Founding Member of the New Jersey Agents Alliance (NJAA)

A Group of Select Independent Insurance Agencies Recognized as Trusted Advisors by the Insurance Community, Representing the Top Insurance Companies, Offering Our Clients the Most Choice, While Providing Personal and Customized Coverage Options to the Specific Needs to Our Insureds.

About us

The Commercial Agency, Inc. is an independent insurance agency serving the needs of clients since 1970. The Agency is recognized as a leading provider of insurance coverages in the State of New Jersey for both business and personal clients, handling general liability, automobile, workers compensation, property, equipment and umbrella policies. Additionally, the Agency also handles employee benefits - including health and life insurance, payroll services and human resource services – in that clients many times want all such services provided by a Trusted Advisor all under the same roof.

Who We Are

Products & Services

Commercial Insurance

We offer insurance packages that are tailored for different types of businesses whether it is insurance for your building or business property.
Click to learn more about other benefits and services we offer!

Annual Insurance & Risk Management Meetings to Evaluate Client Needs
Implementation of Contractor Risk Transfer Program
Job Specific Contract Reviews of Insurance Specifications

Learn More by Clicking on the image

Surety Bonding

An adequate surety program is critical to the success of a construction business doing work in the public sector where surety bonds are required by law. Surety bonds are often required for certain private sector work as well.

Snow Plowing Programs

We understand this constantly changing market. You need to start early to explore the best options! Fill out our short application or click to learn more.

Personal & Family Insurance

Protecting your personal belongings is always a primary concern for any family. Click to learn more on how we can help you and your family.

Benefits: Life & Health

Our prices for Personal or Group health insurance are competitive. We can help tailor a policy to suit your needs and save you money! Click to learn more about the other services and benefits we offer.

Payroll & Human Resources

Premium Audit Analysis & Assistance for accurate payroll / classification records

Claims Reporting

To better assist you, the following carriers have 24 hour direct claim reporting services available. Prior to calling, please have your policy number and claim details available for the claims adjuster. The insurance carrier will forward a copy of your claim report to our office. Also, if we can assist you in any way, please do not hesitate to contact us.

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Company’s We Work With

Kenneth Cerullo, Esq. President

As President of The Commercial Agency, Ken brings a breadth of both academic and applied experience to his role. A 1990 graduate of Bucknell University, with a double major in civil engineering and economics, Ken worked in the engineering field for a time, and in 1997, earned his law degree. While practicing law, Ken worked for 5 years in the very specialized Surety/Construction arena, which allows Ken to bring a unique perspective on the real-time insurance requirements of that field. In August of 2005, Ken assumed responsibility for the daily operation and management of the family company. At The Commercial Agency, Ken divides his time among production and management responsibilities, with a steady eye on industry trends and developing a solid growth strategy for the future.

“Ken has been a really good agent for me for many years. He calls me up before the renewal, shops my insurance to get the best price for the needed coverage, and meets with me to discuss the options”.

C.G., Plumbing & Heating Contractor

“I like Ken’s attention to detail. He pushes back and challenges me by pointing out things that I may not have considered. He has been a trusted advisor for me for many years. The fact that he is a former construction attorney gives him a greater command of insurance and risk management issues”

D.C., Electrical Contractor

Steve is very attentive to my needs and always makes himself available to research my insurance concerns and get back to me with good answers! He allows me to concentrate on my business.

A.M., Builder/General Contractor

I came to The Commercial Agency because I was facing a $100,000 premium for my snow plow insurance. Steve found me a premium for approximately $40,000 and saved me $60,000 per year! He left no stone unturned in researching policy options!

B. T., Landscape Contractor

Ken & Steve were creative and saved us a tremendous amount of money by finding us affordable snow plow insurance.

C.C., Landscape Contractor

The Commercial Agency has handled by business insurance for a number of years. They are very professional. Ken & Steve are both active in our trade association. Steve volunteers and Ken has been an active force on the board and as legislative chairperson for the association.

G.F., Landscaper

Ken helped our company get covered for a roughly $75,000 claim that was originally denied by the insurance company. He used his legal background and expert knowledge of the insurance policy forms to argue on our behalf and get us covered!