Business Details
50+ Years
experience
Your Trusted Insurance Partner in Morristown, NJ
Established in 1930, Robert Lloyd Coutts & Sons has served as a trusted independent insurance agency in Morristown, NJ. Our family-owned business specializes in delivering personalized insurance solutions for individuals and businesses across New Jersey. With expertise in homeowners, auto, business, and specialty insurance, we prioritize client relationships and tailored coverage. As a mainstay of Morristown's business community, we combine decades of experience with a commitment to exceptional service. Our team works closely with clients to identify risks and implement customized plans through partnerships with top regional and national carriers. We maintain active memberships in professional organizations like the Professional Insurance Agents of New Jersey and the Independent Insurance Agents of New Jersey.Our agency's longevity reflects our dedication to transparency, ethical practices, and community engagement. Located at 46 Washington Street since 1945, we continue to serve three generations of clients with the same core values established by our founder. Our staff combines deep local market knowledge with industry certifications to provide comprehensive risk management advice. We remain committed to evolving with client needs while maintaining the personal touch that defines our 90-year legacy.
Services
Personal Insurance
Business Insurance
Non-Profit Insurance
Bond Services
Homeowners Insurance
Auto Insurance
Flood Insurance
Umbrella Liability
Workers Compensation
Directors & Officers Liability
Details
- Year established: 1930
Highlights and features
- Family-owned agency with 90+ years of continuous service in Morristown
- Independent agents offering multiple carrier options for competitive pricing
- Specialized expertise in New Jersey-specific insurance requirements
- Third-generation family leadership maintaining original founding values
- Proven track record in complex risk management for businesses and individuals
Associations and certifications
- Professional Insurance Agents of New Jersey
- Independent Insurance Agents of New Jersey
- Trusted Choice Agent
Services
Personal Insurance
We offer comprehensive personal insurance solutions including homeowners, auto, flood, and umbrella liability policies tailored to New Jersey residents' specific needs. Our agents help clients understand coverage limitations and optional endorsements while ensuring proper protection for valuable assets. With access to multiple carriers, we provide competitive pricing for customized personal risk management plans.
Business Insurance
Our business insurance services include BOP policies, workers' compensation, professional liability, and cyber liability coverage for New Jersey companies of all sizes. We specialize in creating customized packages that address industry-specific risks while maintaining cost-effectiveness. Our team helps businesses understand policy exclusions and implement appropriate risk mitigation strategies.
Non-Profit Insurance
We provide specialized insurance programs for non-profit organizations including directors & officers liability, event coverage, and abuse & molestation protection. Our solutions address the unique risks faced by charities, cultural organizations, and community groups while maintaining compliance with regulatory requirements.
Surety Bonds
Our agency offers various surety bonds including probate, fidelity, and license & permit bonds with immediate issuance capabilities for Morris County clients. We assist individuals and businesses in meeting legal bonding requirements while explaining the financial obligations associated with these credit-based instruments.
Flood Insurance
We provide specialized flood insurance policies that cover losses excluded from standard homeowners' policies. Our agents help property owners understand flood zone requirements and select appropriate coverage limits through the National Flood Insurance Program and private carrier options.
Questions
What types of insurance do you offer?
We provide personal insurance (homeowners, auto, flood), business insurance (BOP, liability), non-profit coverage, and surety bonds for New Jersey residents and organizations.
Are you a local, family-owned business?
Yes, we've been family-owned and operated in Morristown since 1930, with three generations of the Coutts family maintaining active leadership roles.
How do you help clients get the best rates?
As independent agents, we compare policies from multiple carriers to find customized solutions that match each client's specific risk profile and budget.
Do you specialize in any particular insurance areas?
We have particular expertise in New Jersey flood insurance requirements, non-profit organization coverage, and complex business liability solutions including cyber liability.
How can I file a claim?
Contact us directly at 973-539-4900 during business hours or use our website's claim reporting resources to connect with your specific carrier.
What are your office hours?
Our Morristown office is open Monday through Friday from 9:00 AM to 5:00 PM, with after-hours emergency contact options available.
