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Business Insurance in New Jersey

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What are the requirements for small business insurance in New Jersey?

State laws can affect which insurance policies you need for your small business. These policies are required for New Jersey businesses.
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Workers' compensation insurance

New Jersey state law requires all businesses with employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in New Jersey must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

New Jersey’s commercial auto insurance requirements are:

  • Property damage liability: $5,000 per accident
  • Bodily injury liability: $30,000 per accident / $15,000 per person
  • Uninsured motorist bodily injury: $15,000

Recommended insurance policies for small businesses in New Jersey

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small New Jersey business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in New Jersey business insurance

In New Jersey, insurance agents, agencies, and brokers are licensed by the New Jersey Department of Banking and Insurance. Insureon is licensed in New Jersey as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 1281440). Verify our licensure with the National Association of Insurance Commissioners.

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