Business and Commercial Insurance Services.

NJ Insurance Agency is a trusted source for affordable business insurance quotes in the State of New Jersey. When you need commercial insurance you will know where to go online 24 hours a day. We have been helping consumers since 1993. We live and work in New Jersey so we know your concerns.

Try the instant online NJ Insurance Agency business insurance quoting facility below. We look forward to saving you money on your business insurance.

New Jersey Commercial Insurance Quotes

Get free help with NJ Commercial Insurance Quotes.

I don't have any major business assets. Why do I need insurance?
Every business has some property. And, when you think about it, your business is your property. Just like your home and your automobile, your business needs to be protected from loss, damage and liability. In addition, your business is your source of income, so you need protection from the potential loss of that income.

Generally, there are two types of insurance - property and liability. Property insurance covers damage to or loss of the policyholder's property. And if somebody sued for damages caused by you or your possessions (other than a vehicle covered by your insurance policy), the cost of the suit - both defending it and settling it if necessary - would be covered by your NJ liability insurance.

Everybody seems to be suing everybody else these days. What if someone sues my business?
No business can afford to be unprepared for a lawsuit. 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.
 

Search for the most cost effective policy instantly and get coverage the same day in most cases.

Broad Range of General Liability Protection

•Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury

•Property Damage coverage for the physical damage to property of others or the loss of use of that property

•Products-Completed Operations provides liability protection (damages and legal expenses up to your policy limit) if an injury ever resulted from something your company made or service your company provided

•Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents

•Contractual Liability extends to any liability you may assume by entering into a variety of contracts

•Other coverage includes: Reasonable Use of Force;

 Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

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