Most business owners haven't had their policy reviewed since they bought it. We do a full coverage audit before we recommend anything — then shop multiple carriers to make sure you're protected and not overpaying.
A local advisor will call you — usually within the hour.
A local NJ advisor will review your request and call you — usually within the hour during business hours.
Sound Familiar?
Commercial insurance problems rarely show up until the worst possible moment. Here’s what we see most often.
Your business has grown and changed. Your policy probably hasn’t. That gap can be expensive.
The wrong time to find out your BOP doesn’t cover your situation is when you’re filing a claim.
You bought coverage, got a certificate, and never heard from them again. That’s not an advisor relationship.
Business Owners Policies have exclusions most owners don’t read until it’s too late.
Renewal comes around, premium goes up, and nobody explains why or shops alternatives for you.
Vague policy language, missing endorsements, and lapses in coverage are problems you need found now, not later.
What We Cover
From a two-person shop to a 250-person operation — we place and manage commercial coverage across every major line.
Why Heits Benefits Group
Dave Heitner didn’t start in insurance. He started as an employer — managing commercial coverage for a 250-employee franchise operation for over two decades. That background shapes every client conversation.
We read what you have, identify gaps and redundancies, and tell you exactly what we find — whether we end up placing the policy or not.
Dave ran a 250-employee operation for 23 years, named to the Inc. 5000 Fastest Growing Franchises in 2009. He has filed claims, managed renewals, and knows what coverage gaps actually cost.
No handoffs. No call centers. One local advisor who knows your business handles all your commercial coverage — liability, property, workers comp, and beyond.
We work with multiple carriers and present options side by side. The right policy for your business, not the one with the best commission.
Based in Bergen County, NJ. We serve businesses in Bergen, Passaic, Essex, and Hudson County. No 1-800 numbers. A real person who picks up the phone.
We review your policy at every renewal, check for rate increases, and proactively reach out — not just when it’s time to collect a premium.
Client Feedback
“Dave took the time to actually review what we had and walked us through where we were exposed. We switched carriers, got better coverage, and came out paying less at renewal. He actually knows what he’s talking about because he’s been an employer himself.”
“Most brokers send a quote and disappear. Dave is responsive, explains the differences between policies in plain language, and has stayed in touch through every renewal. That’s hard to find.”