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Harbor Lights Risk Mgmt Partners in Toms River, NJ

Learn about our insurance products

  • Auto Insurance

    Get an auto insurance policy you can count on from Nationwide.

  • Homeowners Insurance

    Protect your house and personal property by choosing the right insurance coverage from Nationwide.

  • Life Insurance

    Let us help you select life insurance coverage that meets your needs, your life and your budget.

  • Business Insurance

    Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

Our Insurance Products

The Harbor Lights Risk Mgmt Partners in Toms River, NJ provides the following products. To learn more about each insurance product, click on the links below.

  • Auto Insurance

    Don't let confusing terminology keep you from driving with quality insurance. If you have questions about your protection, then Harbor Lights Risk Mgmt Partners is here to help. At Harbor Lights Risk Mgmt Partners, we work with Nationwide to provide you with personalized automobile insurance solutions. No matter where you are in life, we will make sure you get the coverage that is right for you.

    With Nationwide's On Your Side Review®, you leave our office knowing you have the right coverage for the drivers and vehicles in your household. For example, when an accident happens, having uninsured and underinsured coverage options could help in case the other party cannot pay for the damages caused. You can also get our roadside assistance and rental reimbursement insurance to get you back on the road faster after an accident. We will work with you to ensure any discounts you qualify for are applied to lower the impact insurance has on your budget. There are discounts for good drivers, good students, and even for ecofriendly practices like our paperless billing plan. If you are driving in Toms River, know that we will always be there when you need us.

    Come in today and talk to Harbor Lights Risk Mgmt Partners. You can visit us at 252 Washington St or call in advance at (732) 528-1740 to schedule an appointment. We welcome any questions you may have, so do not hold back. Our goal is to provide you with affordable and understandable vehicle protection.

  • Homeowners Insurance

    Buying a home is a big step; this decision holds the key to a stable, more financially sound future. Homeowners and their families deserve the right kind of protection, which is why Harbor Lights Risk Mgmt Partners offers comprehensive home insurance coverage. Protecting this important investment goes a long way towards ensuring that your home is there for you today and tomorrow. Enjoy knowing that you are creating a legacy that will see you through the many years to come. Harbor Lights Risk Mgmt Partners is here to help you find the right coverage for your home.

    Our Toms River agency offers personalized Nationwide insurance products that give homeowners the coverage they need. Customizing insurance solutions to your needs is part of what makes our work so valuable. We go the extra mile to make sure that your home receives the coverage it requires. The result is a policy that addresses the distinctive needs of your home, the surrounding property, and even structures like free-standing garages.

    If you bought your home a while back but are looking to switch to a different policy provider, the Harbor Lights Risk Mgmt Partners team can help. By evaluating your current needs as a homeowner we can make recommendations regarding improved lines of coverage. This is a great way to get personalized advice that speaks directly to your individual concerns. To speak with Harbor Lights Risk Mgmt Partners or any other member of our team, visit our 252 Washington St office or call us at (732) 528-1740.

  • Life Insurance

    Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a Toms River life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.

    The agents at Harbor Lights Risk Mgmt Partners will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.

    Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.

    You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.

    Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call (732) 528-1740 and ask for Harbor Lights Risk Mgmt Partners or visit us at 252 Washington St,Toms River,NJ,08753. We will be happy to work with you to make sure your family’s financial security is always protected.


    LAW-0245AO (05/18)

  • Business Insurance

    Acting proactively is one key to small-business success. Whether you run a dry cleaner business, florist shop, real estate office, attorneys office, or something else entirely, we at Nationwide Insurance: Harbor Lights Risk Mgmt Partners have many excellent insurance solutions to offer you thanks to our working with Nationwide. Nationwide and its agents insure more than 500,000 small businesses all across the United States, and we are committed to providing quality coverage in Toms River that is affordable and meets your needs.

    If you are uncertain about where to start with your insurance plan, we offer On Your Side® Reviews to assess your business and to make recommendations to the types of insurance coverage you may need. Another good way to approach the matter is to get a business owners policy, or BOP, specific to your industry type. After that, you can add on options to fit specific situations. For example, such additional coverage options include workers compensation insurance, cyber liability insurance, accounts receivable insurance, and crime insurance. Even two businesses in the same industry may have vastly different insurance needs, so we make many coverage choices available. Business size, finances, and target customer base can often factor into insurance coverage as well.

    It is natural to wonder about the amount and type of coverage that is appropriate for your business. Contact our office today to get answers. You can give us a call at (732) 528-1740 or visit us on 252 Washington St to protect your business as much as possible.

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

The Harbor Lights Risk Mgmt Partners also offers products in NJ. Please call for information on products in those states.

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