History is what backs us.
Service is what guides us.

We specialize in you and your unique risks at Delta Associates Insurance Agencies.

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History Is What Makes Delta Associates Insurance Agencies

Over 135 years of specializing in you and your needs.

When history is what our agency is built on that means we have a legacy to uphold. At Delta Associates Insurance Agencies, we strive every day to uphold the dedication we have had to our clients and communities for over 135 years. Did you know our agency was founded the same year as the invention of the first automobile? Needless to say, a lot has changed in the decades since we first opened our doors, but one thing has stayed the same—the risks of life.

When it comes to protecting the things that matter most to you, you want to work with an insurance agency you can trust to have your back. Our experienced agents are here for you, specializing in the unique risks you face. We take the time to get to know you so we can build a comprehensive insurance plan with coverages from our multiple A-rated insurance carriers. With Delta Associates Insurance Agencies, you have dependability backed by service.

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Delta Associates founded in 1886.

Bischoff Insurance Agency founded in 1962.

Delta Associates and Bischoff Insurance merge in 2019.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

The Solution to Your Insurance Needs

Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Delta Associates Insurance Agencies does best.

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As an independent agency, we are here to help you find the right coverage.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

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“Unbelievable service! Business is done the old-fashioned way; hands-on, respectful, and caring. They will take excellent care of your home, car, family, and business needs! Don’t pass them by!”

– Frank B.
We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We are there for you in your time of need.
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Auto

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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Little Falls, NJ

80 E. Main Street
Little Falls, NJ 07424

Ringwood, NJ

133 Skyline Drive
Ringwood, NJ 07456

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