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Business Insurance
Whether you run a storefront on Main Street or a contracting business from home, the right business policy keeps one bad day from closing your doors.
What New Jersey residents should know
- New Jersey requires nearly every employer with one or more employees to carry Workers' Compensation insurance — including part-time workers.
- Many NJ municipalities and landlords require proof of General Liability before issuing permits or signing a lease.
- Licensed NJ home improvement contractors must carry commercial general liability coverage to register with the Division of Consumer Affairs.
- A Business Owner's Policy (BOP) often bundles property and liability for small businesses at a lower cost.
Common coverages
- • General liability
- • Commercial property
- • Workers' compensation
- • Business interruption
- • Professional liability
- • Cyber liability
Craig's tip
Review your coverage whenever you add employees, equipment, or a new location.
This is general information, not legal advice. Requirements change — call us to confirm what applies to you.
Let's talk about what matters to you.
Friendly, no-pressure advice from a local agent who knows New Jersey.