You can’t do business in New Jersey without business insurance. Like it or not, that’s just a fact of life in the Garden State. Thankfully, it’s not complicated to get good business insurance, provided you have expert agents on your side. And you’re in the right place for that. The team here at JF Murray will work to identify the unique needs of your business with a thorough risk analysis that is designed specifically for you and your business.
Customized For You
We take it further, too. We will survey the country’s top carriers for you to get the best rates on your behalf. When you get recommendations from JF Murray, they are geared towards your business and no other. That kind of customization is essential to delivering you the best coverage at the best price.
You’ll have support, too. Our professionals can explain your coverage options from start to finish, in detail, and ensure you get the most while spending the least. Our goal is to ensure your business and personal assets are protected against loss and liability.
Do I Need Business Insurance?
You may ask yourself if you even need business insurance. The answer is a resounding YES.
Any businesses can be sued, from large entities to small home-based businesses. That’s why business insurance exists. To protect you if a lawsuit arises. You can’t plan for every contingency, but you can protect yourself in case the unexpected happens.
Before giving in to the temptation to save a few dollars by skipping insurance, remember this: Without business insurance, one major loss could put your business under. All those years of hard work, and all that time and money invested, could be gone in an instant.
What Kind of Business Insurance Do I Need?
There are a number of types of insurance for businesses, among them workers compensation, unemployment and disability insurance, and a host of other specialized policies. It’s important to know the ins and outs of each. Because insurance requirements are regulated on the state level, the amount and type of coverage you need will vary based on the state in which your business is conducted.
Another factor in figuring out what type of insurance you need and how much coverage you require is the dollar value of your personal assets. After all, the goal of business insurance is to protect those assets. The nature and value of the assets you want to protect are key.
Explore our page further to review the varied types of business insurance and the industry specific exposures you may need to protect yourself from. To learn more about business insurance in New Jersey, contact one of our JF Murray insurance professionals today.