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NJ Business Insurance

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New Jersey Small Business Insurance

The Garden State is a good place to grow a small business. In New Jersey, Hiscox provides small business insurance coverage that is customized to your specific business needs.

 

Hiscox provides New Jersey business insurance across the state. Our products have been approved by the NJ Department of Banking and Insurance regulators and are underwritten by Hiscox Insurance Company Inc., an Illinois insurance company.

 

New Jersey Professional liability insurance/Errors and omissions insurance

 

Mistakes do happen; and even if you are not at fault, a dissatisfied client can file a lawsuit against you. To make sure you are suitably protected, you should seriously consider making professional liability insurance also known as errors and omissions insurance part of your NJ business insurance. Some examples of what could be covered are below:

 

  • Dissatisfied client: A marketing consultant is contracted to create a major campaign for a client. The client continues to change the scope of work and the consultant misses the deadline for the campaign to go live. The client sues. A professional liability policy could protect the consultant, even if no mistake was made.
  • Negligence: A human resources consultant is hired to update a company’s employment practices. Six months later, the client calls to say a part-time employee is suing the company because a key provision for the number of hours part-timers can work was omitted from the employee manual. The client makes a claim against the consultant, contending they were responsible for the mistake. The consultants professional liability policy could protect them, including defense costs.

 

Learn more about professional liability insurance coverage in New Jersey and how it can protect your business.

 

New Jersey General Liability insurance

Third-party claims arising from bodily injury (e.g., slips and falls) and related medical costs, personal injury (e.g., libel or slander) and damage to property can be financially damaging to your company. Protect your business by making general liability insurance a part of your New Jersey small business insurance policy. Some examples of what could be covered are below:

 

  • Bodily Injury: A customer trips and falls when entering a hair salon and breaks their wrist. The client sues the hair salon owner for lost wages. General liability insurance could cover the subsequent claim and related medical expenses.
  • Personal Injury: A personal trainer is overheard talking about one of his client’s at lunch in a false and unflattering way. Word gets back to the client, who then sues for slander. The personal trainer’s general liability policy could cover defense costs.
  • Damage to Property: A photographer is contracted to take pictures for a marketing firm’s portfolio. While the photographer is uploading the photos to the server she accidentally knocks over a bottle of water on the firm’s server. The machine is damaged beyond repair and valuable data is lost. The photographer’s general liability insurance policy could cover the cost to replace the server and recover the data.

 

Find out more about general liability insurance coverage in New Jersey.

New Jersey Business Owner insurance

Also known as a business owner's policy or BOP insurance, this combines general liability coverage with protection for your business equipment, such as computers, printers, copiers and office furniture.
Some examples of what could be covered are below:

  • Office insurance for fire and business interruption
  • Electronic data loss insurance
  • Hired or non-owned vehicle liability insurance
  • Commercial Crime insurance to cover the dishonesty of your employees

 

Visit our business owners insurance pages to learn more.

 

To learn more about Hiscox and the benefits of our small business insurance offerings, please visit our Why Choose Hiscox Insurance page today.

 

Get a fast, free quote now and get that Hiscox confidence behind your business too. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm EST.

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and may not be available in all states. 

Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and Washington, D.C. 520 Madison Avenue, 32nd Floor, New York, NY 10022.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!

866-283-7545

Mon-Fri: 8am - 10pm EST