New Jersey General Liability Insurance Policy Information
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.
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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.
- Business General Liability
- Business Liability NJ
- Business Owners Policy (BOP)
- Certificate of Insurance
- CGL
- Comprehensive General Liability
- Directors and Officers Liability
- Employers Liability
- Employment Practices Liability
- General Liability
- Home Based Business
- Independent Contractor
- Liability Insurance Certificate
- Liability Insurance New Jersey
- LLC
- Professional Liability
- Self-Employed
- Small Business
- Umbrella
Construction Contractors
Learn about New Jersey construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your NJ construction business from lawsuits.
- Cement Contractors
- Concrete Contractors
- Construction Contractors
- Demolition Contractors
- Excavation Contractor
- Foundation Layers
- Framing Contractor
- Masonry Contractor
- Mechanical Contractors
- Millwright Contractors
- Paving Contractors
- Roofing Contractor
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.
- Air Conditioning Systems Installation Repair
- Blacksmith & Metal Workers
- Builders Risk
- Building Cleaning & Maintenance Services
- Cable And Satellite TV Installer
- Carpenters
- Chimney Sweep
- Contractor Liability
- Curtain Cleaners
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Garage Door Installer And Repair
- Glass Contractor
- Glazier
- Handyman
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Landscaping
- Lawn Care
- Locksmith
- Painters
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Plumbing
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation And Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Subcontractor
- Swimming Pool Contractor
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
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.
- Apartment Building
- Business Interruption
- Commercial Flood
- Commercial Property
- Condo Association
- Equipment Breakdown Protection
- Homeowners Association
- Inland Marine
- Manufacturing And Mercantile Rental Property
- Mobile Home Park
- Non-Residential Building Operators
- Office Buildings
- Property
- Self-Storage
- Shopping Center & Strip Mall
- Vacant Land
- Vacant Property
- Warehouse
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.
- Accounting
- Answering Service
- Architects
- Attorney Lawyer
- Auditor
- Bookkeeping
- Business Consulting
- Corporate Wellness
- Court Reporter
- Debt Collection Agency
- Detective Agency
- Draftsman
- Electrical Engineering
- Engineering
- Environmental Consultant
- Executive, Career & Life Coaching
- Executive Search Firm
- Expert Witness
- Financial Planner
- Financial Services
- HR Consultant
- Interpreter
- Mediator - Arbitrator
- Medical Billing
- Music, Drama & Dance Therapy
- Project Management
- Surveyor
- Temporary Staffing
- Tax Preparer
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.
- Advertising Agency
- Call Center
- Graphic Designers
- Market Research Firm
- Marketing Consultant
- Public Relations
- Search Engine Services SEO
- Social Media Consultant
Real Estate
Learn about New Jersey real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.
- Corporate Office
- Home Inspection
- Mortgage Broker
- Property Manager
- Real Estate Agents
- Real Estate Appraiser
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.
- Adult Novelty
- Appliance & Electronics Store
- Art Gallery
- Auto Service Repair
- Auto Supply Parts Store
- Bicycle Shop
- Book Store
- Bridal Shop
- Candy Confectionery Store
- Car Wash
- Carpet Store
- Clothing Store
- Collectibles Memorabilia Store
- Convenience Store
- Cosmetics Store
- Dry Cleaning
- Equipment Rental
- Florist
- Funeral Home
- Furniture Store
- Gas Station
- Gift Store
- Hardware Store
- Home Improvement Store
- Hotel Motel
- Ice Cream Shop
- Jewelry Store
- Lingerie Store
- Luggage Store
- Medical Marijuana Dispensary
- Music Store
- Newsstand
- Office Supply Store
- Paint & Wallpaper Store
- Pet Store
- Pharmacy Liability
- Plumbing Supplies Fixtures Store
- Scrap Metal Dealers
- Sewing Store
- Shoe Store
- Sporting Goods Store
- Stationary Store
- Thrift Store
- Ticket Agency
- Tobacco Store
- Toy Store
- Travel Agency
- Vape
- Wig Store
Auto Service and Repair
Read about Washington auto service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.
- Auto Detailing & Mobile Car Wash
- Auto Service Repair
- Auto Supply Parts Store
- Car Wash
- Gas Station
- Parking Lot
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.
- Acupuncture
- Barber Hair Dresser
- Beauty Salon
- Chiropractic
- Cosmetology
- Day Spa
- Diet Nutrition Services
- Esthetician
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Tattoo
- Weight Loss Center
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.
- Application Development
- Computer Electronic Repair
- Computer Programming
- Computer System / Network Developer
- Cyber Liability
- Data Breach
- eCommerce
- Internet Business
- IT Consultant
- Online Store
- Software Developer
- Technology Services
- Website Design
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.
- Bagel Shop
- Bakery
- Bar
- Beer Distributor
- Brewery
- Catering
- Coffee Shop
- Concession Stand
- Delicatessen
- Farmers Market
- Grocery Store
- Liquor Liability
- Liquor Store
- Liquor Wholesalers
- Nightclub
- Pizzeria
- Restaurant
- Winery
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.
- Ambulatory Surgical Center
- Art Therapy
- Assisted Living Facilities
- Audiology
- Dental Lab
- Dental Office
- Diagnostic Imaging Centers
- Healthcare Facilities
- Home Medical Equipment Dealers
- Hypnosis
- Malpractice
- Marriage & Family Therapy
- Medical Laboratories
- Medical Marijuana Dispensary
- Medical Practice
- Mental Health Counseling
- Occupational Therapy
- Ophthalmologist
- Optician
- Optometrist
- Physicians Office
- Podiatrists
- Psychiatrists
- Psychology
- Skilled Nursing Facilities
- Speech Therapy
- Substance Abuse Counseling
- Veterinarian
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.
- CBD Oil And Hemp
- Canned Fruit & Vegetable Manufacturers
- Machine Shop
- Manufacturing
- Product Liability
- Publishers
- Wholesaler Distributor
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.
- Charter School
- Colleges, Universities & Professional Schools
- Language School
- Educational Services
- Tutoring
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
Find informative articles on miscellaneous NJ businesses including the types of commercial insurance they need, costs and other considerations.
- Adult Daycare
- Agriculture, Forestry, Fishing & Hunting
- Bail Agent
- Camp
- Cemetery
- Control of Well
- Employment / Staffing Agency
- Engraving Business
- Facility Support Services
- Mail Order
- Oil And Gas Lease
- Parking Lot
- Personal Concierge
- Photofinishing Lab
- Pollution
- Portable Sanitation
- Private Water Districts
- Process Server
- RV Parks & Campgrounds
- Taxidermy
- Unmanned Aerial Vehicles (UAV) Drone
- Waste Disposal Landfill
- Wedding Planner
Non-Profit
Find useful articles on business insurance for New Jersey non-profit 501(c)(3) organizations, charities and associations.
- Animal Shelter & Pet Rescue
- Charity
- Church
- Credit Union
- Fraternal Organization
- Labor Union
- Nonprofit
- Parent Teacher Organization
- Public Administration
- Social Work Services
Arts and Recreation
Read up on New Jersey arts and recreation commercial insurance.
Agribusiness
Learn about NJ agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.
Commercial Auto
Learn about New Jersey commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.
- Big Rig Truck
- Bobtail Non-Trucking Liability
- Commercial Auto
- Commercial Van
- Dump Truck
- Food Truck
- Freight Forwarder
- Non-Owned and Hired Auto Liability
- Owner Operator
- Pizza Delivery
- Tow Truck
- Truck
New Jersey General Liability Insurance Information
NJ Commercial Insurance Articles
Read informative articles on New Jersey commercial insurance including costs and coverages.
- Best Business Insurance
- Cheap Small Business Insurance
- Commercial Insurance Brokers
- Commercial Insurance Quotes
- Commercial Liability Insurance Quotes
- General Liability Insurance Cost
- Liability Insurance Quotes
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.
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 2019 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.
Also learn about New Jersey small business insurance requirements for general liability, business property, commercial auto & workers compensation including NJ business insurance costs. Call us (609) 277-2744.
