Central Jersey Insurance Associates · prepared for Pat, Joe & Mike · Oct 7, 2026
15 commercial owners a month on your producers' calendars, in your patch and your appetite.
You told us the bottleneck is getting leads. Here's who we'd go after around Eatontown and Medford, what we'd offer each of them, what the emails would say, and how the first 90 days run.
The goal
What done looks like at day 90.
Meetings
15 qualified business owners a month booked with your producers. In your counties, inside your carriers' appetite, a need now or within 3 months.
Renewal calendar
Every renewal date we confirm along the way goes into a calendar you keep, so the owners who aren't ready today come back at the right time.
A winning segment
Reply and meeting rates per segment and per offer, so you know which accounts are worth more of your producers' time.
Your market
New Jersey businesses with 20 to 249 employees, the size that buys a real commercial package.
30,556
NJ businesses with 20 to 249 employees.
13,149
Of those, in the 7 counties around your two offices.
15 a month
What we guarantee. Under 2% of your patch a year.
| County | Office | Businesses, 20 to 249 staff |
|---|
| Middlesex | Eatontown side | 3,370 |
| Monmouth | Eatontown | 2,429 |
| Ocean | Eatontown side | 1,618 |
| Camden | Medford side | 1,677 |
| Burlington | Medford | 1,637 |
| Mercer | between both | 1,418 |
| Gloucester | Medford side | 1,000 |
Source: US Census Bureau, County Business Patterns 2022, establishments by employee size. You pick the counties; we can go statewide.
Month 1: four segments, four offers
A contractor, a property manager, a 20-person employer and a restaurant owner care about different things. So each segment gets its own offer, something useful they keep even if they never switch. Their yes to that is the meeting with your producer. You pick the two or three that fit your appetite best, and we run them side by side.
1. Trade contractors
workers' compGLcommercial auto
Who: HVAC, plumbing, electrical and landscaping companies with 10 to 99 staff. 2,277 in NJ. The trades your blog already writes for.
What they value: workers' comp is usually their biggest premium, and office staff coded at field rates quietly inflate it.
Offer: a free class-code and mod check against their last audit, sent in writing. Theirs to keep either way.
Sample email
Subject: {company} comp codes
Hi {first_name},
On a lot of {trade} payrolls in NJ, the office staff and estimators end up coded at field rates. You pay the field rate on desk payroll every year, and it's easy to miss at renewal.
I can check {company}'s class codes and mod against your last audit and send you what I find in writing. You keep it either way, even if you stay with your current agent.
Want me to take a look?
Pat
Central Jersey Insurance, {office_town}
P.S. We quote with 28 carriers, so if something's off I can show you who'd price it right.
Why it works: it names a cost they're already paying, and the yes is small. They reply, we take it from there.
2. Employers that just crossed 15 people
EPLITDI / FLIgroup benefits
Who: NJ businesses with roughly 15 to 29 employees, any industry. Census counts 41,554 NJ businesses at 10 to 19 staff and 19,692 at 20 to 49. We filter to the band from headcount data.
Why now: since July 17, 2026 the NJ Family Leave Act covers employers with 15 or more employees, down from 30 (Jackson Lewis, on the NJDOL guidance). A lot of owners are newly in scope and don't know it.
Offer: a one-page check for 15 to 30 person NJ employers. What changed, and whether their current policy responds to a leave-related claim.
Sample email
Subject: 15 employees
Hi {first_name},
Since July 17, New Jersey's Family Leave Act covers employers with 15 people. It used to be 30.
At {company}'s size, that changes what someone can claim if they aren't brought back after leave. Worth checking your EPLI against it before it comes up.
I put together a one-page check for 15 to 30 person NJ employers: what changed, and whether your policy covers it. Want me to send it over?
Pat
Central Jersey Insurance
Why it works: a dated, checkable change that hits them specifically, and a free one-pager is the lowest-friction ask there is.
3. Property managers and the associations they run
condo / HOA master policiesumbrellaD&O
Who: property management companies with 5 or more staff. 698 in NJ, and each one manages several associations, so one yes can open many accounts.
What they value: boards want proof the master policy was shopped, and that job lands on the manager.
Offer: a side-by-side renewal comparison for one of their associations, built for the board packet. They keep it even if the board renews where it is.
Sample email
Subject: board renewals
Hi {first_name},
When a master policy comes up, the board wants proof it was shopped. That usually lands on you.
I can build a side-by-side for any association you manage before its budget meeting: what it pays now, what our carriers would quote, and where the coverage differs. You keep it for the board packet, even if they renew where they are.
Want me to start with one of yours?
Pat
Central Jersey Insurance, Eatontown
Why it works: it takes a chore off the manager's desk, and the ask is one association, not their whole book.
4. Restaurants and bars with a liquor license
liquor liabilityBOPworkers' comp
Who: full-service restaurants and bars with 20 to 249 staff. 2,062 in NJ, 890 in your 7 counties.
What they value: one bad night can be uninsured. Assault and battery exclusions and low sublimits sit inside a lot of liquor policies.
Offer: a plain-English read of their liquor and GL policy before the holidays: is there an exclusion, and what would closing it cost.
Sample email
Subject: assault and battery
Hi {first_name},
A lot of NJ bar and restaurant policies carry an assault and battery exclusion, or a low sublimit, inside the liquor liability. It usually comes up after a fight in the parking lot, not before.
Before the holidays I can read {company}'s policy and tell you in plain English if you have it, and what it'd cost to close. Written, yours to keep.
Want me to take a look?
Pat
Central Jersey Insurance
Why it works: a specific, checkable gap, timed to their busiest season.
Follow-up, same thread, day 3
Hi {first_name}, easier if I just send it over? Reply with your renewal month and I'll time it right.
Pat
Every follow-up asks for the same thing as the first email. We never change the offer mid-sequence.
These are drafts. They get rewritten with you at kickoff, around the lines and carriers you want to grow. Everyone who says yes gets a call from our setter, who checks them against your rules before anything lands on your calendar.
How it runs
1. Your rules, once
Counties, carrier appetite, the smallest account worth your time, and your current book so we never book an owner you already write.
2. We email the owners
The segments above, from inboxes we set up for you. Your main domain is never touched.
3. Our setter qualifies
Everyone who says yes gets a call. Only the ones inside your territory and appetite, above your floor, with a need now or within 3 months, get booked.
4. Your producer meets them
With a brief before every meeting: the business, who you're meeting, why they agreed, confirmed needs and renewal timing.
The plan
One plan, month to month.
RECOMMENDED
Main
$4,725 / month
- 15 qualified appointments a month, guaranteed
- 12 guaranteed in month one, then 15 every month
- No-shows replaced
- Setter, market map and the CSV of your market included
- Paid upfront monthly, month to month
Start$4,725 / month
The guarantee
If we book fewer than the guarantee in a month, you get a $315 credit against next month for every appointment short. Unused credit is refunded if you cancel.
Not happy for any reason within 7 days of paying? Full refund, no questions.
Also included
- Renewal calendar of the dates we confirm
- A cross-sell campaign to your existing book, from your client list
- A win-back campaign to accounts you lost, from your list
Your appointments are never resold to another agency. What we don't promise: that the carrier quotes it, or that they leave their current broker.
What counts as qualified: in your counties and your carriers' appetite, above the premium or headcount floor you set, with a need now or within 3 months. Booked on your calendar.
Timeline
From yes to first meetings.
Day 0
Agreement signed, first month paidThe clock starts here.Day 1
Your rulesCounties, appetite, account floor, your current book, who takes the meetings and their calendars.Days 1 to 5
We map the market and pick the segmentsThe counts above turned into real lists: owner names, verified emails, per segment.Days 3 to 7
KickoffWe walk you through the segments and offers, you tell us what we got wrong about your appetite, you approve the copy.Week 2
First emails outReplies handled by us, every yes called by the setter.Weeks 2 to 4
First meetings on your calendarWith a brief before each one.Day 30 to 45
ReadoutMeeting rates per segment and offer. Cut what's losing, move the volume to what's winning.Months 2 to 3
15 a monthPlus the cross-sell and win-back campaigns on your existing book.
What we've done for other businesses
No insurance case study yet, and we won't pretend otherwise. That's why the guarantee is written down.
20 customers, 8.7x return
Executive career services. $67,800 in client revenue from the outbound program.
19 qualified meetings held
EU tender procurement software, 65,622 emails to 33,569 people.
70+ paying customers
Cold email infrastructure software, directly attributed.
And the same system booked this call with you.
Next step
- Pat, Joe and Mike pick the two or three segments that fit your appetite.
- A 20-minute call with whoever signs, to answer what's left.
- Hit Start above. The agreement follows right after, and the onboarding form lands the moment it's paid.