Business / Commercial insurance helps protect your company, property, and future.
Business Insurance
Running a business comes with risk at every turn from a customer slip-and-fall to a cyberattack, an injured employee, or damage to a delivery truck. Our commercial insurance programs are built around the realities of small and mid-size businesses, with options for contractors, restaurants, retail, trucking, real estate, professional offices, and more. We shop the market with multiple A-rated carriers to find the right blend of coverage and price.
General Liability
Workers' Compensation
Commercial Property
Commercial Umbrella
Commercial Auto
Inland Marine
Directors and Officers (D&O)
Professional Liability (Errors & Omissions)
Cargo Insurance
Motor Truck Cargo Liability
Truckers' Physical Damage
Business Owner's Policy (BOP)
Cyber Liability
Employment Practices Liability (EPLI)
Liquor Liability
Garage Liability and Garagekeepers
Builder's Risk
Crime / Fidelity Bonds
Surety Bonds
Equipment Breakdown
General Liability
General Liability (GL) is the foundation of nearly every business insurance program. It protects your business when a third party suffers bodily injury, property damage, or personal/advertising injury arising from your operations, products, or premises. If a customer is hurt on-site, a delivered product causes damage, or your business is sued for libel or copyright issues in advertising, GL responds with defense costs and settlements up to the policy limits.
Workers' Compensation
Workers' Comp is required in nearly every state for businesses with employees. It pays medical expenses, lost wages, rehabilitation, and disability benefits when an employee is injured or becomes ill on the job, and shields the employer from most employee injury lawsuits. We place coverage with carriers that specialize in your industry, and assist with the NJ Assigned Risk Pool when standard markets aren't an option.
Commercial Property
Commercial Property covers the physical assets your business depends on, buildings, tenant improvements, inventory, equipment, furniture, and computers, against losses from fire, theft, vandalism, water damage, windstorms, and other covered perils. Policies can be written on a replacement-cost or actual-cash-value basis, and often include business income/extra expense coverage to keep cash flowing while you rebuild.
Commercial Umbrella
A Commercial Umbrella sits on top of your underlying GL, auto, and employer's liability policies, providing extra limits, typically $1M to $10M+, when a large claim exceeds your primary coverage. For contractors, transporters, hospitality, and any business with employees, vehicles, or significant customer interaction, an umbrella is one of the most cost-effective ways to protect against a catastrophic lawsuit.
Commercial Auto
Commercial Auto insures vehicles owned, leased, or used by your business, pickups, vans, service trucks, dump trucks, tractors, and trailers. It includes liability for injuries and property damage you cause to others, plus optional physical damage (collision and comprehensive), medical payments, uninsured/underinsured motorist, and hired/non-owned auto for employees driving on company business.
Inland Marine
Despite the name, Inland Marine has nothing to do with boats. It covers business property that moves, tools and equipment on a job site, contractor's equipment in transit, installation projects, fine art, computers and electronics, leased equipment, and goods on trucks. It fills the gap left by standard property policies, which generally cover only items at a fixed location.
Directors and Officers (D&O)
D&O Liability protects the personal assets of directors, officers, and managers, and the organization itself, when they are sued for decisions made in their leadership roles. Common claims involve breach of fiduciary duty, misrepresentation, regulatory actions, and shareholder/member disputes. It's essential for nonprofits, associations, private companies with investors, and any organization with a board.
Professional Liability (Errors & Omissions)
Also called E&O, Professional Liability covers businesses that provide advice, expertise, or professional services, accountants, consultants, real estate agents, IT firms, designers, insurance agents, healthcare professionals, and more. It defends against claims of negligence, mistakes, missed deadlines, or failure to deliver promised services that result in financial loss to a client.
Cargo Insurance
Cargo Insurance protects goods while they are being transported, by truck, rail, ocean, or air. For shippers and freight forwarders, it covers the value of the merchandise itself against loss or damage from accidents, theft, weather, or handling. Coverage can be written per shipment or as an annual open policy for ongoing operations.
Motor Truck Cargo Liability
Motor Truck Cargo Liability is specific to motor carriers and covers the trucker's legal liability for cargo lost or damaged while in their care, custody, and control. It's required by most shippers and brokers, typically with limits from $100,000 up to $1,000,000+, and can be tailored by commodity type, refrigerated goods, electronics, auto-haul, and so on.
Truckers' Physical Damage
Physical Damage coverage for truckers protects the truck itself, the tractor, trailer, and attached equipment, against losses from collision, overturn, fire, theft, vandalism, and other comprehensive perils. It's typically required by lienholders and lessors, and is structured separately from cargo and liability so each unit and trailer can be scheduled with the right value.
Business Owner's Policy (BOP)
A BOP packages General Liability and Commercial Property, and often business income and limited inland marine, into one policy designed for small and mid-size businesses. It's usually more cost-effective than buying each coverage separately and is available for office occupancies, retail, restaurants, light contractors, and many service businesses.
Cyber Liability
Cyber Liability responds when your business suffers a data breach, ransomware attack, or social-engineering fraud. It covers the costs of forensic investigation, customer notification, credit monitoring, regulatory fines, legal defense, ransom payments, and lost business income. With cyber claims rising every year, this is essential for any business that stores customer data or processes payments.
Employment Practices Liability (EPLI)
EPLI protects employers against claims brought by employees, former employees, or applicants, discrimination, harassment, wrongful termination, retaliation, and wage-and-hour issues. Even unfounded claims are expensive to defend, making EPLI a smart add-on for any business with employees.
Liquor Liability
Liquor Liability covers establishments that manufacture, sell, or serve alcohol, bars, restaurants, liquor stores, caterers, and special-event hosts, for claims arising from patrons who become intoxicated and cause harm to themselves or others. In many states, including New Jersey, host or dram-shop liability extends well beyond the standard GL policy.
Garage Liability and Garagekeepers
Designed for auto-related businesses, repair shops, body shops, dealers, and service stations, Garage Liability covers premises and operations exposures, while Garagekeepers covers customer vehicles in your care, custody, and control against fire, theft, vandalism, and collision while at your shop or being road-tested.
Builder's Risk
Builder's Risk (Course of Construction) covers buildings under construction or renovation against fire, wind, theft, vandalism, and other named or all-risk perils. It protects the property owner, general contractor, and lender during the build. Coverage typically extends to materials on site, in transit, and at temporary storage.
Crime / Fidelity Bonds
Crime insurance covers losses from employee theft, forgery, computer fraud, funds transfer fraud, and other dishonest acts. Fidelity bonds are commonly required for businesses that handle client funds or valuable inventory, and for nonprofits that handle donations.
Surety Bonds
Surety bonds guarantee performance of an obligation, license and permit bonds for contractors and businesses, performance and payment bonds on construction projects, court bonds, and fiduciary bonds. They are not insurance for the bonded party; they protect the obligee, with the principal ultimately responsible for any loss.
Equipment Breakdown
Equipment Breakdown (formerly Boiler & Machinery) covers sudden mechanical or electrical failure of HVAC systems, refrigeration, computers and servers, production machinery, and boilers, perils that are excluded from standard property policies. It pays repair, replacement, spoilage, and business income costs.