Small businesses in New Jersey most often buy these types of insurance.
This type of business liability insurance is important for all New Jersey businesses. It covers common risks, including customer injuries. Most commercial leases require this coverage.
State law requires workers’ comp insurance for all New Jersey businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy is required for business-owned vehicles in New Jersey. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
A BOP is a cost-effective way for New Jersey small business owners to purchase commercial property insurance and general liability coverage in one plan.
This policy, also called errors and omissions insurance (E&O), protects New Jersey businesses that provide professional services or advice. It covers lawsuits related to work performance.
E&O, sometimes called professional liability insurance, is common with professional services in New Jersey. It can cover the cost of lawsuits related to your work performance.
This policy covers financial losses from data breaches and cyberattacks. It's recommended for New Jersey businesses that handle credit card numbers and other sensitive data.
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.
We're on top of your small and medium-sized business insurance needs. We'll help you find policies that protect what you've worked so hard to build. Start here.
Tell us about yourself. Questions? We've got your back. The info you share is secure. We'll double-check it and a pro with experience in your field will be in touch.
Fast? You can compare quotes from leading insurance providers in seconds and get a certificate of insurance the same day.
Always online, always on your side. Helping protect your business.
State laws can affect which business insurance coverage you need. These policies are required everywhere in New Jersey, from Trenton to Newark.
New Jersey offers basic and standard auto insurance policies. The standard plan includes a minimum of:
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to a general liability policy or a business owner's policy (BOP).
New Jersey's data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.
Yes, your state may have special requirements for business insurance and bonds for your industry. You may also need a license depending on the work you do.
Cannabis businesses in New Jersey are not required to carry cannabis business insurance in order to operate legally. However, coverage is strongly recommended to keep your business protected.
Note that cities and counties may have their own laws, in addition to state laws.
As with any purchase, shopping around is one of the best ways to find an affordable option. With Insureon, you can compare quotes from top-rated providers by filling out a free online application.
Other ways to save include bundling policies for a discount, and choosing less expensive policy options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.