Our agents at the TAS Insurance Agency serving the Phillipsburg, NJ area know how hard you have worked to open your own business. This is the reason they want to help ensure that your business is covered by the proper amount of commercial insurance.
Do You Need Commercial Insurance for Your New Jersey Business?
All New Jersey businesses that have one or more employees are required to have a workers’ compensation insurance policy in place, or they can be approved for self-insurance. This type of insurance will help pay the wages and medical bills of employees who are injured on the job.
All vehicles owned by your business or personal vehicles used for business purposes must have a commercial liability auto insurance policy in place. This will help pay for any injuries or property damage that may occur if you or own of your employees is involved in an accident.
Commercial Liability Insurance
Commercial liability insurance is very important to have when you own a business. This is because it will protect your interest in your business if someone is injured while visiting your business or because of your business. For example, if someone slips and falls in your store, this type of policy will help pay for their medical bills and can help you out if litigation occurs in court. Another example would be if you own a tree trimming business and a branch falls on someone’s vehicle. This type of insurance would help pay for the damages to their car, truck, or SUV.
Commercial Property Insurance
This type of insurance is important to protect not only the building that your business is housed in but your inventory as well. If your business or inventory is damaged or destroyed by a fire, vandalism, or a natural disaster, this part of your commercial insurance policy will help you rebuild and get your business back on track. This will also help you replace any inventory that’s been lost to one of these events or because of theft so that you can protect your livelihood.
Call for a Quote!
Call our agents at the TAS Insurance Agency serving the Phillipsburg, NJ area today to get your policy started and protect your business!