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NEW JERSEY BUSINESS INSURANCE

If you do business in New Jersey, Selective and your independent agent can help you protect your livelihood with a customized insurance policy.

New Jersey’s diverse economy is home to small businesses, middle-market companies, and large corporations in industries like technology, manufacturing, construction, and real estate.

Whether you own or manage a business in NJ, Selective and our independent agency partners can help you tailor a commercial insurance policy to meet your needs.

Find a local New Jersey insurance agent today to learn more about your coverage options and to get a quote.

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BUSINESSES WE INSURE IN NEW JERSEY

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve New Jersey businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), metal erection, excavation and grading, heating and air, lawn and landscape, electrical, street and road, and more

• Manufacturers and Wholesalers – electronics and electrical equipment, rubber and plastics, industrial machinery, wholesale durables, furniture and fixtures, beer and ale distributors, and more

• Professional Offices – law firms, medical offices, real estate agencies, architects and engineers, accounting firms

• Mercantile Services – funeral homes, retail food, retail goods, public golf courses, liquor stores, nurseries and garden supplies

• Auto Services – including repair shops and body shops

• Private Schools

• Senior Living Facilities

• Consumer Assistance Programs – religious organizations, municipalities, fire departments

Don't see your profession or want more information? Find a local independent agent in New Jersey for answers and a business insurance quote.

PROTECT YOUR NEW JERSEY BUSINESS WITH INSURANCE FROM SELECTIVE

While no one knows your business like you do, Selective and your independent agent can help you mitigate your unique risks with a personalized commercial insurance solution built around three essential coverages:

Business Interruption

Business interruption insurance can help protect your company against income loss in the event of a covered incident that forces you to suspend business operations. This type of insurance can also assist with rent or lease payments, relocation costs, employee wages, taxes, and loan payments until your business can reopen.

Business interruption insurance does not usually cover damages or losses from flooding, earthquakes, mudslides, and other natural disasters. You can, however, purchase additional coverage to help protect against these risks.

Business liability insurance in New Jersey can help protect your company from liability claims, including allegations of third-party property damage, bodily injury, false arrest, reputational damage, and more. In addition to providing financial protection, commercial general liability insurance may help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Commercial property insurance can help protect your physical assets, including furniture, inventory, and business equipment. It may also pay for repair or replacement costs in the event of losses due to fires, vandalism, or other covered risks that may cause structural damage to your insured building or its contents.

Ensuring the safety and security of your assets is crucial for any company, as is keeping your business running after a loss, so talk to your independent agent about New Jersey business insurance from Selective.

"We have experienced nothing but great service."

Commercial Customer

Additional Coverages for New Jersey Businesses

While general liability and property insurance are essential for every business, Selective offers additional insurance coverages and enhancements in New Jersey to help address your specific risks and needs, including:

Workers Compensation can help pay for medical treatment, lost wages, rehabilitation, and disability benefits if an employee has a work-related injury or illness. It can also help protect you as a business owner by helping pay for legal costs if an injured worker sues your business.
Commercial Flood Insurance in New Jersey helps protect your physical buildings or structures from flood-related losses, including damage to the foundation, walls, HVAC, wiring, and more. It also covers the contents, including furniture, equipment, inventory, and more.
Product Recall Coverage can help your business navigate product recalls, minimize financial losses, and pay for covered expenses such as hiring temporary employees or product disposal.
Management Liability Insurance is a suite of coverages that can help protect your business from financial losses not typically covered under standard commercial general liability policies. MLI coverages include Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability (FLI).
Commercial Auto Insurance can help protect your company vehicles and drivers on and off the road. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is at fault.

Cyber Liability Insurance for New Jersey Businesses

Cyberattacks can take many forms. Whether you’ve heard of them as ransomware, cyber extortion, social engineering, data breach, or security breach, cybercrime is a growing threat that all businesses must prepare for.

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Cyber Liability Insurance for New Jersey Businesses

Get Broad and Convenient Coverage in New Jersey from a Business Owners Policy

A Business Owners Policy (BOP) bundles property, liability, and business income insurance into a single, budget-friendly package. This convenient insurance solution from Selective offers broad coverage that can help protect your business against losses related to property damage, lawsuits, or other incidents.

Your independent New Jersey insurance agent can help you decide if a Business Owners Policy meets your needs.

FIND AN INDEPENDENT INSURANCE AGENT IN NEW JERSEY

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FREQUENTLY ASKED QUESTIONS ABOUT NEW JERSEY BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in New Jersey?

Commercial insurance costs in NJ vary from business to business. Factors that can affect your cost include (but are not limited to), location, payroll, number of employees, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy that provides adequate protection for your needs.

Is Workers Compensation Insurance Mandatory for Employers in New Jersey?

NJ businesses must carry worker’s compensation insurance if they employ one or more full-time, part-time, seasonal, or occasional workers. Without workers' compensation insurance, you could be held liable for all benefits provided under New Jersey law if an employee is injured or becomes ill on your premises. A worker’s compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.