Business Insurance in NJ

We work with you to design a customized program of insurance and risk management to fit your company’s unique needs.

The critical factor is that this program should meet your philosophy of risk, not ours. We offer coverage at highly competitive prices from the region’s top-rated underwriters. We specialize in the insurance needs of small to medium family and closely held businesses over a broad spectrum of industries

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What are your options when purchasing Commercial Insurance?

Commercial General Liability Insurance

Liability coverage protects against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

Property Insurance

Property insurance can protect your commercial operations

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.

Commercial Auto

Even if you don't operate a fleet, consider commercial auto insurance for any vehicles used for business operations

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships.

Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

Workers' Compensation

Workers' Comp is required by law, but not all policies are the same

Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers’ Compensation provides for the payment of four types of benefits:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

A representative can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Other business policies we offer include:

Contractors & Builders Risk
Garages & Repair Centers
Wholesale and Distribution
Building Owners – for rent to others
Fitness Centers and Sports Training Facilities
Teams, Leagues and Sports Organizations

Professional Offices
Medical Coverage – typically on an excess basis
Abuse and Molestation Coverage
Directors & Officers Coverage
Coverage for your property and equipment
Accident Coverage for employees/volunteers
Waiver and Release Forms

Contact us today for more information about Business Insurance.

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