Businesses of all sizes from small to large need insurance to protect themselves and others. Consider a few of the basic types of business insurance in New Jersey and Livingston to determine if your company has the coverage it needs.
Liability Insurance for Businesses
Liability insurance protects your company in the event it is sued due to possible acts of negligence. SIA is here to help you find the best business liablility insurance in New Jersey and Livingston
Property Insurance for Businesses
Having property insurance protects against damage or loss of your business location and its contents. It may also insure the property of others during a loss.The terms of property insurance are well-defined and may only cover a certain circumstance, such as fire. We can help you find the right business insurance in New Jersey and Livingston for your budget and needs.
Casualty Insurance for Businesses
In many instances, casualty insurance is purchased with property insurance. Casualty insurance covers against damage or loss to the business itself.
Workers’ Compensation Insurance for Businesses in New Jersey
Each state has different requirements regarding Workers’ Compensation insurance and most require some type of policy must be in place. Employees cannot sue the employer for injuries. Rather, the employer is part of a system that automatically pays employees’ medical bills and damages in the event of injuries on the job.
Commercial Auto Insurance for Businesses
Personal automobile insurance does not cover vehicles used by a business. Commercial auto insurance covers your business if the vehicles cause property damage or personal injury.
Health Insurance for Businesses
Most businesses offer some type of health insurance policy for their workers. It provides health coverage benefits for employees. Some companies ask employees to pay into the cost of health insurance and others foot the bill themselves.
Life and Disability Business Insurance
This type of business insurance is used to protect a business in the event a key partner or employee dies or becomes disabled.
There are also other types of business liability and workers comp insurance in New Jersey and Livingston, such as coverage in the event company operations are interrupted in certain circumstances.
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