Boyarin Hourigan Blundell Insurance Agency, located in Toms River, N.J., provides insurance programs for a wide variety of businesses. Special programs are available with pricing and coverage tailored for various sectors of business, such as contractors, wholesalers, retailers, offices, restaurants, florists, auto repair garages, quick lube establishments, muffler shops and brake shops. BHB also offers a full-line of coverage including package policies, worker's compensation, commercial vehicle coverage and umbrella liability. Personal property is covered against windstorm and hail, vandalism, fire and lightning, damage by vehicle or aircraft, plumbing system malfunctions, damage from falling objects, theft, damage caused by ice and smoke. In addition, coverage is provided for personal liability and third-party and property damage expenses.