eastern Pennsylvania. Our agency, led by James T. Rick Jr. and Michael A. McCurry Jr., prioritizes client relationships over policy numbers, combining decades of industry expertise with a commitment to tailored service. We operate as an independent agency, representing clients rather than insurers, and partner with financially sound companies to secure competitive coverage.Our team, with 90% of staff boasting over 25 years of experience, specializes in risk management, claims advocacy, and policy reviews to minimize costs and coverage gaps. Located in Somerville, NJ, we serve local communities with in-person consultations and prioritize transparency, fairness, and accountability in every interaction. Our objectives remain unchanged since our founding: to reduce insurance costs, eliminate coverage gaps, and deliver service that reflects our clients' trust.
Services
Auto Insurance
Homeowners Insurance
Flood Insurance
Umbrella Liability
Term Life Insurance
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 professionals with over 25 years of industry experience.
- We represent clients directly, not insurance companies, ensuring unbiased recommendations.
- We specialize in minimizing coverage gaps and reducing insurance costs.
- Our local expertise serves New Jersey and Eastern Pennsylvania communities effectively.
Services
Auto Insurance
Our auto insurance policies offer preferred rates for qualified drivers and include direct repair programs with top-rated collision experts. We specialize in coverage for standard vehicles, antique cars, and high-value automobiles. Our team ensures competitive pricing while maintaining comprehensive protection against liability, accidents, and theft.
Homeowners Insurance
We provide preferred/elite coverages for homes, including high-value residences, condos, townhomes, and mobile homes. Our policies address risks like property damage, liability claims, and natural disasters. We offer on-site policy insurance for closings and customized programs to protect your home investment.
Business Insurance
Our business insurance solutions cater to retail, wholesale, contractors, manufacturers, municipalities, and nonprofits. We design tailored programs for workers' compensation, business automobiles, surety bonds, and group life/health policies. Our focus is on risk management and cost reduction for companies of all sizes.
Flood Insurance
We offer flood insurance with computerized flood zone determination and excess coverage limits. Our policies protect against water damage from natural disasters, ensuring compliance with federal requirements and providing financial security for property owners in high-risk areas.
Umbrella Liability
Our umbrella liability policies provide additional coverage beyond standard auto or home insurance. Designed for individuals and businesses, these policies protect against large claims or lawsuits, covering legal fees, medical expenses, and property damage exceeding primary policy limits.
People
James T. Rick Jr.
Owner
James T. Rick Jr. leads LaFontaine & Budd with over 30 years of insurance expertise. He focuses on client advocacy and strategic partnerships with top insurers to deliver tailored coverage solutions.
Michael A. McCurry Jr.
Owner
Michael A. McCurry Jr. co-owns the agency, leveraging his CPCU and CIC certifications to specialize in risk management and commercial insurance for local businesses.
Sandy Balla
Commercial Lines Service
Sandy Balla manages commercial insurance services, including claims and certificates, with over 25 years of experience ensuring businesses receive comprehensive coverage and prompt claim resolutions.
Suzanne Dial
Personal Lines Account Service
Suzanne Dial handles personal lines accounts, providing expert support for claims and billing inquiries while maintaining a client-focused approach to insurance solutions.
Jody McCurry
General Service
Jody McCurry addresses general service and billing questions, offering over 25 years of industry knowledge to ensure clients receive clear, efficient support.
Questions
What types of insurance do you offer?
We provide auto, home, flood, umbrella liability, term life, surety bonds, and business insurance tailored to individual and commercial needs.
Do you serve areas outside Somerville, NJ?
Yes, we serve clients across New Jersey and Eastern Pennsylvania with personalized insurance solutions.
How can I file an insurance claim?
Contact our office directly or use the claims contact details provided by your insurer for prompt assistance.
Are your agents experienced?
90% of our staff have over 25 years of industry experience, ensuring expert guidance for all clients.
Can I get business insurance for a small company?
Yes, we specialize in custom business insurance for companies of all sizes, including contractors and nonprofits.
What are your office hours?
Monday-Thursday 9 a.m.-5 p.m., Friday 9 a.m.-4 p.m. Closed weekends.
