Henry O. Baker Insurance Group 7 South Warren Street, Dover, NJ | 973-366-0500
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If only every graduate received a PhD in insurance  
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Wholesalers and Distributors

For wholesalers and distributors of durable and non-durable goods such as:

  • Apparel
  • Food
  • Home furnishings
  • Industrial supplies
  • Office equipment and supplies
  • Plumbing and heating
  • Commercial equipment
  • Electrical apparatus and equipment

Key available coverages:

Property

  • Selling price valuation option
  • Peak season endorsement
  • Equipment breakdown
    • Spoilage
    • Ammonia contamination
    • Hazardous substance
  • Business income / Extra expense
    • Dependent property

General liability

  • Broadened named insurance
  • Blanket broad form vendors
  • Blanket additional insured
    • Managers/Lessors or leased premises
    • Lessors of leased equipment

Workers Compensation

  • Extensive preferred provider networks with a presence in all 50 states
  • Pharmacy network
  • Focus on early intervention
  • Medical case management
  • Return to work programs
  • Medical cost containment
  • Industrial hygiene / occupational disease risk control specialists

Auto

  • Liability and physical damages
  • Composite rated
  • Rental reimbursement
  • Business auto coverage extension
    • Broad form named insured
    • Blanket waiver of subrogation
    • Employees as insureds
    • Hired car-worldwide coverage
    • Unintentional errors and omissions

Umbrella / Excess Liability

  • Providing excess layers of protection over your liability coverages
  • Flexible and substantial limits capacity
  • Built in coverages including
    • Worldwide territory
    • Insured status for employed health professionals
    • Follow form fellow employee coverage

Services:

Risk Control

  • Ergonomics and material handling
  • Fleet safety management
  • Contractual risk transfer

Additional Coverages:

Inland Marine

  • Transportation
  • Exhibition
  • Contractors’s equipment
  • Accounts receivable
  • Valuable papers
  • Computerized business equipment coverages
  • More!

Ocean Marine:

  • Worldwide cargo coverage