New Jersey Pollution Insurance (Quotes, Cost & Coverage)

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Frequently Asked Questions About
Commercial 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 Pollution Insurance

NJ Pollution Insurance

New Jersey Pollution Insurance. With today's increased awareness of environmental issues, it is important to protect your business and those around you from the pollution risks associated with your operations. New Jersey pollution insurance covers all costs related to pollution-related claims. This includes the costs of cleaning and restoring your property and liability for injuries caused by pollution.

Pollution insurance covers property owners, construction companies and various other contractors and entities in cases of environmental pollution and the problems it can cause to persons, to properties and to the environment. NJ property owners need this insurance to protect their land, structures and other fixed facilities, while contracting companies will need contractor's pollution insurance to protect against damages and injuries that may occur during operations.

New Jersey pollution insurance protects your company from lawsuits related to pollution with rates as low as $107/mo. Get a fast quote and your certificate of insurance now.

Pollution Insurance Basics

It is important to be able to differentiate between first party coverage and third party coverage when evaluating environmental impairment liability insurance.

First-party coverage: Provides you with funding if you have a spill or contamination that needs cleanup. This might be necessary if any chemical used in your business leaks into the ground on your property. Your first-party New Jersey pollution insurance policy would fund the cleanup effort.

Third-party coverage: Protects businesses from the release of pollutants that can adversely affect others. For example, in case there was a leak at your plant and toxins were released into the air in the surrounding community requiring residents to evacuate, your third-party coverage could provide the necessary funds to pay the resulting costs and damages from lawsuits.

Major Types Of Pollution Insurance

Long-Term Pollution Insurance - Covers pollution that happens gradually over a long period of time, such as leaching out. Industries affected by long-term pollution can include gas stations, mining and factories.

Sudden & Accidental Pollution Insurance - Covers pollution happening over a brief period of time or all at once. This can refer to anything from a sudden explosion to a breakdown of holding tanks or equipment.

Contractors Pollution Liability Insurance - Contractors' pollution liability policies are designed to provide NJ contractors with coverage for bodily injuries or property damage to third parties caused by the following environmental liabilities:

  • Construction or remediation operations whether performed by you or subcontractor(s).
  • Claims alleging improper supervision of subcontractors.

Site-Specific Liability Insurance - For property not owned by a policyholder, such as a waste disposal site, site-specific New Jersey pollution insurance is available. This type of insurance can also be beneficial to companies that regularly buy and sell property as part of their business, or companies involved in a merger or acquisition.

Who Needs Pollution Insurance?

New Jersey pollution insurance isn't just for radioactive waste depositories and oil industry giants. Even the most benign business poses the risk of emitting, storing or producing hazardous waste materials. Apartment complexes, airports, farms, auto service, dry cleaners, amusement parks and prisons are just some of the businesses that need NJ pollution insurance coverage.

How Can Pollution Liability Insurance Protect My Business?

Standard business liability insurance often excludes loss caused by pollution, or only provides cover in limited circumstances. Pollution Insurance coverage can help fill this gap by covering:

  • The costs of complying with a clean-up order by a regulator.
  • On-site damage to your own property.
  • Environmental clean-up of other peoples properties.
  • Decontamination of your property following a fire, flood or storm.
  • Damage caused by contaminated run-off or escape following an on-site fire.
  • Loss or damage associated with gradual pollution events, such as groundwater contamination caused by pipeline leakage or underground storage tanks.
  • Cost of collection, transport, treatment or disposal of contaminated fire water.

Is Pollution Insurance Coverage Expensive?

The cost for New Jersey pollution insurance coverage will differ significantly from one business to the next. A business that uses a lot of hazardous chemicals will have higher premiums than one that uses only a few. Some factors that influence costs include:

  • The type of business being insured.
  • The type of chemicals and hazardous materials used.
  • The disposal method of hazardous waste.
  • The proximity of the business to residential neighborhoods.

NJ Pollution Insurance

Pollution can cause wide ranging and long lasting damages to the water, air, soil, and people around your premises. If your business handles chemicals or any other hazardous material, you might be held accountable for expensive clean up, restoration and injury costs. For that reason, you should consider getting pollution liability insurance coverage. You will not only be alleviating costs to your company, but you will also be doing your part in protecting the environment.

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.

Additional Resources For Miscellaneous & Non-Profit Insurance

Find informative articles on small business commercial insurance for miscellaneous and non-profit 501(c)(3) businesses.


Miscellaneous And Non Profit Insurance

For 501(c) Non-Profits - Directors And Officers Liability Insurance has become an increasingly important policy to have. D&O coverage protects insured directors or officers against claims involving allegations of wrongful acts occurring while performing their duties as such. The insurance is divided into two separate coverages:

Side A coverage reimburses the individual directors and officers for payments made for loss each has incurred because of wrongful acts.

Side B coverage reimburses the corporation for the payments it has made on behalf of the directors or officers themselves.

General Liability is a foundational policy for almost any business. Most companies do not have any control over the final cost of injuries to a person injured because of their operations, products, or services. The person injured may be a young child, a blue-collar worker, a surgeon, or a homeless person.

The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. Do you have sufficient assets to pay such a loss?

Commercial general liability insurance is designed to help you protect your assets with three main coverages:

  • Coverage A: Bodily Injury and Property Damage Liability
  • Coverage B: Personal and Advertising Injury Liability
  • Coverage C: Medical Payments

Request a free New Jersey Pollution 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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Pollution Insurance
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