NJ Small Business Insurance
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NJ Commercial Insurance General Topics
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
Check with your NJ Insurance Agent about the best liability protection covering all types of situations that may arise in your business.