Insuring your business in New Jersey
Use our real time commercial insurance search portal resources to make sure that your business is properly insured today.
If you own your own New Jersey business or are a partner in one, you're probably already familiar with risk. Few things in life are riskier than starting and running your own business. Part of the risk of any small business is the loss of critical tools and property or liability to others. Either of which can cause loss of income or even force you to close your doors. A Large New Jersey companies employ full-time risk managers to keep their risk-taking to a minimum. But chances are that as a smaller NJ business operator, you are your company's risk manager, along with its personnel director, office manager, and possibly the entire staff all rolled into one. While juggling all the jobs that need to get done to make your New Jersey business a smooth running and profitable operation, you may already be asking yourself, "Who has enough time to think about insurance?" You do! Keeping risks and losses to a minimum is an important part of business success in NJ, especially for smaller, newer businesses. Take a few minutes now to check your risk factors, find out your insurance needs and learn the many options available to you. And remember choosing the right agent is as important as choosing the right insurance.
NJ Commercial Insurance General Topics
NJ Commercial Property and Casualty NJ Property Fiduciary Liability NJ General Liability Kidnap and Ransom NJ Workers Compensation Loss of Income NJ Builders Risk NJ Directors and Officers Liability Computer Equipment NJ Umbrella Crime NJ Professional Liability Inland Marine NJ Employment Practices Liability NJ Errors and Omissions Contractors Equipment NJ Intellectual Property Surety Bonds NJ Group NJ Employee Benefits NJ Group Health Disability, NJ Long-Term and Short-Term NJ Group Dental Health Savings Accounts NJ Group Vision Medical Savings Accounts NJ Life 401(k) Plans NJ Long-Term Care
And finally, some basic facts
Commercial property insurance helps businesses pay to repair or replace buildings, associated structures, and contents damaged by fire, storms, theft, and other events outlined in the policy. This web site provides general information about the kinds of commercial property coverage that are or may be. It can help you evaluate different commercial property policies, understand how rates are determined, and ask the right questions when shopping for insurance. You should review your policy carefully to understand your specific coverage. No business can afford to be unprepared for a lawsuit. New Jersey Liability insurance protects your business assets when the business is sued for something the business did (or failed to do) that contributed to injury or property damage to someone else. Liability coverage extends not only to paying damages but also to the attorneys' fees and other costs involved in defending against the lawsuit - whether valid or not. The standard business owners policy provides liability coverage, as does a separate policy known as a commercial general liability (CGL) insurance policy. Generally, commercial liability insurance, whether purchased in a separate policy or as part of a standard business owners policy, will cover bodily injury, property damage, personal injury or advertising injury. The medical expenses of a person or persons (other than employees) injured at the business or as a direct result of the operations of the business are also covered. Usually excluded from both types of liability insurance policies are suits by customers against a business for nonperformance of a contract and by employees charging wrongful termination or racial or gender discrimination or harassment. Check with your NJ Insurance Agent about the best liability protection covering all types of situations that may arise in your business.