New Jersey General Liability Insurance (Quotes, Cost & Coverage)

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Frequently Asked Questions About New Jersey General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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New Jersey General Liability Insurance

NJ General Liability Insurance

New Jersey General Liability Insurance. NJ general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

New Jersey general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in NJ.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by New Jersey general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your NJ business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: New Jersey general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With NJ general liability insurance, such issues are adequately handled.
  • NJ business insurance requirements, business insurance NJ cost, cheapest general liability insurance small business, commercial business insurance NJ, general liability insurance for contractors, comprehensive general liability insurance, general liability insurance NJ cost and small business insurance.

NJ General Liability Insurance Cost

The cost of your New Jersey general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

NJ General Liability Insurance By Industry

Small Business

Protect your company and employees with NJ commercial insurance. Read informative articles on New Jersey small business insurance coverages - and how they can help shield your company from legal liabilities.

Contractors and Home Improvement

Learn about New Jersey contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your NJ business from lawsuits.

Commercial Property

Read up on New Jersey commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.

Professional Services

Get informed about New Jersey professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.

Advertising, Marketing and Media

Learn about New Jersey media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.

Real Estate

Learn about New Jersey real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.

Retail

Read valuable New Jersey retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.

Health and Beauty

Learn about New Jersey health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.

Information Technology and Internet

Learn about New Jersey IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.

Food and Drink

Learn about New Jersey restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.

Medical and Dental

Discover New Jersey business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.

Manufacturing and Wholesale

Read informative articles on New Jersey manufacturing and wholesale insurance. Manufacturing and wholesale companies face many risks due to the nature of their business operations.

Education, Colleges, Universities & Schools

Learn about New Jersey commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.

Sports and Fitness

Learn about New Jersey sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.

Children and Pets

Discover what New Jersey commercial insurance policies cover for children and pet related businesses.

Miscellaneous and Non Profit

Find informative articles on commercial insurance for New Jersey miscellaneous and non-profit 501(c)(3) business insurance policies.

Arts and Recreation

Read up on New Jersey arts and recreation commercial insurance.

Commercial Auto

Learn about New Jersey commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.

New Jersey General Liability Insurance Information

NJ Commercial Insurance Articles

Read informative articles on New Jersey commercial insurance including costs and coverages.



New Jersey Economic Data & Business Insurance Requirements

If you are considering opening a business in NJ, it is important to be aware of the economic status of that location. It is also important that you are aware of the regulations related to the commercial insurance that you are required to carry.

Made In New Jersey

If you are thinking about starting a business in the State of New Jersey, keep on reading to find out some key information about the economic status of the state, as well as the rules for commercial insurance. With this information, you will be able to put your best foot forward so that you can make the best choices in the Garden State.

Economic Trends In New Jersey

Currently, New Jersey is ranked 46th in the country in terms of its economic position as compared to other state. While the economic growth may be slower in this state than in other locations, this is largely due to the high taxes. Nevertheless, there are still opportunities for entrepreneurs.

There are several industries that are expected to see growth in NJ in the 2018 calendar year. Some of these industries include:

  • Education
  • Healthcare
  • Hospitality
  • Information Technology
  • Manufacturing
  • Service Industries
  • Transportation
New Jersey Commercial Insurance Requirements

The New Jersey Department of Banking and Insurance regulates the insurance industry In NJ. Just like most states in the country, New Jersey business owners are legally required to carry workers comp insurance. If you employ any type of staff, whether it's full-time or part-time, or hourly or salaries, you must carry this type of coverage. You must also provide your employees with disability coverage in the event that they are injured or become ill on the job. Additionally, New Jersey business owners are legally required to carry commercial auto insurance if they use a vehicle to conduct any type of business.

Commercial liability insurance and commercial property insurance are not required in this state; however, it is still a wise idea for business owners to invest in these types of policies. They can offset the costs that are associated with property loss or with any lawsuits that may arise as a result of doing business.

Request a free New Jersey General Liability Insurance quote in Asbury Park, Atlantic, Bayonne, Beachwood, Bellmawr, Bergenfield, Bound Brook, Bridgeton, Camden, Carteret, Cliffside Park, Clifton, Collingswood, Dover, Dumont, East Orange, Eatontown, Edgewater, Elizabeth, Elmwood Park, Englewood, Fair Lawn, Fairview, Florham Park, Fort Lee, Franklin Lakes, Freehold, Garfield, Glassboro, Glen Rock, Gloucester, Guttenberg, Hackensack, Haddonfield, Hammonton, Harrison, Hasbrouck Heights, Hawthorne, Highland Park, Hillsdale, Hoboken, Hopatcong, Jersey, Keansburg, Kearny, Kinnelon, Lincoln Park, Linden, Lindenwold, Little Ferry, Lodi, Long Branch, Madison, Manville, Metuchen, Middlesex, Millville, Morristown, New Brunswick, New Milford, New Providence, Newark, North Arlington, North Plainfield, Oakland, Ocean, Palisades Park, Paramus, Passaic, Paterson, Perth Amboy, Phillipsburg, Pine Hill, Plainfield, Pleasantville, Point Pleasant, Pompton Lakes, Princeton, Rahway, Ramsey, Red Bank, Ridgefield Park, Ridgefield, Ridgewood, Ringwood, River Edge, Roselle Park, Roselle, Rutherford, Sayreville, Secaucus, Somers Point, Somerville, South Plainfield, South River, Summit, Tenafly, Tinton Falls, Totowa, Trenton, Union, Ventnor, Vineland, Wallington, Wanaque, West New York, Westfield, Westwood, Woodbury, Woodland Park and all other cities in NJ - The Garden State.


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New Jersey General Liability Insurance
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