Commercial Insurance

You work hard to maintain a successful business, and you want to ensure your business and employees are safe. Commercial insurance is also referred to as business liability insurance. As a business owner in Cranford, NJ, you have a variety of commercial insurance options.

What Commercial Insurance Coverage Options Are Available in New Jersey?

Commercial insurance options in New Jersey include:

• Bodily injury
• Property damage
• Personal injury
• Advertising injury
• Legal defense and judgments

Bodily Injury - this insurance coverage protects your business if a person sustains physical damage while on your property. This type of insurance also protects your business if you or an employee injures an individual while at their home or place of business.

Property Damage - property damage coverage becomes effective if you or an employee damages someone's property.

Personal Injury - this type of insurance coverage comes into effect if your reputation is damaged due to slander, invasion of property, false arrest, copyright infringement, and similar instances.

Advertising Injury - this injury insurance coverage handles losses associated with your advertising efforts.

Legal Defense and Judgements - this insurance protection handles the legal costs against judgments and frivolous suits. This type of insurance will cover these legal fees up to your insurance limits.

In New Jersey, commercial liability insurance is not required, but we at O'Donnell Agency LLC, recommend having an active commercial insurance policy to help you avoid mishaps. At O'Donnell Agency LLC, we're here to give you peace of mind. We offer commercial insurance to Cranford, NJ, and surrounding areas. Contact us now to get your personalized commercial insurance quote.