NJ Small Business Health Insurance Quotes

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If you own your own New Jersey business or are a partner in one, you're probably already familiar with risk. Few things in life are riskier than starting and running your own business. Part of the risk of any small business is the loss of critical tools and property or liability to others. Either of which can cause loss of income or even force you to close your doors. A  Large New Jersey companies employ full-time risk managers to keep their risk-taking to a minimum. But chances are that as a smaller NJ business operator, you are your company's risk manager, along with its personnel director, office manager, and possibly the entire staff all rolled into one. While juggling all the jobs that need to get done to make your New Jersey business a smooth running and profitable operation, you may already be asking yourself, "Who has enough time to think about insurance?" You do! Keeping risks and losses to a minimum is an important part of business success in NJ, especially for smaller, newer businesses. Take a few minutes now to check your risk factors, find out your insurance needs and learn the many options available to you. And remember choosing the right agent is as important as choosing the right insurance.

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Commercial property insurance helps businesses pay to repair or replace buildings, associated structures, and contents damaged by fire, storms, theft, and other events outlined in the policy. This web site provides general information about the kinds of commercial property coverage that are or may be. It can help you evaluate different commercial property policies, understand how rates are determined, and ask the right questions when shopping for insurance. You should review your policy carefully to understand your specific coverage.
No business can afford to be unprepared for a lawsuit. New Jersey Liability insurance protects your business assets when the business is sued for something the business did (or failed to do) that contributed to injury or property damage to someone else. Liability coverage extends not only to paying damages but also to the attorneys' fees and other costs involved in defending against the lawsuit - whether valid or not. The standard business owners policy provides liability coverage, as does a separate policy known as a commercial general liability (CGL) insurance policy. Generally, commercial liability insurance, whether purchased in a separate policy or as part of a standard business owners policy, will cover bodily injury, property damage, personal injury or advertising injury. The medical expenses of a person or persons (other than employees) injured at the business or as a direct result of the operations of the business are also covered. Usually excluded from both types of liability insurance policies are suits by customers against a business for nonperformance of a contract and by employees charging wrongful termination or racial or gender discrimination or harassment. Check with your NJ Insurance Agent about the best liability protection covering all types of situations that may arise in your business.

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NJCAIP Commercial Insurance Help

What is NJ CAIP?
NJCAIP is the state of New Jersey mechanism for Commercially Registered Vehicles that are not insurable immediately in the NJ Voluntary or NJ Preferred Insurance Markets. Established January 1, 1984 under N.J.S.A. 17:29D-1 and implemented by N.J.A.C. 11:3-1.2, to provide coverage for a commercial automobile risk unable to obtain coverage in the voluntary market.

Rates, rules and forms are subject to prior approval by the NJ Insurance Commissioner before being implemented.

All commercial motor vehicles registered or principally garaged in New Jersey are mandated by law to maintain automobile liability insurance, N.J.S.A. 39:6B et seq. Commercial auto coverage may be obtained on a voluntary basis or through a licensed NJCAIP Certified producer.

Commercial automobile voluntary submissions are subject to the Deregulation Act of 1982, N.J.S.A. 17:29AA-1 et seq.
Rate/rule submissions are subject to N.J.S.A. 17:29AA-5 and N.J.A.C. 11:13-8.1, Use and File within 30 days. Form submissions are subject to N.J.S.A. 17:29AA-6, File and Use 30 days prior to use.
 

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NJ Private Passenger Commercial Vehicles

"Private passenger automobile" in New Jersey means a vehicle that meets the definition in N.J.S.A. 39:6A-2a, that is not eligible for coverage through any voluntary or residual market mechanism created by statute, and is owned by an individual or husband and wife; or owned jointly by two or more relatives other than husband and wife; or owned jointly by two or more resident individuals; or owned by a corporation, partnership [ and ] or unincorporated association, governmental agency, or registered to a professional designation (that is, T/A, PA or P.C.) where such automobiles are furnished to individuals and are not used for business purposes. "Private passenger type automobile" means a vehicle that meets the definition in N.J.S.A. 39:6A-2a and is owned by a corporation, partnership or any other entity except an individual or husband and wife and used for business purposes . Insurance Zip Code Search

NJ Commercial Insurance General Topics

NJ Commercial Property and Casualty
NJ Property Fiduciary Liability
NJ General Liability Kidnap and Ransom
NJ Workers Compensation Loss of Income
NJ Builders Risk
NJ Directors and Officers Liability Computer Equipment
NJ Umbrella Crime
NJ Professional Liability Inland Marine
NJ Employment Practices Liability
NJ Errors and Omissions Contractors Equipment
NJ Intellectual Property Surety Bonds


NJ Group NJ Employee Benefits
NJ Group Health Disability, NJ  Long-Term and Short-Term
NJ Group Dental Health Savings Accounts
NJ Group Vision Medical Savings Accounts
NJ Life 401(k) Plans
NJ Long-Term Care