Plaza Travel & Insurance
insurance quotes

Choosing an insurance plan is an important decision. Let us compare all the options and find the one that fits your needs best. We strive to provide clients with pertinent and economic insurance plans. Furthermore, our customer service is unrivaled, and always ready to assist you in your insurance journey.

Insurance Quote Form

good to know

Insurance can be confusing. That’s why we are here to help. If you have any direct questions no matter how simple they seem; please feel free to drop in or contact us through any medium! 

Businessman puts wooden blocks with the word FAQ (frequently asked questions)
As a business owner, your company faces different risks every day. The purpose of insurance is to help protect your business from these risks. Business insurance helps protect your business’ financial assets, intellectual and physical property from:
  • Lawsuits
  • Property damage
  • Theft
  • Vandalism
  • Loss of income
  • Employee injuries and illnesses
You can get different types of business insurance to help protect your business, including:
  • Commercial liability
  • Commercial property
  • Commercial auto
  • Workers’ compensation

Life insurance is a contract between an insurer and a policyholder. A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured policyholder dies, in exchange for the premiums paid by the policyholder during their lifetime.

The primary use of auto-insurance is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Property insurance is a broad term for a series of policies that provide either property protection coverage or liability coverage for property owners. Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in case there is damage or theft—and to a person other than the owner or renter if that person is injured on the property.


Property insurance can include a number of policies, such as homeowners insurance, renters insurance, flood insurance, and earthquake insurance. Personal property is usually covered by a homeowners or renters policy. The exception is personal property that is very high value and expensive—this is usually covered by purchasing an addition to the policy called a “rider.” If there’s a claim, the property insurance policy will either reimburse the policyholder for the actual value of the damage or the replacement cost to fix the problem.

Health insurance is a type of insurance coverage that typically pays for medical, surgical, prescription drug and sometimes dental expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages as a means of enticing quality employees, with premiums partially covered by the employer but often also deducted from employee paychecks. The cost of health insurance premiums is deductible to the payer, and the benefits received are tax-free, with certain exceptions for S Corporation Employees.

The Special Automobile Insurance Policy (SAIP) is a residual market government auto insurance plan in New Jersey that’s offered by the state to certain drivers with Medicaid.

SAIP policies are commonly referred to as “dollar a day” car insurance because coverage typically costs $365 per year.

While eligible drivers with dollar a day policies receive proof of insurance and are considered to be driving legally, SAIP insurance does not meet New Jersey’s minimum auto insurance requirements for most drivers.


The coverage provided by the Special Automobile Insurance Policy only pays for emergency treatment and the most severe of driver injuries but offers no liability coverage to pay for injuries or damages to others.

Most ongoing treatment and the cost of damages to others are the responsibility of the dollar a day insurance policyholder, meaning this policy should only be considered as a last resort.


The dollar a day policy only covers:

  • Emergency treatment, such as ER care, for the policyholder immediately after an accident.
  • Additional medical treatment for critical brain and spinal cord injuries to the SAIP policyholder are also covered. The policy limit for medical coverage is $250,000.
  • If you die in a collision, there’s a $10,000 death benefit that would be paid to your family. This is approximately the cost of a typical funeral.

The limited coverage of dollar a day car insurance policy means that it’s unlikely to offer any coverage to you as the policyholder in most accidents.

Instead, you would be responsible for the costs of:

  • Any ongoing and nonemergency treatments that don’t apply to your brain or spinal cord. You can request coverage through Medicaid, but you would have to navigate the process yourself.
  • All injuries to other parties involved in an accident where you were at fault. If another driver or injured party sues you, your SAIP insurance would not assist with any legal costs.
  • All damage to others’ property in an accident where you were at fault.
  • Any damage to your own vehicle or other property, no matter the cause.