Preventing Hazards in Residential Construction | Homeowners, contractors, and workers are injured every year in residential construction projects. Construction businesses should be clear on their responsibilities and protection standards by obtaining residential construction insurance, as well an...

Read More
Learn more

The Types of Life Insurance, and When They’re Right for You | Shopping around for a life insurance policy can be confusing, especially when you start looking at all of the different types of policy options that are available. Buying the wrong type of life insurance can actually be detrimental, an...

Read More
Learn more

What to Do When Construction Equipment Fails on the Job | When construction equipment fails, the whole project can come to a complete stop. If the equipment is being used across multiple projects and worksites the financial strain can be devastating. Even worse, an extended equipment failure can ...

Read More
Learn more

The Greatest Safety Concerns That Customers Have When Renting Limos | Riding in a limousine can be a comfortable, care-free and convenient means of transportation for both business and pleasure purposes. However, renting a limo means putting your safety and the safety of others in the hands of a ...

Read More
Learn more

Since the surge of major natural disasters, such as Hurricane Sandy, the horror stories accompanying shady contractors have increased. Therefore, New Jersey homeowners are weary and understandably cautious of who they hire. As a contractor, it’s essential that you are able to reaffirm trust with ...

Read More
Learn more

As a construction professional, you have years of experience in the field. That experience and industry know-how is a great opportunity to start a blog. When you blog, you establish yourself as an expert in your field. Which gives you and your construction firm credibility. Here are a few tips on...

Read More
Learn more

Large machinery, heavy equipment, constantly changing work site; the construction industry is understandably, dangerous. This reason alone should motivate those in the New Jersey construction industry to create and implement a safety management plan that promotes a positive safety culture in the ...

Read More
Learn more

New Jersey commercial and residential realtors meet with a lot of different clients at various properties. Their busy schedule means they are constantly traveling to new terrain and properties and constantly meeting people for the first time.

Learn more

Construction, at first glance, doesn’t necessarily seem to be the best fit for social media. It’s a medium better suited for celebrity news and the latest restaurant than the newest construction trend. But social media can have huge benefits for contractors.

Learn more


Insurance Services

  • Builders Risk Insurance

    If you’re in the construction industry – whether you are a small residential contractor or a large commercial construction firm – you need the coverage provided by a builders risk policy. A builders risk policy is designed to protect your operation during the course of construction, and we at Tri-State Insurance Agency can provide you with the policy you need. We’ve been helping builders with their insurance programs for more than 60 years.
  • Business Auto

    At Tri-State Insurance Agency, we’ll evaluate your operation’s commercial auto use and see what your risks and the extent of your needs are to determine the type of business auto insurance you require for proper protection. Whether you own company vehicles that are used for business purposes or not, you still have a liability risk. You may send employees on errands, to trade shows or on travel, possibly even paying for rental cars, vans or trucks. If your employees are on business in their own cars and cause an accident, your business can be held responsible for the costs associated with injuries and property damage. We can provide basic liability limits, extended limits of liability coverage and commercial umbrella insurance where needed. Your business auto policy can cover medical payments costs, lost income, legal defense bills, settlements and other expenses associated with covered claims.
  • Business Owners Policy

    As a small to mid-size company, you may be able to streamline your insurance coverage with a Business Owners Policy (BOP) from Tri-State Insurance Agency. As specialists in analyzing business risk and recommending the best course of action for you, we can provide you with options that best fit your specific operation, including bundling together a group of standard coverages. For more than 60 years, businesses throughout the major counties of Pennsylvania, northern New Jersey and neighboring New York have been leveraging our knowledge and experience. Moreover, our high client retention rate is a testament to our personalized approach to all our customers.
  • Commercial Package Policy

    With business growth and expansion comes the need to protect additional assets, perhaps even property and employees, as well as more complex insurance issues. To address complex and additional exposures, a Commercial Package Policy (CPP) is often a way to tailor coordinated insurance coverage in a competitive fashion. Tri-State Insurance Agency provides businesses throughout Pennsylvania, northern New Jersey and New York with Commercial Package Policies, which include a combination of general liability and business property insurance along with business auto, equipment breakdown, crime, inland marine, business interruption extra expense, and some other liability insurance.Additional protection can be added to the package including coverage for costs of debris removal, damage to outdoor property and signs, sewage/drain backup, and other damaging events.
  • Cyber Liability

    Data breaches, network security, identify theft and other privacy issues make headline news every day. What’s more, these exposures are not exclusive to behemoth corporations or government agencies. Today, it’s rare to find a company without some level of cyber liability risk. The insurance industry has responded by addressing this emerging risk with various types of cyber liability insurance coverages. We at Tri-State Insurance Agency have also responded, partnering with various top insurers that provide the latest in protection for businesses just like yours.
  • Directors and officers liability (D&O) insurance

    Executive liability is a threat for corporations, large and small. In addition to potentially huge litigation damages, expenses and distractions, fear of exposures can inhibit decision-making and result in the loss of significant business opportunities. At Tri-State Insurance Agency, we understand the importance of protecting your company’s leadership and assets from expensive legal claims.Directors and officers liability (D&O) insurance is designed to step in to protect the assets of individuals and companies when liability claims surface. Policies are available for private and public companies as well as non-profits and associations. They typically cover legal fees, financial settlements, and damage awards. Some policies will also cover some civil penalties and expenses related to regulatory or legal investigations.
  • Employment Practices Liability Insurance

    Employment practices claims have risen over the past decade for several reasons, including a stepped-up proactive approach by the U.S. Equal Employment Opportunity Commission (EEOC) to investigate allegations of discrimination, sexual harassment and other violations in the workplace. What’s more, small and midsize companies are increasingly the targets of these allegations and investigations, with these types of claims very expensive to defend against, even if unfounded. And, if your business is found in violation of the law the penalties can be significant.
  • Commercial General Liability Insurance

    A Commercial General Liability insurance (CGL) policy covers the standard liability risks businesses face. It insures your business for injuries to visitors or other third parties (not your employees) or damage to their property caused by the company’s operations. It also helps with legal defense costs and will pay settlements and damages as outlined in the policy. Slips and falls or other injuries individuals sustain when visiting your business are typical exposures covered by the CGL. Tri-State Insurance Agency, depending on your needs, can provide this coverage as part of your Business Owners Policy (BOP) or Commercial Property Policy (CPP).
  • Homeowner's Insurance

    One of the most intrinsic protections that one can purchase is homeowners insurance, which offers a wide range of coverage that extends to your home, its contents, and your financial assets as well. Because this insurance comes in all shapes and sizes, a policy must be tailored to fit the individual’s circumstances. We take into careful consideration all the pertinent aspects of the structure itself, yet also examine your lifestyle, your tolerance for risk, your wealth, even your family structure. What emerges is a clear picture of the policy that is best for you, offering the most comprehensive protection at a competitive price.
  • Umbrella Insurance

    Contrary to some beliefs, umbrella insurance isn’t only for those in the highest income brackets. In fact, this coverage is often employed by savvy clients who utilize it as a financial safety tool for its ability to shield assets via an extension of liability protection.Allow the professionals at Tri-State Insurance Agency to show you how you can put an umbrella policy to work for you. We’ll perform a detailed review of all your assets—including savings, investments, real estate holdings, real and liquid assets, other items of value, and insurance, to develop a clear picture of your financial profile. We then examine your financial goals, and establish how well they align with the factors that present a risk to your financial health, such as spending habits, general lifestyle, family commitments, location, reputation, or various other elements that could enhance or detract from the potential growth of your financial portfolio.


2 months ago
I have used this agency for my home insurance, auto and our RV insurance for many years. My agent Kathy has always been there for us to answer any questions we may have had in regard to our insurance policies. Any claims that we have had were handled promptly and without any hassle. We also recommended this agency to our family and friends and will continue to do so. Thank you Kathy for all of your hard work. We truly enjoy working with you.
- Maria P
2 years ago
I had a great experience with Tri-State with my auto and renters insurance. They were so helpful and understanding. I have no knowledge of insurance and they explain everything so I would understand and gave me difference scenarios and examples so everything would make sense. I will always be grateful for the extra time they spent because I now feel fully cover if something ever happens to my apartment or car.
- Dawn M
2 years ago
Tri-State provided excellent service! While shopping for auto insurance, I contacted a lot of online companies but they were all unable to answer any questions. I'm a careful shopper so I like to have the knowledge before I buy. I contacted Tri-State and the representative took the time to explain the coverages to me (which no one ever did before!). She made suggestions but gave me the info I needed to make a decision that fit me. I will never leave Tri-State as I feel they offer a valuable service that other agents don't.
- Pati M

Welcome to SB One Insurance Agency

For more than 60 years, SB One Insurance Agency, previously known as Tri-State Insurance Agency, has served the businesses and residents of New Jersey, New York and Pennsylvania. We are a wholly owned subsidiary of SB One Bank, the region’s premier banking institution. We represent more than 20 of the country’s most respected and highly rated regional and national carriers licensed to write insurance in 37 states. Our long-standing reputation with these carriers often allows us to negotiate competitive rates with broad coverage on your behalf. Even more importantly, if you do experience a loss, you can rely on SB One’s responsiveness to prepare, process and expedite payment of your claim.

Our portfolio of business, personal and employee benefit insurance products includes, but is not limited to:

  • Commercial General Liability
  • Commercial Property
  • Business Interruption
  • Business Auto “SB One Car Insurance”
  • Management Liability (including Directors & Officers Liability, Employment Practices)
  • Professional Liability
  • Flood Insurance
  • Workers Compensation
  • Specialty Industries (Construction, Real Estate, Manufacturing, Transportation, Wholesalers)
  • Personal Lines — Auto, Homeowners, Umbrella, High-Value Home, Boat, etc.
  • Employee Benefits — Consumer-Driven Health Plans, Group Dental, Disability, Health, Vision, Voluntary Benefits

We can also assist you with your risk management strategies to help you address exposures and stem losses in the workplace and at home.

Contact Us


Call now
  • (888) 990-0526


Get directions
96 U.S. 206
Augusta, NJ 07822
United States

Business Hours

Mon:8:30 AM – 5:00 PM
Tue:8:30 AM – 5:00 PM
Wed:8:30 AM – 5:00 PM
Thu:8:30 AM – 5:00 PM
Fri:8:30 AM – 5:00 PM
Contact Us
Message sent. We'll get back to you soon.